vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RAS LaVrar, LLC
State: FL

Complaint narrative:
b'I am filing this complaint regarding unlawful and unlicensed debt-collection activity conducted by RAS LaVrar, LLC, acting on behalf of XXXX XXXX regarding an alleged XXXX XXXX account ending in XXXX.XXXX has repeatedly assigned this same alleged account to multiple collectors, none of which have been able to provide legal validation.\nThe first collector, XXXX XXXX XXXX (XXXX), returned the account to XXXX  stating that they could not validate the debt. Months later, XXXX  reassigned the same disputed account to RAS LaVrar, LLC.\n\nUpon receiving RAS LaVrars letter dated XXXX XXXX XXXX, I identified several critical legal issues:\n\nRAS LaVrar explicitly claims that no collection license is required, even though the firm is engaged in debt-collection communications and sent a CFPB-compliant debt-collection notice, which is the standard format used by licensed collection agencies.\n\nA search of the Florida Office of Financial Regulation (OFR) Real System database shows no active Florida Consumer Collection Agency license under RAS LaVrar, LLC.\n\nFlorida Statutes 559.553(1) and 559.565 require ANY entityincluding attorneys or law firmsto maintain a consumer-collection license when engaging in business-level debt-collection activities, such as sending standardized collection notices, asserting a right to collect, or demanding payment.\nRAS LaVrars activities fall squarely under these definitions, meaning the firm is acting without the required license, which violates the FCCPA.\n\nRAS LaVrar has not provided any debt validation, despite stating in writing that validation would be mailed. No documentation has been received.\n\nTheir statements conflict with prior collectors (XXXX), and XXXX  continues assigning the same disputed account without resolving the underlying FCRA issues.\n\nRAS LaVrars conduct constitutes:\n FDCPA violations (15 U.S.C. 1692e, 1692f) for false representations and misleading communications.\n FCCPA violations (559.72(7),(9) F.S.) for asserting rights that do not exist and attempting to collect without legal authorization.\n FDUTPA violations for deceptive business practices.\n FCRA violations (15 U.S.C. 1681s-2, 1681i) attributable to XXXX  for continuing to assign the disputed account without ensuring accuracy or proper investigation.\n\nI also sent a Cease and Desist letter on XXXX XXXX XXXX, via Certified Mail Tracking No. XXXX XXXX XXXX XXXX XXXX XXXX. RAS LaVrar has not responded and has not validated the debt as required by federal law.\n\nRAS LaVrar LLC is engaging in unauthorized, misleading, and illegal debt-collection practices while falsely claiming an exemption from licensing. Their conduct has caused confusion, credit damage, and emotional distress.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/year>, I used XXXX to transfer {$1000.00} from another ( non-Chase ) bank account into my Chase bank account. I have used XXXX many times in the past and have never had any issues. Shortly after making the transfer, I received an email confirmation from Chase stating that I had received the {$1000.00} into my account, including a transaction/confirmation number. However, when I checked my Chase account online, the transaction did not appear at allnot as a posted transaction and not as a pending transaction. I waited an additional day in case of a delay, but the funds were still missing and there was no record of the transaction in my online banking history. I then called Chase customer service. The representative told me that, although their system shows the email verification ( stating I indeed RECEIVED XXXX on my account on XX/XX/XXXX ) and the transaction details, they can not locate the money in my account and do not see any incoming funds. They did not apologize or take responsibility and instead told me that I should dispute the transaction ( I made myself ) with my other bank, and re-initiate the transaction when ( and if ) my funds go back to my original bank. I then contacted the sending bank, which confirmed that the {$1000.00} left my account and has been with Chase since XX/XX/XXXX. They explained that a dispute/investigation process could take some time ( weeks ) and that the outcome is uncertain, even though they can see that the funds were successfully delivered to Chase. I called Chase again and spoke with a claims department supervisor named XXXX. She again acknowledged that Chase can see the email verification and the transaction information in their system, but still claimed they can not locate my money and can not see it in my account. She repeated that there was nothing they can do and again directed me to pursue the matter with my other bank. She was dismissive, did not apologize at any point, and made me feel as if I was at fault despite having clear proof that Chase confirmed receipt of the funds although according to them they have never received the money!

As of today, my {$1000.00} is missing, Chase has confirmed receipt by email but refuses to acknowledge or credit it to my account, and both banks are pointing at each other instead of resolving the issue. I am extremely concerned that Chase can confirm receipt of money via email, admit they see that confirmation internally, and yet claim they can not locate or credit the fundswithout opening a serious investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Trying buy a house this on my credit report according to to the 15 report U.S.C 1681 there should be no damages on my report this is a defamation of my character the FCRA to have a original creditors of documentation on file to verify that this information is mine and is correct. It has been over 30 days and by law this should be deleted off my all three of my credit reports.

