vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 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: CA

Complaint narrative:
Cease and Desist & Request for Debt Validation XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ] Date:XXXX TO : Resurgent Capital Services L.P . 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX CC : LVNV Funding LLC RE : XXXX  XXXX account ending in XXXXNOTICE OF CEASE AND DESIST & DEMAND FOR VALIDATION OF DEBT To Whom It May Concern, Concerning the above-referenced account, which you allege is owed to LVNV Funding LLC XXXX 
This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1. Demand for Validation of Debt Pursuant to 15 U.S.C. 1692g ( b ), I hereby dispute the alleged debt in its entirety and request full validation. Specifically, provide the following : The name and address of the original creditor ; 2 ) A complete accounting of the alleged amount, including principal, interest, fees, and charges ; 3 ) A copy of the signed contract, application, or other instrument bearing my wet-ink signature that created the alleged obligation ; 4 ) Chain of assignment/transfer from the original creditor to LVNV Funding LLC and subsequently to Resurgent Capital Services L.P. ; 5 ) Evidence that Resurgent Capital Services L.P. is licensed to collect debts in my state ; 6 ) Copies of any judgment, security agreement, or other legal instrument granting you the right to collect.

Until such validation is provided, you must cease collection efforts, as required by law.

2. Cease and Desist Order Effective immediately, you and your agents are hereby ordered to cease and desist from : All phone calls, texts, or emails to me, my family, or my place of employment ; Any attempts to collect until full validation is provided ; All phone calls, texts, or emails to me, my family, or my place of employment ; Any attempts to collect until full validation is provided ; Reporting or continuing to report this alleged debt to any credit bureau without noting it is disputed, per 15 U.S.C. 1692e ( 8 ) and 15 U.S.C. 1681s-2 ( a ) ( 3 ). 



3. Notice of Rights Any violation of this notice will be documented as evidence of willful noncompliance with the FDCPA and FCRA.

Continued attempts at collection without validation may subject you to civil liability under 15 U.S.C. 1692k and damages under 15 U.S.C. 1681n & 1681o. 


This notice is not a refusal to pay but a lawful demand for compliance with federal consumer protection laws. 
Reservation of Rights All rights reserved, without prejudice, UCC 1-308. 
Respectfully, XXXX : XXXX  Beneficiary for XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have a XXXX limit on my Capital One credit card. 

It is always fully paid off. They received an " overpayment '' by my bank or {$8100.00}. They put a hold on that amount. I get that, no worries. Then they TOOK {$8100.00} out of my charge card which should never have been done. I get the hold for the overpayment. But that should NOT affect my XXXX dollar limit. I did not charge anything, it's an overpayment not a charge. I was punished for an overpayment and dropped my limit to XXXX. 
YOU DON'T take money out of my Account when my account is already paid off when an overpayment is made. You simply hold the overpayment until it clears, but you don't charge me {$810000.00} out my account for an overpayment. That's screwing up my FICO scores. Capital one simply says, when you make an overpayment, it freezes you account. No Bank does this. NONE. You simply DO NOT touch my {$10000.00} limit and charge me for an overpayment that you already put a hold on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: NV

Complaint narrative:
Formal Complaint Unlawful and Inaccurate Credit Reporting by Experian, Equifax, and TransUnion To Whom It May Concern, I am filing this complaint against Experian, Equifax, and TransUnion for unlawful and inaccurate credit reporting in violation of the Fair Credit Reporting Act ( FCRA ). 
XXXX. Fraudulent/Inaccurate Accounts XXXX XXXX XXXX XXXX Auto Loan  ) Fraudulent, tied to XXXX  identity theft. 
XXXX XXXX  XXXX XXXX I have never had an account with this institution. 
XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX Inaccurately reported as late despite being in deferment. This was impacted by the recent Department of Education ( DOGE ) breach of data. 

