vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
In XX/XX/year>, I disputed an alleged debt that LVNV Funding, LLC ( through Resurgent Capital Services and XXXX XXXX XXXX XXXX ) claims I owe. I requested proper validation under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I asked for : ( XXXX ) a copy of the original signed agreement, ( XXXX ) an itemized accounting of the balance, and ( XXXX ) proof of assignment/chain of ownership from XXXX XXXX ( XXXX XXXX Bank XXXX XXXX LVNV Funding. 

Instead of providing this, the company only sent me an internally generated account summary and an old billing statement. These do not meet the FDCPA standard of validation. Despite my repeated requests ( XXXX emails sent since XX/XX/year> ), they continued to attempt collection and reported the account to credit bureaus as if validated. 

This is a violation of : FDCPA 1692g ( b ) : continued collection without providing validation after dispute.

FCRA 1681s-2 ( b ) : furnishing unverified information to consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Good XXXX, In XX/XX/year>2025, while I was on my XXXX, Citibank closed my accounts without any prior notice or communication. 
This action caused significant hardship and embarrassment, as I was unable to access funds during that period. 
After the closure, Citibank has continued to report missed payments on these accounts to the credit bureaus. I strongly dispute these negative marks because : The accounts were closed by Citibank, not me. 
I received no notice or opportunity to resolve balances before closure. 
Any payments reported as missed after closure are inaccurate and misleading. 

Why This Is Unfair and Harmful XXXX actions have harmed my creditworthiness and caused XXXX XXXX during an important life event. 
Under the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ), financial institutions are required to report accurate information and to provide clear communication when adverse actions ( such as account closures ) are taken. 
Citibank failed to provide notice, failed to give me an opportunity to cure any alleged delinquency, and is now engaging in harmful reporting practices.

Requested Resolution I respectfully request that your offices : 1. Investigate Citibanks conduct in abruptly closing my accounts without notice.

2. Require Citibank to correct or remove any inaccurate or misleading information they have furnished to credit reporting agencies.

3. Ensure that Citibank provides appropriate documentation for any claimed debt.

4. Consider regulatory action against Citibank for failure to properly notify me and for inaccurate credit 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 2025-08-29 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15. U. S. C. 
XXXX ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$25000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX - Account Number : XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} XXXX - Account Number : XXXXXXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX - Account Number : XXXXXXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
I am formally disputing a late payment reported on my account. Verified payment records confirm that all payments were made on time, rendering this entry inaccurate. The presence of this error is misleading and harmful to my creditworthiness.

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 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Before paying off my account with [ Bank of America / XXXX ], I spoke directly with a representative who assured me that once the balance was paid in full, the account would be removed from my credit report. I relied on this statement and paid the account in full. 

After payment, the account was not removed. I contacted the company again and requested that they review their notes or call recordings to verify what I was told. Despite this, the company responded that no changes would be made to my credit file. 

This is misleading and unfair. I only paid under the condition that the account would be deleted, and I fulfilled my obligation. The company has not honored its agreement and continues to allow negative reporting to remain on my credit file. 

I am requesting that the CFPB require Bank of America to honor the agreement I was given and have this account immediately removed from all consumer reporting agencies ( 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 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing inaccurate and unverifiable reporting of a credit union account on my TransUnion credit file. I am specifically requesting the Method of Verification pursuant to FCRA 611 ( a ) ( 7 ). 

Account in Dispute : XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX  ) Reasons for Dispute : 1. TransUnion is reporting conflicting amounts on this account. It is marked as Charged off / Profit and Loss write-off, yet it also shows a balance owed of {$14000.00} and a past due amount of {$9000.00}.

2. A charge-off means the creditor has written off the debt as a loss. Continuing to report a balance due after a profit/loss write-off is contradictory and misleading.

3. These figures appear to reflect amounts set by a collector, not the original furnisher. TransUnion can not legally insert or accept unverified balances from third parties without proper documentation.

4. TransUnion last verified this account on XX/XX/year> but has provided no evidence of the furnishers involvement or explanation of how the amounts were confirmed.

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 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: SC

Complaint narrative:
Worlds finance credit Amount XXXX Opened : XX/XX/2020 Contacted this company many times over the years to show proof I opened a account with them that I have no recollection over and was denied evidence

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: NY

Complaint narrative:
I have no connection to these accounts, which were created without my approval. As per USC XXXXg, I ask that they be removed within the required XXXX days. Supporting evidence is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In XX/XX/year>2025, I reviewed my credit reports from Experian, Equifax, and TransUnion and discovered several closed charge-off accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) that are being reported inaccurately. These accounts are listed as past due even though they are already charged off and closed. 

On or around XX/XX/scrub>, 2025, I disputed these accounts directly with the credit bureaus and requested verification under the Fair Credit Reporting Act ( FCRA 611 ). I specifically asked that they either ( 1 ) provide documentation from the original creditors validating the balances and status, or ( 2 ) update the reports to reflect XXXX past due balances and accurate notations. 

Despite my disputes, the accounts continue to be reported inaccurately as delinquent/past due, which is misleading and negatively impacts my creditworthiness. The companies involved have not provided sufficient documentation to verify the debts or correct the reporting. 

I am requesting that the CFPB investigate these matters and require the companies to correct or delete the inaccurate information as required under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: PA

Complaint narrative:
In XX/XX/year>2025, I reviewed my credit reports from Experian, Equifax, and TransUnion and discovered several closed charge-off accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) that are being reported inaccurately. These accounts are listed as past due even though they are already charged off and closed. 

On or around XX/XX/scrub>, 2025, I disputed these accounts directly with the credit bureaus and requested verification under the Fair Credit Reporting Act ( FCRA 611 ). I specifically asked that they either ( 1 ) provide documentation from the original creditors validating the balances and status, or ( 2 ) update the reports to reflect XXXX past due balances and accurate notations. 

Despite my disputes, the accounts continue to be reported inaccurately as delinquent/past due, which is misleading and negatively impacts my creditworthiness. The companies involved have not provided sufficient documentation to verify the debts or correct the reporting. 

I am requesting that the CFPB investigate these matters and require the companies to correct or delete the inaccurate information as required under the FCRA.

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 2025-08-29 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:
I am filing this complaint against TransUnion XXXX XXXX XXXX for blatant and ongoing violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in connection with fraudulent accounts that resulted from identity theft. Despite submitting a full FTC Identity Theft Report, supporting documentation, and clear evidence of fraud, TransUnion has failed to comply with multiple sections of federal law. They have not conducted a reasonable investigation as required under 15 U.S.C. 1681i ( a ) ( 1 ), and instead ignored the evidence I provided while allowing fraudulent accounts to remain on my file. They also failed to provide me with the required investigation results within the 30-day statutory timeframe, in direct violation of 15 U.S.C. 1681i ( a ) ( 6 ). Furthermore, they failed to block fraudulent information after receiving my FTC Identity Theft Report, in violation of 15 U.S.C. 1681c-2. These failures are not minor mistakes but willful misconduct that continues to cause me serious harm. TransUnion is knowingly allowing fraudulent accounts to remain on my credit report despite clear proof that these accounts were opened without my authorization and confirmed as identity theft. Their unlawful inaction has severely damaged my credit, caused emotional distress, and placed me at ongoing risk of financial harm. Federal courts, including XXXX XXXX TransUnion XXXX ( XXXX ), XXXX XXXX XXXX, XXXX ( XXXX ), and XXXX XXXX TransUnion LLC XXXX XXXX ), have made it clear that credit reporting agencies can not ignore their statutory obligations, yet TransUnion continues to willfully disregard them. I request that the CFPB immediately order TransUnion to remove and permanently block all accounts tied to my stolen identity, provide me with a full written explanation of their reinvestigation process and results, and take corrective action to ensure full compliance with the FCRA. In addition, I request that TransUnion be held accountable for the damages I have suffered due to their willful negligence and misconduct, including statutory and punitive damages as permitted under 15 U.S.C. 1681n and 1681o. TransUnion has been given notice and failed to act, and I ask the CFPB to compel immediate corrective action and hold them fully liable for their unlawful behavior. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: VA

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately. oval of these unverified 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 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 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 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 2025-08-29 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: VA

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately. oval of these unverified 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief