vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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: TX

Complaint narrative:
I am filing this complaint against LVNV Funding, LLC for violating both the Texas Finance Code 392.202 and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) by continuing collection activity on a debt they failed to properly validate. 

On XX/XX/XXXX, LVNV Funding received my certified dispute letter requesting verification of the debt they are reporting to the credit bureaus under account number XXXXXXXX XXXX XXXX XXXX XXXX  To date, they have not responded to my request within the 30-day timeframe required by the Texas Finance Code, nor have they provided any proof that validation was ever sent.

Despite this, they have continued collection activity, including furnishing negative information to credit reporting agencies, which is a direct violation of both state and federal law.

It is important to note : I filed a related complaint with the XXXX XXXX XXXX XXXX XXXX XXXX  under Complaint ID XXXX. 

XXXX XXXX advised me to send a dispute by certified mail, which I had already done. 

Supporting documentation, including a copy of the dispute letter and USPS tracking, has been provided.

Legal Precedent : It is not sufficient for a debt collector to claim, based on internal records, that a response was sent. The court in Mahon v. Credit Bureau of Placer County , Inc., 171 F.3d 1197 ( 9th Cir. 1999 ) clearly held that affirmative proof of mailing is required to demonstrate compliance. LVNV Funding has not provided such proof. 

This pattern of behavior is not new. XXXX XXXX XXXX XXXX XXXX, for example, was sued by the CFPB in XXXX for collecting on debts without sufficient documentation or proper validation, resulting in a consent order and financial penalties. 

Conclusion : Because LVNV Funding failed to provide verification, failed to cease collection activity, and has offered no credible evidence of compliance, I have no choice but to assume that the account may be the result of identity theft, misidentification, or fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
People are using my name and phone number and information that I know they should not have. It is due to data breaches from the company I work for and other places.

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 2025-06-22 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-22 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: NY

Complaint narrative:
i recently review my credit report and i notice i have fraudulent account on my report. please removed these account 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 non-monetary relief
Consumer complaint received 2025-06-22 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX XXXX XXXX XXXX. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
In XXXX I did a balance transfer online for {$2600.00} to payoff another banking institution credit card. Later discovered there was a problem with the balance transfer. The account number was off by one digit when I inquired about the transfer. Was told that there was nothing they could do because it was transfered successfully on their end and I needed to contact the receiving credit card company to resolve and they will send me a copy of the transaction to send to them by mail and it will arrive in XXXX days. I did just that and waited for the information which never arrived. I contacted them back about the transaction and was told that it was never processed and the representative would need to put in a new request. I requested a XXXX who then told me she would put in an escalated request but it would take sime time to investigate. She also refunded the interest on the account. Received a letter dated XX/XX/XXXX that the transfer was done as requested however it still reflected the incorrect account number with case id XXXX. XX/XX/XXXX Reached back out to spoke with another XXXX to discover that nothing had been resolved and the case was closed. I requested a stop payment on the balance transfer because the account number was incorrect. The XXXX said that she would open a case with the " back office '' and someone would reach out to me about the status. XXXX deeply concerned about the interest I am being charged due to the inability of XXXX XXXX XXXX this matter timely. This was a mistake on the account number that the transfer should be requested back from the receiving institution or corrected and resubmitted. The receiving institution has said that they can not locate the payment and I am still being charged on their end well.

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 2025-06-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Because this XXXX XXXX XXXX and I no longer had possession or control of the asset, I should not be held financially responsible for any resulting balance after the theft. 

Despite the account being marked as " closed, '' it inaccurately reflects that I still owe a balance. I am requesting that this be thoroughly investigated and corrected to reflect the true nature of the situation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information and to request that unverifiable or incorrect data be removed from my credit file. Please review the attached documents and confirm in writing the outcome of your investigation. 

If this matter has been reported in error by the creditor, I also request that it be removed from my credit report or marked with a note that clearly indicates the account is disputed due to theft and is not my responsibility.

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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC
State: NC

Complaint narrative:
I applied for a car loan with BMW of XXXX and BMW Financial Services. I wanted to trade in my current vehicle ( that I purchased at the sister property, XXXX XXXX ). I was told that I would have to choose a newer vehicle with less miles in order to get the bank to finance both vehicle, so I did. The sales representative got me away from the dealership and then I received a call stating that the application was denied due to my credit score.

The letter was received and stated other items. I'm attaching the letter received from as well as the letter I sent to BMW. 

Based on the items that stated in the letter from BMW, I truly believe the deciding factor is the XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: CA

Complaint narrative:
Stated I violated terms of service and ref Explain how I dont believe that I did and if there was something that happened it was because my device was stolen from me in XXXX XXXX maybe something happened in the data leak, but I try to create a new account and it closes automatically every single time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: PA

Complaint narrative:
On XX/XX/2025 I file a dispute letter asking that all inaccuracies for the last activity date be made accurate. This company never updated the report in violation of rights in 15 USC 1666

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/year> I file a dispute letter asking that all inaccuracies for the last activity date be made accurate. This company never updated the report in violation of rights in 15 USC 1666

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 2025-06-22 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:
On XX/XX/year> I file a dispute letter asking that all inaccuracies for the last activity date be made accurate. This company never updated the report in violation of rights in 15 USC 1666

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 2025-06-22 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: MI

Complaint narrative:
I am a victim of identity theft and have submitted a formal dispute to Equifax, Experian, and TransUnion, including a notarized identity affidavit, police report ( # XXXX, filed with the XXXX Police Department ), and supporting documents. My credit report contains numerous fraudulent and unverified accounts and hard inquiries, including auto loans, credit cards, and student loans which I never applied for or authorized. 