XXXX. Improper Score Impact Due to the unlawful reporting of the XXXX account as late, my credit score was improperly reduced by XXXX points. This is inaccurate and harmful, as the loan should never have been reported delinquent. 
XXXX. Personal Information Errors My reports contain fraudulent/outdated information : Incorrect names Fraudulent/old addresses in Utah and Washington Outdated employers and phone numbers XXXX. Data Breach Concerns Recent breaches ( Dept. of Education & TransUnion ) compromise the validity of these accounts. Negative data tied to breached systems is unverifiable and must be removed. 
XXXX. Requested Relief I request the CFPB require Experian, Equifax, and TransUnion to : Remove all fraudulent accounts and negative student loan reporting. 
Delete all outdated/fraudulent personal information. 
Correct my credit file and restore my score. 
Provide written confirmation of compliance. 

Thank you for your immediate attention.

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 2025-09-07 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: NV

Complaint narrative:
Formal Complaint Unlawful and Inaccurate Credit Reporting by Experian, Equifax, and TransUnion To Whom It May Concern, I am filing this complaint against Experian, Equifax, and TransUnion for unlawful and inaccurate credit reporting in violation of the Fair Credit Reporting Act ( FCRA ). 
XXXX. Fraudulent/Inaccurate Accounts XXXX XXXX XXXX XXXX Auto Loan  ) Fraudulent, tied to XXXX  identity theft. 
XXXX XXXX  XXXX XXXX I have never had an account with this institution. 
XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX Inaccurately reported as late despite being in deferment. This was impacted by the recent Department of Education ( DOGE ) breach of data. 

XXXX. Improper Score Impact Due to the unlawful reporting of the XXXX account as late, my credit score was improperly reduced by XXXX points. This is inaccurate and harmful, as the loan should never have been reported delinquent. 
XXXX. Personal Information Errors My reports contain fraudulent/outdated information : Incorrect names Fraudulent/old addresses in Utah and Washington Outdated employers and phone numbers XXXX. Data Breach Concerns Recent breaches ( Dept. of Education & TransUnion ) compromise the validity of these accounts. Negative data tied to breached systems is unverifiable and must be removed. 
XXXX. Requested Relief I request the CFPB require Experian, Equifax, and TransUnion to : Remove all fraudulent accounts and negative student loan reporting. 
Delete all outdated/fraudulent personal information. 
Correct my credit file and restore my score. 
Provide written confirmation of compliance. 

Thank you for your immediate attention.

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 2025-09-07 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: PA

Complaint narrative:
XXXX XXXX on my report ; I did not aprve them bc of identity theft. Remve these to fix my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
Received XXXX letters from Wellsfargo dated on XX/XX/year> advising that they were unable to open an account due to not having information. That in order to move forward to open an account I will need to reach out to Wellsfargo and present identification. I have never opened or have attempted to open an account with Wellsfargo or any other bank at this time.

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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Remov unathorized chargs off my report ; I've been victimizd by identity theft. Remve them to fix my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Remov unathorized chargs off my report ; I've been victimizd by identity theft. Remve them to fix my credit report.

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 2025-09-07 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: TX

Complaint narrative:
Name : XXXX XXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX TransUnion XXXX Equifax XXXX Experian ( URGENT MATTER ) XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Items listed above, have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( AN ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Remove fraudulent addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX MILE XXXX XXXX # XXXX XXXX, TX XXXX XXXX Unauthorized Fraudulent Accounts Listed Below : XXXX. XXXX XXXX XXXX XXXX BANK XXXX XXXX, Opened on XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Opened XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Opened XXXX, XXXX XXXX XXXX XXXX XXXX, Opened XXXX, XXXX XXXX & XXXX PL ( Original Creditor : XXXX CXXXX XXXX  XXXX * *, Opened XXXX, XXXX XXXX XXXX XXXX XXXX, opened XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, opened XXXX, XXXX Remove Unauthorized Fraudulent Inquiries Listed Below : XXXX XX/XX/XXXX Section XXXX & XXXX. If your company fails to comply, you will be required to appear in a court venue. 
Failure to respond Written By : XXXX XXXX ( MY IDENTIFICATION IS ATTACHED BELOW )

