vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding LLC is reporting multiple duplicate and inaccurate collection accounts on my credit report, which I have no knowledge of. The same debts appear more than once with slightly different account numbers and open dates. These accounts are being reported as follows : LVNV Funding LLC account # XXXX with a high balance of {$1300.00} opened on XX/XX/year>, LVNV Funding account # XXXXXXXX XXXX with a high balance of {$1300.00} opened on XX/XX/year>, LVNV Funding LLC account # XXXXXXXX XXXX with a balance of {$490.00} opened on XX/XX/year>, and XXXX Funding account # XXXXXXXX XXXX with a balance of {$490.00} opened on XX/XX/year>. 

I previously filed a CFPB complaint, and in response, XXXX XXXX XXXX sent a letter dated XX/XX/year>, on behalf of LVNV Funding LLC. Their response included copies of billing statements from XXXX XXXX XXXX XXXX, but those statements do not verify that this debt belongs to me. There is no signed agreement, application, or any valid documentation proving ownership of this account. Reporting the same alleged debt multiple times is inaccurate and misleading. 

Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, furnishers must ensure that all information they report is accurate, complete, and verifiable. LVNV Funding LLC has failed to meet this requirement. I am requesting the CFPB to take action and have all LVNV Funding LLC collection accounts deleted from my credit report since they are duplicate, unverifiable, and not associated with me.

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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or discharged. Such actions violate the automatic stay and discharge injunction under bankruptcy law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to file a formal complaint against several furnishers and credit reporting agencies for reporting inaccurate information and allowing unauthorized inquiries to appear on my credit report. These errors are damaging my credit standing and must be addressed immediately in accordance with the Fair Credit Reporting Act ( FCRA ). 

1. Inaccurate Late Payment Reporting The following accounts are being reported with late payments that are completely false and unsubstantiated : XXXX XXXX XXXX XXXX High Balance : {$240.00} | Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$520.00} | Date Opened : XX/XX/XXXXXXXX  I have never made a late payment on these accounts. The reported late payments are inaccurate, misleading, and a violation of FCRA 602 ( A ) and 607 ( B ), which require the maintenance of maximum possible accuracy in consumer reports. I demand an immediate investigation and correction of these entries to reflect an accurate payment history. 

2. Unauthorized Credit Inquiries The following companies have made unauthorized credit inquiries on or around XX/XX/XXXX, for which I did not grant any permission or application for credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA 604, a consumer reporting agency may furnish a report only with the consumers written consent or for a legitimate business need initiated by the consumer. These inquiries were made without my authorization, and their presence on my credit file constitutes a serious violation of my rights. 

Requested Resolution I respectfully request that the CFPB investigate these furnishers and reporting agencies and ensure : All inaccurate late payment notations for the accounts listed above are removed or corrected immediately.

All unauthorized inquiries are deleted from my credit report. 

Documentation verifying the actions taken is provided to me in writing. 

I have attached a copy of my credit report highlighting the disputed entries for your review. 

Thank you for your prompt attention to this matter. I expect a full investigation and a written response confirming the resolution of these violations in 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 non-monetary relief
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: CL Holdings LLC
State: FL

Complaint narrative:
I am so stressed out and my life is in shambles. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I asked them for a copy of the assignment, purchase agreement or contract that authorizes them to collect on this account. Once I requested validation they responded with just one page statement which doesn't verify the debt and then added a new account to my credit report violating my rights I now have 2 accounts on my credit report for the same debt and this is hurting me. Please help me resolve this issue im so stressed out over this.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing the following information on my Equifax credit report. Please investigate the accuracy of these entries : Charged Off : ( No items listed ) Inquiries : XXXX, Date : XX/XX/year>XXXX  Positive Accounts : ( No items listed ) Late Payments : XXXXXXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX, Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
US bank closed my saving account because of a hacker stealing my funds from the checking account. They closed my account and sent a cashier check and letter to the hacker in Georgia. Even though they know that I live right down the street in XXXX XXXX, CA. Its been close to a year and they keep saying they are investigating. I've been to the bank 3 or 4 times. Called them 2 or 3 times. And emailed them as well. The response I get is to wait 60 days. Its been well over 60 days. Can you please help me. The account info is : XXXXXXXX XXXX XXXX NUMBER ending in XXXX  I can't find the full account number. I have a receipt with that number

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: First Technology Federal Credit Union
State: OR

Complaint narrative:
This complaint concerns a continuing RESPA ( Regulation X ) servicing violation that was closed prematurely. 

I previously submitted CFPB Complaint # XXXX ( filed XX/XX/XXXX  ), regarding First Tech Federal Credit Unions failure to acknowledge my written Notice of Error / Request for Information dated XX/XX/, received by the servicer on XX/XX/. 

Instead of providing the required written acknowledgment within five business days under 12 C.F.R. 1024.36 ( c ), First Tech merged this new violation into a prior closed complaint and marked it duplicate, without ever issuing an acknowledgment or a substantive response. 

This administrative merge does not satisfy their independent obligations under RESPA and Regulation X. The violation is ongoing. 

I am attaching my certified-mail receipts, my original XXXXE, and the CFPB closure notice showing the company marked this complaint as closed/duplicate.

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: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ

Complaint narrative:
I was scammed by XXXX XXXX XXXX in a loan Modification Scam and the reduced monthly payments of approximately XXXX XXXXXXXX.that I sent to XXXX XXXX XXXX were kept by XXXX XXXX XXXXXXXX and not sent to my Mortgage company XXXX XXXX for my new payments to XXXX XXXX. That was the agreement I had with XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX were to then send the reduced monthly payments to XXXX XXXX. The approximate loss was XXXX XXXXXXXX. Then a trust from XXXX AZ followed with and they were also a scam & they only used their first & middle names, no last names & changed my legal last name & took over my title of my home. I called XXXX XXXX for an XXXX  forbearance & they won't extend the XXXX  forbearance. I need help to get XXXX XXXX to cooperate with me. I need the XXXX  forbearance to be extended until I get a job.I want

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 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: NY

Complaint narrative:
I am disputing the following items on my credit report, as they are inaccurate or incomplete. Please investigate these accounts and provide me with the results of your investigation. I request that the necessary corrections be made, and that any inaccurate or outdated information be removed from my credit report. 

Charged Off Accounts : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} Inquiries : None Positive Accounts : None Late Payments : XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX Account Number : 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: 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: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: CA

Complaint narrative:
Dear Sir/Madam, I am submitting a dispute regarding inaccurate reporting on my credit file. The following charged-off accounts are inaccurately reported and require immediate investigation : Charged-Off Accounts : 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 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 2025-11-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Kindly remove this inquiry from my credit report as I did not initiate it and have no relationship with the associated creditors. I request its immediate removal to ensure the accuracy of my credit 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 2025-11-12 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: FL

Complaint narrative:
Kindly remove this inquiry from my credit report as I did not initiate it and have no relationship with the associated creditors. I request its immediate removal to ensure the accuracy of my credit 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 2025-11-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/year>, I had an appointment at Bank of America. Even though my documents were complete, the bank refused to process my transaction, claiming that something was missing. I made another appointment for XX/XX/year>. This time, an employee named XXXX XXXX acted as if she wanted to kick me out of the bank, saying she didn't want to work with me, and forced me to leave. She threatened to call the police on me. Later, the bank XXXX told me to re-submit the documents using various excuses. They again asked me to leave the bank.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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 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: GA

Complaint narrative:
Dear Sir/Madam, I am a consumer working to improve my credit, and I have noticed some discrepancies with my credit reports. I respectfully request your assistance in investigating and resolving the following disputed accounts. 

CHARGED OFF BANKRUPTCY, XXXX, XX/XX/year>, {$0.00} BANKRUPTCY, XXXX, XX/XX/year>, {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Essential Lending Inc
State: TX

Complaint narrative:
I borrowed XXXX but they overcharge me and said I did not paid off this loan which I DID and asked the to show me why I still owes them they refuse work thing out with e but want me to pay charge for lates fees and won't let me login in website to see why I still owes which I KNEW I paid in full for XXXX XXXX  then XXXX years later they said I still owes them XXXX because XXXX fees which I refuse agree with them because I loan only XXXX and paid off then they decide charge me for not pay on time and won't let me login my account to see and even request them to show me proof if I still owes they won't

Company response to consumer: Closed with explanation