vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
In XX/XX/year>, I discovered a collection account from LVNV Funding LLC for {$30000.00} on my credit report. I had never received any communication from LVNV Funding or Resurgent Capital about this alleged debt I only learned of its existence by pulling my credit report. I have never opened any account for this amount, do not owe this debt, and have never done business with any company of this nature. 

On XX/XX/year>, I mailed a formal debt validation request to LVNV Funding c/o Resurgent Capital Services L.P. via certified mail, requesting full validation under the FDCPA. XXXX tracking number XXXX confirms that the letter was delivered on XX/XX/year>. 

Despite this, I have received no response or documentation of any kind. LVNV has not validated the debt, has not acknowledged my dispute, and continues to report this account on my credit report. This is a violation of the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ) and the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 8 ) ).

Because the debt has not been validated and I am not legally responsible for it, I am requesting that this collection account be immediately deleted from all credit bureaus. The continued reporting of an unverified, disputed debt is inaccurate and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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 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 : UNAUTHORIZED INQUIRIES : XXXXXXXX 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  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 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/year>, unauthorized XXXX XXXX transactions totaling {$3300.00} were made after my phone was stolen. I submitted a fraud claim to Navy Federal around XX/XX/year>, once I obtained a new phone. 

Navy Federal did not respond to my initial claim until XX/XX/year>, when they mailed me a denial letter. I then submitted a timely appeal on XX/XX/year>, which was acknowledged on XX/XX/year>. After multiple follow-ups, Navy Federal finally responded on XX/XX/year>, stating my appeal was denied. 

In their responses, Navy Federal repeatedly stated that documents relied upon in their decision were attached, but no such documentation was ever provided. I again requested the documentation, but Navy Federal failed to provide any merchant records, authorization logs, device/IP information, or other specific evidence showing that I personally authorized these transactions. 

Instead, their denial rests only on a conclusory statement that I authorized and/or participated in the activity. This does not meet the requirements of the Electronic Funds Transfer Act ( Regulation E ), which obligates financial institutions to demonstrate consumer authorization before denying a fraud claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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 recently reviewed a copy of my credit report and noticed that i had fraudulent and wrong information on my report. Please remove these accounts and wrong information of late payments from my report, they are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: KY

Complaint narrative:
I am writing to formally notify you that I am a victim of the recent data breach, and I am requesting that all accounts related to my personal information be blocked and deleted in accordance with 15 USC 1681c-2 ( a ), as outlined under the Fair Credit Reporting Act.

Due to the breach, my personal data may have been exposed, and I am concerned about potential misuse of this information. Therefore, I respectfully request that you : 1. Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$730.00} Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$640.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$480.00} Account Name : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$530.00} Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$1000.00} Account Name : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : Incorrect Name - XXXX XXXX Incorrect DOB - XX/XX/year> Incorrect Address - XXXX XXXX XXXX, XXXX, IN, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, IN, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, IN, XXXX EMPLOYER - XXXX EMPLOYER - XXXX This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I CALL DEBT VALIDATION CLAIM ACCORDING TO 15 USC 1692 G I WANT THEM TO SEND ME A DETAILED LIST OF THE PAYMENT HISTORY ON THIS ACCOUNT NO.2 I WAN NA SEE THE ORIGINAL SIGNATURE THAT I AGREED TO ON THE CONTRACT FOR THIS CREDITOR NO. 3 HAS THERE BEEN ANY INSURANCE CLAIM FOUND ON THIS DEBT No. 4 REQUESTING THE CHAIN OF TITLE THT YOU HAVE TO COLLECT ON THIS DEBT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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:
Could you please help me investigate accounts that are misreported as late by these companies? Ive reviewed my credit report and noticed these accounts inaccurately display late payment remarks. Those should be removed, and the accounts should be updated to the positive status we agreed upon. One account is also listed as delinquent unjustly ; Id like this to be disputed and corrected to show no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Somebody sent money from my Cashapp to another persons account and I havent been able to receive my money back I have requested it back and they havent sent it back somebody sent them XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Ahead of making a purchase using my Capital One card, I called and spoke with a rep to ensure I understood the term and conditions and that my transaction would qualify for their offer. I took advantage of the Capital One 10 % cashback reward offer ( with no amount limit ) on a {$990.00} transaction on XX/XX/year>. I called Capital One after the transaction posted for an update on the status of the reward and was told to wait 30 days for system to process the cashback reward. I did so and called back 30 days later but was told it would take 45 days. I called back after 45 days but was told 60 days is needed, then 90, etc. After 90 days I was told by one rep that it's still in process. The next time I called, the rep said I had to initiate a dispute with the merchant. I did that even though Capital One is the party responsible for paying out the reward ( I have had no issues with XXXX, XXXX XXXX, and others on offers like this ). Then I was asked to provide proof of the terms and associated information and did that but then received a letter stating it was too late for a dispute because it was longer than 60 days after the transaction date but Capital One reps are the ones that continually misled me and even now avoid taking responsibility. They are clearly trying to avoid paying out the credit. I am providing the screenshot of the terms from the Capital One app the I captured to ensure I remembered to follow up should an issue like this arise. They have avoided all responsibilities pertaining to providing the {$99.00} credit. I am seeking help with forcing Capital One to pay out the missing {$99.00} credit. I kindly ask that the CFPB investigates not only this issue but the other consumers that have likely been misled by their UDAAP violations around their Capital One offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: CITIBANK, N.A.
State: OH

Complaint narrative:
CITI bank will not remove their account from my credit report after multiple attempts. I believe this account is a result of fraud. I would like this account to be removed from my credit reports from all three bureaus. This account is involved in litigation.