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 2025-09-07 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: TX

Complaint narrative:
Name : XXXX XXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX TransUnion XXXX Equifax XXXX Experian ( URGENT MATTER ) XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Items listed above, have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( AN ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Remove fraudulent addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX MILE XXXX XXXX # XXXX XXXX, TX XXXX XXXX Unauthorized Fraudulent Accounts Listed Below : XXXX. XXXX XXXX XXXX XXXX BANK XXXX XXXX, Opened on XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Opened XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Opened XXXX, XXXX XXXX XXXX XXXX XXXX, Opened XXXX, XXXX XXXX & XXXX PL ( Original Creditor : XXXX CXXXX XXXX  XXXX * *, Opened XXXX, XXXX XXXX XXXX XXXX XXXX, opened XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, opened XXXX, XXXX Remove Unauthorized Fraudulent Inquiries Listed Below : XXXX XX/XX/XXXX Section XXXX & XXXX. If your company fails to comply, you will be required to appear in a court venue. 
Failure to respond Written By : XXXX XXXX ( MY IDENTIFICATION IS ATTACHED BELOW )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion had a breach and my information/data along with XXXX of other peoples information/data was leaked, exposed whatever you would like to call it. I would appreciate them not reporting. Also XXXX XXXX is still reporting my payments late and Im paying on time. Ive spoken to them and there has been no change.

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 2025-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I received a call from XXXXXXXX XXXX  The caller ID also showed XXXXXXXX XXXX and the actual bank number. I was advised that there were two transactions for XXXX payments that were pending as they may be fraud. I was told that these steps needed to be taken in order to stop the transaction. The instructions were to add XXXX XXXX XXXXXXXX to my contacts pull it up as a the send to and then add the confirmation numbers. Afterwards, I was told to add " cancel {$2000.00} '' to the memo and add a code of of XXXX and send a screenshot of the transaction, I asked why is this coming up as a dollar amount and was told that the IT department set it up this way. I was told to send and then I would receive confirmation that they fraudulent transaction would be reversed or cancelled, After I hit send, I realized that this was a scam. It is said that because I knowingly sent the money that it is hard to dispute. I called my bank and they said they will try to dispute it but there should be more layers of security. This transaction was a scam not an authorized payment,.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: NY

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi, I am filing this complaint in regards oft fraudulent and unauthorized inquiries and accounts listed on my credit report. I have submitted all supporting documents to all three credit bureaus and have yet to receive any type of resolution. This situation has become extremely frustrating and it's kept me from moving forward with my finances and significantly impacting my credit! From my understanding, these items are supposed to be deleted within 4 days of receipt of the necessary documentation. To date, absolutely no action has been taken and it's no way this could be legal. Please see attached.

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 2025-09-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLLECTION SERVICE BOX XXXX XXXX, MA XXXX XX/XX/year> To Whom It May Concern, I am writing to dispute inaccurate information on my credit report and to request debt validation. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act and the following item needs to be re-investigated : XXXX XXXX Account XXXX Please provide proof and documentation of the following : An agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. 
An agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
Proof that you are licensed to collect in my state. 
Under federal law, you have 30 days to complete your investigation. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the XXXX major credit reporting bureaus : XXXX XXXX and XXXX ) request shall be sent to me immediately Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: PR

Complaint narrative:
I recently reviewed my credit report and found that my account with XXXX XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX is being reported inaccurately. The report shows late payments for XX/XX/year> and XX/XX/year>, even though these payments were made on time. 

Consumer reporting agencies are required to ensure that all information is reported with complete accuracy. I am requesting a thorough investigation into this matter and verifiable proof, with records, showing that these payments were actually late. If such proof can not be provided, I demand that the payments for XX/XX/year> and XX/XX/year> on the above-mentioned account be immediately updated to reflect paid on time status. 

Thank you for your prompt attention and cooperation in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

The accounts below have violated my rights. 
15 U.S.C XXXX section XXXX. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C XXXX ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : FACTUAL DATA XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX FACTUAL DATA 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