vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Subject : Dispute of Judgment and Request for Validation XXXX XXXX XXXX Account Dear LVNV Funding LLC, I am contacting you regarding a judgment entered on XX/XX/year>, for an account originally associated with XXXXXXXX XXXX XXXX. This is a formal dispute and debt validation request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

I have made multiple attempts to contact your company regarding this account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, using phone numbers listed in your correspondence. Despite these good-faith efforts, I have not received a written validation or response. 

Additionally, it is my understanding that XXXX XXXXXXXX XXXX standard cardholder agreements contain a mandatory arbitration clause, which legally prevents this type of matter from proceeding through court without arbitration being offered. If LVNV Funding pursued a judgment without honoring that clause, this constitutes a violation of my consumer rights under the Federal Arbitration Act and potentially FDCPA 807 ( 2 ) ( A ) ( misrepresentation of legal authority ). 

Accordingly, I am requesting the following : Full validation of the debt, including itemized statements and proof of ownership or assignment from XXXX XXXX XXXX to LVNV Funding. 

A copy of the original XXXX XXXX XXXX agreement that applies to this account, including the arbitration clause. 

Evidence of proper notice of lawsuit and compliance with consumer protection procedures prior to obtaining judgment. 

Written confirmation that your office will review the validity of the judgment and arbitration applicability. 

Until you provide full and proper validation, I request that you cease all collection activity and reporting to credit bureaus on this account. 

Failure to respond will result in submission of all correspondence and evidence to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Virginia Attorney Generals Office for review of potential violations. 

Thank you for your prompt attention. I expect a written response within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: AL

Complaint narrative:
This correspondence serves as my fourth formal dispute regarding multiple accounts that continue to be reported inaccurately despite prior reinvestigations. I have made several good-faith attempts to resolve these discrepancies, yet the same unverifiable delinquencies remain on record. These continued inaccuracies are not consistent with my documented payment history and constitute ongoing violations under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 1 ) ( A ), which require accuracy, proper reinvestigation, and factual reporting. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$100.00}

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 non-monetary relief
Consumer complaint received 2025-10-20 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 am submitting to formally dispute certain inaccurate information currently appearing on my credit report. First, the addresses listed as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 are not associated with me. I have never resided at these locations nor have I conducted any business there. Accurate address information is vital to the proper reporting of my credit history, and these inaccuracies could lead to confusion or misidentification. Second, I dispute the late close status reported for the account XXXX XXXX XXXX with a balance of {$0.00}. I request that you verify this information with the original creditor. If this late close status can not be substantiated or is inaccurate, please update or remove this item from my credit report accordingly.

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 2025-10-20 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: AL

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency XXXX include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2025-10-20 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 previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. Several entries on my report reflect outdated, inaccurate, or unverifiable address information as well as accounts that were included in my bankruptcy but are still misrepresented. Specifically, I dispute the following 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 non-monetary relief
Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
I am submitting to formally dispute information on my credit report regarding two accounts that are currently reported as Late Open, which I believe is inaccurate and does not reflect my true payment history. I take my financial responsibilities very seriously and have consistently made efforts to maintain accurate and timely payments on all of my accounts. I regularly monitor my credit report to ensure that all information is correct because I understand the significant impact that credit reporting has on my financial health, including my ability to obtain credit, favorable interest rates, and overall financial opportunities. Despite my efforts, these accounts are being reported with negative status indicators that do not align with the payment records I have maintained. It is important to me that my credit report accurately reflects my history and responsible credit management. Therefore, I kindly request a thorough reinvestigation of the following accounts to ensure that all information reported is complete, accurate, and fairly represents my payment behavior. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00}

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 non-monetary relief
Consumer complaint received 2025-10-20 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 am sending to formally dispute inaccurate information that appears on my credit report. The following items do not accurately reflect my financial history, and I am requesting a full reinvestigation under the Fair Credit Reporting Act ( FCRA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$470.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$650.00} XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$650.00} XXXX Original Creditor XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$1700.00} XXXX XX/XX/year>

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 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Sezzle Inc.
State: AR

Complaint narrative:
Sezzle has had an issue with refunding funds after a merchant refunds the money. I believe they keep the money after the merchant refunds the items. Last year they did not issue a refund after a merchant had issued me a refund. 

They have done this twice in the last two weeks. However, this time, I have proof of the merchant refunding the money. XXXX refunded me about {$180.00} and sezzle registered the refunded as a XXXX. XXXX refunded me {$370.00} and sezzle has yet to issue a refund at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: STANDARD MORTGAGE CORPORATION
State: MS

Complaint narrative:
I have tried paying my mortgage note now 4 times this month. The payment keeps getting refused, and I've gotten no help on resolving the issue, and continue to be penalized for it. I know I have the money and proof there is no reason this should be continuing to be an issue.

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 2025-10-20 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: Debt Recovery Solutions, LLC
State: AL

Complaint narrative:
I am writing to formally dispute the collection account that your agency is reporting on my credit file and to demand immediate validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. I do not recognize this alleged debt, and more importantly, I have never provided consentexpress or impliedfor DRS Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NY XXXX. to report any information regarding me to any credit reporting agency. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681b ), a consumer reporting agency may only furnish a consumer report with the written consent of the consumer or under specific permissible purposes, none of which apply here without proper validation and agreement. You are hereby notified of the following : Validation Request Pursuant to 15 U.S. Code 1692g ( b ), I demand the full validation of the alleged debt, including : The name and address of the original creditor ; A copy of the alleged contract or agreement bearing my signature ; A detailed breakdown of the amount being claimed ; Proof of your authorization to collect this alleged debt. No Consent to Report I assert my rights under 15 U.S. Code 1681b ( c ) and 15 U.S. Code 1681e, which require that information reported to credit bureaus be accurate, verifiable, and reported only under legal and permissible circumstances. I have not granted DRS Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NY XXXX permission to report any information concerning me to any credit reporting agency, and doing so without such consent may constitute a violation of federal law. Cease and Desist Reporting Until and unless you fully validate the debt as required by law, you are required to cease all collection activity, including reporting or furnishing of information to any credit bureau ( 15 U.S. Code 1692g ( b ) & 1692c ( c ) ). If you are unable to validate this debt within the required time frame, you must immediately : Remove any negative entry from all credit bureaus to which you have reported ; Cease any and all collection attempts ; Provide written confirmation that the account has been removed and the matter closed. This letter serves as my formal notice that I reserve all rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Any failure to comply will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General 's office. Please respond to this request in writing within 30 days of receipt of this letter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TX

Complaint narrative:
After carefully reviewing my credit reports, I discovered that multiple companies are reporting inaccurate, duplicate, and unverifiable information that does not belong to me or has not been properly validated. Despite filing formal written disputes with all three credit bureaus, these items continue to appear without documentation or verification as required under the Fair Credit Reporting Act ( FCRA ). The companies involved include 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, and XXXX XXXX XXXX XXXX Each of these furnishers has failed to provide original documentation or proof that these accounts are valid, accurate, or authorized. 

In particular, XXXX XXXX XXXX is reporting a single account twice once under its own name and again through a third-party debt collection agency, which constitutes duplicate reporting and creates an unfairly negative impact on my credit profile. This conduct violates FCRA 1681e ( b ) ( failure to maintain maximum possible accuracy ), FCRA 1681i ( a ) ( failure to reinvestigate disputed information ), and FCRA 1681s-2 ( b ) ( furnishers duty to investigate disputed data ). These companies are continuing to report unverifiable, inaccurate, and outdated information despite notice, which also constitutes willful noncompliance under FCRA 1681n and 1681o.

I am requesting that the Consumer Financial Protection Bureau investigate these violations and require the immediate permanent removal of all unverifiable, duplicate, and inaccurate accounts and inquiries from my credit reports. I am also requesting that the credit bureaus provide written confirmation of deletion and ensure that all third parties who previously received my credit report are notified of these corrections as required under FCRA 1681i ( d ).

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 2025-10-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I got a loan of {$2000.00} for XXXX resorts to do a timeshare. By law I had 10 days to cancel. I cancelled received notice of the cancel and refund being processed dated XX/XX/2025. 
Affirm has not posted a refund. They are attempting to collect interest on the account in which they do not refund any interest paid. I have contacted XXXX who claims the accounts are closed and have been refunded. Yet when I contact affirm they claim they can not locate an account where the refund was submitted so we have to wait until they receive the refund. I processed a dispute and received a letter stating the refund will be returned by mail and can take 30 day. I still have not received the refund and they are threatening to report to my credit. When XXXX waiting on them to process the refund or send via mail. I had to return a tablet to XXXX XXXX and a refund of {$250.00} was processed to affirm within days. So why werent they able to find the account for the bulk {$1800.00} of the refund? Where is the refund money and why are they reporting late payments when XXXX waiting to receive the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an account that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: CO

Complaint narrative:
Request for Validation and Cease Collection Until Verified Dear Caine and Weiner I am writing in response to your claim about an alleged debt for Caine and Weiner which appears on my credit report. 
I do not acknowledge this debt and am requesting validation and verification under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Please provide : 1. The name and address of the original creditor.

2. The amount of the alleged debt and a breakdown of any fees, interest, or penalties.

3. A copy of any contract or agreement bearing my signature.

4. Documentation that you have the legal right to collect this debt ( proof of assignment or ownership ). 
5. The date of the alleged last payment or transaction.

Until you provide full validation, you must cease all collection activity, including reporting to credit bureaus or contacting me further. 

If you fail to provide proof and continue attempting to collect, this will be considered a violation of federal law, and I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. Several entries on my report reflect outdated, inaccurate, or unverifiable address information as well as accounts that were included in my bankruptcy but are still misrepresented. Specifically, I dispute the following 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 2025-10-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I dont have a contract with XXXX XXXX XXXX. Please remove immediately

Company response to consumer: Closed with explanation