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 2025-09-04 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: OH

Complaint narrative:
b'The three main credit bureaus are reporting incorrect/inaccurate information, namely incomplete account information.'

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 2025-09-04 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:
Dear Equifax Information Services LLC, I am writing to formally dispute the accuracy of the XXXXXXXX XXXX  account listed on my credit file. The account information is being reported inaccurately and inconsistently across your bureau and the other national credit reporting agencies, in violation of the Fair Credit Reporting Act ( FCRA ). 

Account in Question : Creditor : XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Specific Inaccuracies Noted : High Balance : XXXX report {$2800.00} Equifax reports {$0.00} ( inaccurate and inconsistent ) Date of Last Activity : XXXX/Equifax : XXXX XXXX : XX/XX/XXXX ( conflict in reporting ) Date of Last Payment : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Creditor Type : XXXX : Bank Credit Cards Equifax : All Banks Late Payment History : The late payment notations ( XXXX and XXXX ) do not align consistently across all three credit bureaus. This makes the reporting unverifiable My Rights Under the FCRA Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or unverifiable information. You must complete a reinvestigation within 30 days ( or 45 days if I provide additional documents ).

Under FCRA 623 ( 15 U.S.C. 1681s-2 ), furnishers of information ( XXXX in this case ) are required to report accurate and consistent information to all credit bureaus. 

Because the information reported is inconsistent, inaccurate, and unverifiable, I am requesting that the late payment history be deleted and the tradeline corrected. 


Requested Action : Delete the inaccurate late payment history reported by XXXX. 

Please provide me with the results of your investigation in writing, along with an updated copy of my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN ( last 4 ) : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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:
I am filing this complaint regarding inaccurate and misleading information being reported by the three nationwide credit bureaus ( Equifax, Experian, and TransUnion ). This is now my third round of disputes on these same accounts, yet the bureaus continue to report them with serious errors, inconsistencies, and unverifiable data. Each disputed account contains contradictory balances, incomplete payment histories, and reporting dates that do not align with accurate reporting standards. Despite my repeated disputes and supporting documentation, the bureaus still mark these items as meets FCRA requirements without providing verifiable evidence. 

This ongoing pattern violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires the bureaus to ensure maximum possible accuracy and to conduct proper reinvestigations. Instead, the bureaus have failed to make the necessary corrections or deletions, and their reports do not even match across all three profiles. 

A fair resolution would be for the CFPB to require Equifax, Experian, and TransUnion to conduct a full and fair reinvestigation of each disputed account, provide documented verification directly from the furnishers, and immediately delete any account that can not be verified with complete and accurate evidence. I am also requesting written confirmation that my files have been updated to reflect only accurate and verifiable information, and that all three bureau profiles are made consistent with one another.

This is my third round of disputes, and the continued inaction is causing ongoing harm to my creditworthiness and financial opportunities. I expect prompt corrective action and full compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding inaccurate and misleading information being reported by the three nationwide credit bureaus ( Equifax, Experian, and TransUnion ). This is now my third round of disputes on these same accounts, yet the bureaus continue to report them with serious errors, inconsistencies, and unverifiable data. Each disputed account contains contradictory balances, incomplete payment histories, and reporting dates that do not align with accurate reporting standards. Despite my repeated disputes and supporting documentation, the bureaus still mark these items as meets FCRA requirements without providing verifiable evidence. 

This ongoing pattern violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires the bureaus to ensure maximum possible accuracy and to conduct proper reinvestigations. Instead, the bureaus have failed to make the necessary corrections or deletions, and their reports do not even match across all three profiles. 

A fair resolution would be for the CFPB to require Equifax, Experian, and TransUnion to conduct a full and fair reinvestigation of each disputed account, provide documented verification directly from the furnishers, and immediately delete any account that can not be verified with complete and accurate evidence. I am also requesting written confirmation that my files have been updated to reflect only accurate and verifiable information, and that all three bureau profiles are made consistent with one another.

This is my third round of disputes, and the continued inaction is causing ongoing harm to my creditworthiness and financial opportunities. I expect prompt corrective action and full compliance with federal 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 explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am disputing this alleged debt and requesting full validation. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to request that the debt collector provide complete documentation verifying the accuracy and legitimacy of this account. This includes, but is not limited to : The name and address of the original creditor ; The full account history showing how the balance was calculated ; A copy of the original signed agreement or contract ; Documentation that you are authorized to collect this debt. 

Until such validation is provided, this account should be reported as disputed under the XXXX XXXX guidelines to all consumer reporting agencies. Any attempt to collect without proper validation, or continued reporting of inaccurate or unverifiable information, may constitute a violation of the FDCPA, FCRA, and CFPB regulations.

I request that all communication be in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: KY

Complaint narrative:
I am writing to dispute the accuracy of information being reported on my TransUnion credit report. The account in question is : Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Reported Balance : {$45.00} Upon review of my credit report, I noticed that this account is being inaccurately reported.

Specifically : 1. A late payment is being reported even though I made my payments on time and in full.

2. The payment history is inconsistent and does not accurately reflect my payment record.

3. There appear to be discrepancies in the account balance and reporting dates which are not consistent with my records.

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