vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: FL

Complaint narrative:
LVNV Funding LLC is reporting a collection account originally opened on XX/XX/XXXX, with an open balance of {$830.00}. I previously disputed this account with all three credit bureaus and requested the original signed purchase agreement from the original creditor. I do not accept a bill of sale, internal notes, or confirmation from the creditor. 

XXXX  has already deleted this account as of XX/XX/XXXX, because LVNV could not provide the original signed purchase agreement. Despite this, XXXX  and XXXX  continue to report the account as verified without providing the original signed purchase agreement.

It is illegal under FDCPA 1692g and FCRA 1681i for LVNV or the credit bureaus to report this account as verified without proper documentation proving legal ownership. I am requesting that CFPB require LVNV Funding LLC and XXXX to either provide full validation with the original signed agreement or immediately delete the account from all credit reports and cease collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: CA

Complaint narrative:
I am formally disputing the following late payment notations on my open accounts. These remarks are inaccurate, misleading, and in direct violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and Metro 2 compliance standards. Reporting false derogatory notations on active accounts that are open and being paid as agreed is willful noncompliance. 

XXXX XXXX XXXX XXXXXXXX I am demanding immediate correction of this open account. The reported late payments are false, inconsistent across the bureaus, and violate Metro 2 and FCRA accuracy standards. I was never late, and your repeated failure to correct these errors after prior disputes shows willful noncompliance. You must permanently delete all negative late payment remarks and update this account to Pays as Agreed. Anything less is continued reporting of false information and a direct violation of my consumer rights. 

I have disputed these inaccuracies before, yet they remain. This is reckless disregard for consumer rights and demonstrates willful noncompliance. If these late notations are not permanently deleted and corrected within the statutory timeframe, I will escalate with formal complaints to the CFPB, FTC, and State Attorney General. 

I expect updated reports showing permanent deletion of all late remarks and accurate reporting within the time required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: CA

Complaint narrative:
I am formally disputing the following late payment notations on my open accounts. These remarks are inaccurate, misleading, and in direct violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and Metro 2 compliance standards. Reporting false derogatory notations on active accounts that are open and being paid as agreed is willful noncompliance. 

XXXX XXXX XXXX XXXXXXXX I am demanding immediate correction of this open account. The reported late payments are false, inconsistent across the bureaus, and violate Metro 2 and FCRA accuracy standards. I was never late, and your repeated failure to correct these errors after prior disputes shows willful noncompliance. You must permanently delete all negative late payment remarks and update this account to Pays as Agreed. Anything less is continued reporting of false information and a direct violation of my consumer rights. 

I have disputed these inaccuracies before, yet they remain. This is reckless disregard for consumer rights and demonstrates willful noncompliance. If these late notations are not permanently deleted and corrected within the statutory timeframe, I will escalate with formal complaints to the CFPB, FTC, and State Attorney General. 

I expect updated reports showing permanent deletion of all late remarks and accurate reporting within the time required by law.

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 2025-10-02 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: IL

Complaint narrative:
XXXX balance opened XX/XX/year> and closed XXXX was opened without my knowledge by someone close to me like my kids mom or someone that was privy to my information XXXX XXXX  keeps verifying this it needs to be removed 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 2025-10-02 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: CT

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, wch exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX - Balance {$800.00} -Date Opened XX/XX/XXXX XXXX # XXXX - Balance {$230.00} -Date Opened XX/XX/XXXX XXXX  # XXXX -Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Balance {$14000.00} -Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Balance {$1100.00} -Date Opened XX/XX/XXXX XXXX XXXX  # XXXX - Balance {$690.00} -Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Despite multiple disputes, Bank of America has failed to provide securitization details and the chain of title, repeatedly sending the same template responses without resolving the issue. If they can not provide these records, I request the removal of this account from my XXXX  and XXXX  credit reports.

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 2025-10-02 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: CT

Complaint narrative:
I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX - Balance {$800.00} -Date Opened XX/XX/XXXX XXXX  # XXXX - Balance {$230.00} -Date Opened XX/XX/XXXX XXXX  # XXXX -Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Balance {$14000.00} -Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Balance {$1100.00} -Date Opened XX/XX/XXXX XXXX XXXX  # XXXX - Balance {$690.00} -Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
My name is XXXX XXXX, and I am filing this complaint regarding XXXX XXXX XXXX and Credence Resource Managements mishandling of my account. 
In XX/XX/year>, I paid off all device installments in order to transfer service. XXXX XXXX XXXX then issued a bill showing {$0.00} balance ( Exhibit A ), and the lines were transferred. I reasonably believed my account was satisfied. 
After closure, XXXX XXXX XXXX generated another final bill of {$180.00} ( Exhibit B ). This balance was never properly explained and should not have been sent to collections. To resolve the matter in good faith, I have paid the balance in full ( receipt attached ). 
Despite payment, the account remains reported as a collection on my credit file. This is misleading and inaccurate, since the debt itself arose from XXXX XXXX XXXX error in handling my closure. The only fair resolution is to have this tradeline deleted entirely, not simply updated as paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I sent certified debt validation letters to the original creditors disputing these accounts in XX/XX/year>. I have active disputes with the credit bureaus regarding these debts. 

XXXX XXXX contacted me on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> & XX/XX/year> via email with settlement offers and payment demands before providing any validation documentation.

Under the FDCPA, collectors must validate debts before collection attempts.

They contacted me to collect without first providing : - Original signed agreements- Itemized account statements - Proof of authorization to collect - Chain of custody documentation This violates 15 USC 1692g. I am requesting an investigation, and that Collection activity ceases until proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
My credit report contains inaccurate personal information, which has resulted in multiple fraudulent and unauthorized accounts being reported under my name. I am a victim of identity theft, and my information was used without my knowledge or consent to open accounts I have never authorized or been associated with. Following XXXX  instructions, I filed and submitted an FTC Identity Theft Report. Despite this, these fraudulent items still remain on my credit report and continue to harm my financial standing.

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 2025-10-02 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX  # XXXX - Balance {$100.00} -Date Opened XX/XX/XXXX XXXX # XXXX - Balance {$140.00} -Date OpenedXXXX XXXXXXXX XXXX # XXXX -Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Balance {$270.00} -Date Opened XX/XX/XXXX XXXX  # XXXX - Balance $ XXXX-Date Opened XX/XX/XXXX XXXX XXXX  # XXXX - Balance {$710.00} -Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX -Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing a complaint regarding inaccurate rental debt information being reported on my credit file by XXXX ( and/or the credit bureaus ). The account in question relates to an apartment lease from XXXX  at the University XXXX XXXX. 

At the time, my roommates and I initially signed paperwork but were unable to move forward. The leasing office agreed to terminate the lease before move-in, and no deposit or rent was ever paid. Despite this, a collection account in the amount of approximately {$22000.00} has appeared on my credit report. 

The apartment complex/company no longer exists, and therefore I can not obtain any documentation from them. I have disputed this debt multiple times over the years directly with the credit bureaus, and most recently through XXXX as part of a rental application process. However, this inaccurate debt continues to appear on my report, causing me ongoing harm by preventing me from obtaining housing. 

This account is inaccurate and unverifiable, which violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to delete or correct information that can not be verified.

I would like for this inaccurate and unverifiable account from my Equifax credit report to be deleted and be provided with written confirmation of the removal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: SC

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: CA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
This account says it is collecting on behalf of PayPal. I called PayPal and they have no records of me owing this amount. My account is positive with them so they advised they did not sell this to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: FL

Complaint narrative:
See the attached documents. 

This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2025-10-02 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-10-02 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:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX XXXXXXXX - Account not mine XXXX XXXX XXXX XXXX Account not mine XXXX XXXX XXXX XXXXXXXX - Account not mine XXXX XXXX XXXX - Account not mine XXXX XXXX XXXX XXXX  - Account not mine XXXX XXXX XXXXXXXX - Account not mine XXXX XXXX XXXXXXXX - Account not mine

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance

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 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
It first started about one year ago when I return unopened a purchase I made online for dog beds from a XXXX for {$170.00}. I cancelled the order and they kept sending it to me after I brought it to the P.O. 5X paid for registered mail, etc. I finally refused the package at the post office and it was sent RETURN TO SENDER. I took photos at the post office. XXXX  paid {$170.00}. to the company for this package I returned without contacting me or discussing anything with me re : my money and a returned package. When I called them they said the company told them the never received the package!!!!!!! 

Recently i made payment arrangements with a credit card holder -- I never gave them XXXX  acct no. but had made payments with debit card. All of a sudden I get a message from credit card co. that XXXX  had paid them {$120.00} out of my account AGAIN WITHOUT CONTACTING ME, WITHOUT MY KNOWLEDGE. 

This is not to mention may discrepancies in account amount. I do not trust them, I fear their illegal activities. I am XXXX XXXX XXXX XXXXXXXX woman who lives solely on social security -- they have NO RIGHT TO BE GIVING MY MONEY AWAY WITHOUT CONSULTING WITH ME.

Company response to consumer: Closed with explanation