vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: FL

Complaint narrative:
In XX/XX/XXXX ( specifically on XX/XX/XXXX ), the original creditor, XXXX XXXX XXXX ( KY ), instructed me to vacate my apartment within 14 days due to alleged lease violations, without providing any opportunity to remedy the claimed issue, which directly violates Kentucky law ( XXXX XXXX ) and the lease contract terms. I fully complied and vacated the apartment within the instructed timeline. 

On XX/XX/XXXX, I.Q. Data XXXX contacted me attempting to collect a debt of {$3400.00} related to this lease. On XX/XX/XXXX, I sent them a formal written dispute requesting proper validation under the FDCPA, including proof of debt, breakdown of charges, relevant signed lease, and their authority to collect in Kentucky. 

In response, I.Q. Data provided an invalid lease from a previous year, not applicable to the disputed period, and crucially, it was not signed by me. They failed entirely to provide a valid, relevant lease or proper documentation validating the debt. 

On XX/XX/XXXX, I disputed this debt again through XXXX clearly presenting the correct lease ( signed by me ), the original vacate notice, and documentation proving the debt is invalid. Despite this, the collector certified the account as accurate without providing new documentation or valid proof of the debt. 

Therefore, the debt remains unverified and inaccurately reported. This is a clear violation of my rights under both the FDCPA and FCRA. 

I request immediate removal of this collection from my credit reports and ask the CFPB to intervene to prevent further improper collection attempts and false reporting by I.Q. Data XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Im filing this complaint because Ive had it with both Chase Card Benefit Services and XXXX XXXX. This situation has been a complete disaster from the start, and Im getting nowhere with either party. I need this resolved and I need it resolved now. OnXX/XX/XXXX, XXXX XXXX lost my luggage on a flight to XXXX. I filed a claim at the airport AND online. Since then, Ive gotten excuse after excuse from them. XXXX claims I wasnt in the system and that they cant find my bag. Turns out their employee gave me the wrong baggage ticket someone elses name was put on my suitcase. Thats 100 % their-fault, not mine. Despite all this, I tracked my bag using an XXXX XXXX, and it went to XXXX. So yes... it existed, and it was mishandled. But no one at XXXX is doing anything. No response, no update, no accountability. Just silence. I turned to Chase Card Benefit Services, thinking Id be protected by the travel insurance that comes with my card. Big mistake. Ive submitted everything receipts, proof of purchases, proof of travel, you name it. My lost items were worth over {$4000.00}. XXXX XXXX payout is only {$1000.00}, and I havent even gotten a single cent. On top of that, Chase keeps emailing me to send proof of the items I listed with the airline. Thats laughable... XXXX never gave me the chance to list anything when I filed the report. And Ive explained that over and over. Chase also promised to reach out to the airline directly. If they did, they havent told me or made any progress. Ive begged for someone to just call me so I can explain the situation, but instead I get the same copy-and-paste emails asking for more documents I cant produce because XXXX refuses to communicate XXXX Ive done everything I possibly can. Ive been patient. Ive followed up. Ive gone in circles for over XXXX months. Meanwhile, no one at Chase or XXXX is doing their job. This is why I chose this credit card for situations like this and now Im being ignored and penalized for something that isnt my fault. This process has been completely unprofessional, uncaring, and unacceptable. I need someone to hold Chase accountable and push this claim forward. I deserve to be reimbursed, its outrageous that Im still having to chase this down after almost a year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: MA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : UNKNOWN # XXXX * - Date Opened XX/XX/year>

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 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint against LVNV Funding LLC for reporting debts on my credit reports without providing prior notice or validation, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I discovered XXXX accounts from LVNV Funding LLC on my credit reports, which I do not recognize and fully dispute. I never received a notice of debt, any communication from XXXX, or documentation supporting the legitimacy of these debts before they were added to my credit profile. 

Here are the accounts as listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I believe these actions violate : - 15 U.S.C. 1692g ( a ) Failure to provide written notice of the debt within 5 days of initial communication - 15 U.S.C. 1692e ( 8 ) Reporting information to credit bureaus that is known or should be known to be false or unverified - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate information to consumer reporting agencies - 15 U.S.C. 1681s-2 ( a ) ( 7 ) Failure to notify the consumer before furnishing negative information to a credit bureau Requested Action : XXXX. Immediate deletion of these XXXX accounts from all consumer credit reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX. Written confirmation that LVNV Funding has no valid documentation to support these debts XXXX. A full investigation by the CFPB into LVNVs collection and credit reporting practices These negative items are damaging my credit and were placed without proper validation or due process. 

Thank you for your assistance in protecting my consumer rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: PA

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: PA

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: PA

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: IN

Complaint narrative:
When I checked my credit report, I found that some of the information was still inaccurate. Thecredit bureau is obligated to confirm this accountunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard this reporting accountas unconfirmed information without providing evidence within the legally required amount of time. The incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX * * * * * * * * * * * * Balance {$21.00}

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 non-monetary relief
Consumer complaint received 2025-04-16 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: TX

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 non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate traffic violation data being reported by XXXX on my XXXX  report. The report falsely lists XXXX separate speeding violations, both with an incident date of XX/XX/year> and a resolution date of XX/XX/year>. These entries claim I was involved in speeding over XXXX mph ( XXXX through XXXX mph over ), but I was never issued any citation, was never convicted, and have no knowledge of these violations. 

These false records do not appear on my official driving record from the XXXX and were reported in error by XXXX. I have already submitted a formal written dispute directly to XXXX under my rights granted by the Fair Credit Reporting Act ( FCRA ), requesting a reinvestigation and removal of the inaccurate data. These false violations are harmful to my profile and could unfairly affect my insurance premiums or coverage eligibility. 

I am requesting that the CFPB assist in ensuring XXXX promptly investigates and deletes the erroneous records from my XXXX  report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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:
I am submitting this as a consolidated complaint involving multiple credit reporting violations under the FCRA ( 15 USC 1681 ) and FDCPA. 

The issues include : Inaccurate and unverifiable late payment reporting XXXX XXXX XXXX XXXX ) Improperly reported charge-off ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) Illegally maintained collection accounts ( XXXX XXXX XXXX XXXX ) Unauthorized credit inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) I have attached a full breakdown of each complaint below, including account names, dates, and applicable statutes.

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 2025-04-16 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: IL

Complaint narrative:
I am submitting this as a consolidated complaint involving multiple credit reporting violations under the FCRA ( 15 USC 1681 ) and FDCPA. 

The issues include : Inaccurate and unverifiable late payment reporting XXXX XXXX XXXX XXXX ) Improperly reported charge-off ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) Illegally maintained collection accounts ( XXXX XXXX XXXX XXXX ) Unauthorized credit inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) I have attached a full breakdown of each complaint below, including account names, dates, and applicable statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$3100.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1300.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$760.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$8300.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$340.00} XXXXXXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX. ) # XXXX XX/XX/XXXX -- {$13000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to an accurate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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 am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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