Despite my full documentation and request to block this information under FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus have continued to report the following fraudulent accounts without providing original signed contracts or proper verification : XXXX XXXX {$23000.00} auto loan XXXXXXXX XXXX {$800.00} charged-off credit card XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1200.00} XXXXXXXX XXXX XXXX loan tradelines Multiple unauthorized credit inquiries ( XXXX XXXX XXXX XXXX XXXX  ) Inaccurate names and addresses that are not mine I requested deletion under FCRA 1681i and 1681s-2, yet no sufficient verification or resolution was provided. Several collectors may also be violating FDCPA 809 by reporting unverifiable debt.

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 2025-06-22 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: MI

Complaint narrative:
I am a victim of identity theft and have submitted a formal dispute to Equifax, Experian, and TransUnion, including a notarized identity affidavit, police report ( # XXXX, filed with the XXXX Police Department ), and supporting documents. My credit report contains numerous fraudulent and unverified accounts and hard inquiries, including auto loans, credit cards, and student loans which I never applied for or authorized. 

Despite my full documentation and request to block this information under FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus have continued to report the following fraudulent accounts without providing original signed contracts or proper verification : XXXX XXXX {$23000.00} auto loan XXXXXXXX XXXX {$800.00} charged-off credit card XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1200.00} XXXXXXXX XXXX XXXX loan tradelines Multiple unauthorized credit inquiries ( XXXX XXXX XXXX XXXX XXXX  ) Inaccurate names and addresses that are not mine I requested deletion under FCRA 1681i and 1681s-2, yet no sufficient verification or resolution was provided. Several collectors may also be violating FDCPA 809 by reporting unverifiable debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX XXXX XXXX XXXX. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against XXXX XXXX XXXX, a debt collector, for sending me inaccurate emails regarding a credit card account that I have already paid in full. I request your assistance in resolving this matter and ensuring that this company ceases its improper collection attempts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason for Dispute : This account is inaccurate and outdated. No current liability exists, and continued reporting of this tradeline is misleading and violates FCRA guidelines regarding accurate, timely data. 

Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Reason for Dispute : I dispute the accuracy of this account due to billing errors and unresolved discrepancies in reporting. I request a thorough reinvestigation and supporting documentation under 1681i of the FCRA. 

Hard Inquiries : 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capio Partners, LLC
State: FL

Complaint narrative:
According to the new law of medical bills being prohibited to put on consumers credit report, I noticed there were new ones put on my XXXX XXXX XXXX this month in XXXX. I feel that what ever company who put this on my credit report, violated federal law. 
They must remove ALL medical bills asap as per federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
CFPB Complaint Submission Report Complainant : Address : XXXX XXXX XXXX PL Email : XXXX Subject : Dispute of Inaccurate Late Payments Request for CFPB Intervention LAST 4 SSN : XXXX To Whom It May Concern, I am filing a formal complaint against : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CREDIT ACCEPTANCRE -for reporting inaccurate late payments on my credit report associated with my account ending in XXXX - XXXX Despite having submitted multiple disputes directly to both the credit bureaus ( XXXX, XXXX, XXXX  ) and the furnisher XXXX the late payments remain on my credit report without any legitimate validation or supporting documentation. The information being reported is inaccurate and unverifiable, and the continued reporting constitutes a violation of federal consumer protection laws.

Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) : Information furnishers are required to provide accurate and complete information. If a consumer disputes the accuracy of information, the furnisher must not continue reporting the disputed information without proper investigation and verification.

15 U.S.C. 1681i ( a ) : Credit bureaus are required to conduct a reasonable reinvestigation of disputes within 30 days and delete or modify any information that is found to be inaccurate, incomplete, or unverifiable.

I have yet to receive any documents that validate the accuracy of the reported late payments. No original contract or payment records have been provided to substantiate the claims, which makes the continued negative reporting both unjust and unlawful. I have exhausted my direct dispute rights under the FCRA and am now seeking the CFPBs assistance in holding the responsible parties accountable.

Additionally, I request that this matter be thoroughly investigated and that all unvalidated late payments be immediately removed from my credit file in accordance with federal law. Furnishers and credit bureaus must comply with proper XXXX ( XXXX XXXX XXXX ) dispute processes and can not continue reporting unverifiable derogatory marks.

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 2025-06-22 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: MI

Complaint narrative:
Please remove these unauthorized fraudulent inquiries see attached

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 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NH

Complaint narrative:
The company claims XXXX day early pay check deposits.yet have misrepresented them selfs and have never committed to the promise.i have been with chime since XXXX  and never get my paychecks XXXX days early.but others I work with and have chime get theirs earlier.this has been a ongoing problem for me with this online bank platform

Company response to consumer: Closed with explanation