I am herby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

Again let me repeat, you have not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1of the C ) A ) ( a consumer contract with my signature on it. As, you know, under Section 611 ( 5 ) ( A ) you are required to " ... promptly DELETE all information which can not be verified or sold to a third party.

The law is very clear as to the civil liability and the remedy available to me " negligent noncompliance " ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA.

Demand the following account to be deleted immediately Account Account Resolution XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was shocked to discover that my credit report has been improperly accessed, with multiple applications made in my name. These companies pulled my credit report without my consent or authorization. I do not recognize these fraudulent inquiries, nor have I ever applied to them. This situation is deeply concerning and a clear violation of my consumer rights. Its extremely insulting and distressing as a law-abiding citizen to experience this kind of identity misuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

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 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Their response states that they are collecting for XXXX XXXX and that the original creditor believes the balance is owed. That does not meet the requirements for proper validation under the Fair Credit Reporting Act or the Fair Debt Collection Practices Act. National Credit Systems did not provide any documentation showing that I agreed for them to have access to my personal information. They did not provide a contract with my signature and they did not provide proof of assignment showing they are the lawful party who is permitted to collect or report anything about me.

The only documents they attached are basic closing statements from XXXX XXXX  showing itemized charges from my move out in XXXX of XXXX  for utilities and fees totaling XXXX XXXX. These charges reflect the apartments internal accounting, not proof of a legal relationship between me and National Credit Systems. A closing statement from the apartment does not establish that XXXX has my consent to collect, store, use, or furnish my personal information to any third party. 

Their response tries to shift responsibility by stating that XXXX provided documentation. That is not the question. The issue is that National Credit Systems continues to report information about me without showing that they are authorized to do so. Under 15 USC 1692g they are required to provide verification that demonstrates they are the right company and that I am legally required to deal with them. Under 15 USC 1681e b they must follow procedures that ensure maximum accuracy when reporting. Under 15 USC 1681i they must complete a full reinvestigation when I dispute. Simply repeating the balance and saying the apartment believes the debt is owed is not proof.

I also want to state again that during the time these charges occurred I had lost my job and experienced financial hardship. This is why I fell behind. My hardship does not create automatic permission for a third party to use my information. They must show legal authority to collect. They did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-13 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: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
The Carter credit card was closed without my authorization and it is reporting inaccurately on my credit report. The account should be open and active but it is showing as closed which is incorrect. This inaccurate reporting is affecting my credit profile and does not reflect the true status of the account. I attempted to resolve this through the credit bureaus and the creditor but the information has not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-13 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: MI

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
I called and stated I never had an account with LVNV Funding LLC ( AKA XXXX XXXX  ) supposedly opened in XX/XX/2018 which supposedly is now being serviced Resurgent Capital Services. I noticed LVNV Funding on my credit and disputed it last month. I spoke to Resurgent Capital Services and they attempted to extort money from me and said they would not remove anything from credit until I paid what they demanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: NC

Complaint narrative:
I have had a loan with Lendmark since XX/XX/XXXX for {$5000.00}. Since then, I have been making payments of {$280.00}. Early in the repayment process, I realized that the due date of the XXXX of every month didn't work with my finances, because most of my income at that time went to rent. This caused me to put off making payments until the XXXX of every month because that's when I receive my second paycheck of the month. I called Lendmark to ask if I could have the due date changed several times and was told that they couldn't change the due date until I made a payment. Then when I called them after a payment was made, I was told that an email with a form to get the due date changed would be emailed to me. I never received this email. I cycle multiple times with them. 

In the mean time, because my payments have been late, a late fee has been added on almost every month that I've had the loan. The problem with that, is in their app, when you go to make a payment, the amount shown for withdrawal is the regular payment of {$280.00}. So I've made payments 16 times, but because of the fees, I haven't made any progress on the principle being paid off.

To date, I have paid {$4600.00} toward the loan, and my remaining balance has remained at {$7800.00} since XX/XX/XXXX. This also includes three insurance add-ons for unemployment protection, disability protection, and life insurance.

I recently had some unexpected expenses that have caused me to become past due on the loan, and as a result, Lendmark has been harassing my mother for the past week.

This was a loan I planned on paying off early, but challenges have arisen that prevented me from doing so, but after over {$4600.00} of payments I feel it's ridiculous to have made no progress on the loan for over a year and a half due to their fees, that I did my due diligence to avoid by requesting a change of due date multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: GA

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


XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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:
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 XXXX XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX - Balance : {$800000.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$230000.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX * - Balance : {$820.00} - 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 2025-11-12 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: NC

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-11-13 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief