vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Respondent ( Reporting Company ) : LVNV Funding LLC Debt Collector ( Agent Handling Account ) : XXXX XXXX XXXX, XXXX Phone : ( XXXX ) XXXX Mailing Address : P.O. XXXX, XXXX, XXXX Website : halstedfinancial.com Issue : Failure to Validate Debt & Reporting Unverified Collections Accounts in Dispute XXXX. Account # XXXX XXXX XXXX : XXXX XXXX, XXXX. ( Savor ) Alleged Balance : {$890.00} Validation Request Sent to XXXX XXXX XXXX ( FDCPA XXXX ) : I requested validation and asked for : XXXX. XXXX that XXXX XXXX XXXX is authorized to collect for LVNV Funding LLC. 
XXXX. The name and address of the original creditor ( XXXX XXXX, XXXX. ). 
XXXX. A copy of the original signed agreement or statements showing the alleged balance. 
XXXX. A full accounting of how the {$890.00} balance was calculated. 
XXXX. Documentation showing LVNV Funding LLCs ownership of this account. 

Response/Issue : XXXX XXXX XXXX XXXX not provide proper validation. Despite this, LVNV Funding LLC reported the debt to credit bureaus, creating an unverified collection entry on my credit report. 



XXXX. Account # XXXX XXXX XXXX : XXXX XXXX, XXXX. 
Alleged Balance : {$1300.00} Validation Request Sent to XXXX XXXX XXXX ( FDCPA XXXX ) : I requested validation and asked for : XXXX. XXXX that XXXX XXXX XXXX is authorized to collect for LVNV Funding LLC. 
XXXX. The name and address of the original creditor ( XXXX XXXX, XXXX. ). 
XXXX. A copy of the original signed agreement or statements showing the alleged balance. 
XXXX. A full accounting of how the {$1300.00} balance was calculated. 
XXXX. Documentation showing LVNV Funding LLCs ownership of this account. 

Response/Issue : XXXX XXXX XXXX XXXX not provide proper validation. Despite this, LVNV Funding LLC reported the debt to credit bureaus, creating an unverified collection entry on my credit report. 



Requested CFPB Action XXXX. Require LVNV Funding LLC to provide full validation for both accounts. 
XXXX. Require removal of all collections and unverified debt reporting for these accounts from all major credit bureaus ( Experian, Equifax, TransUnion ). 
XXXX. Investigate potential violations of FDCPA and FCRA, including continued collection and reporting without proper validation by their agent, XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX role as the collector/agent who handled the account and failed to validate the debt before reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I do not know this company never did business with this company I requested validation of this debt. I had no reply they are not in compliance my consumer rights how can I take action on this? Im not liable for this debt from portfolio recovery of the debt of XX/XX/XXXX and XX/XX/XXXX form XX/XX/XXXX remove this from my credit file immediately information im requesting the contract I have with them signature and a payment history if not stated this is Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to file a XXXX XXXX charge against XXXX XXXX for trying to obtain {$30000.00} for a vehicle which was bought by me for {$14000.00} from XXXX XXXX XXXX situated at XXXX XXXX XXXX XXXX NJ XXXX email XXXX and phone XXXX. XXXX has put in my credit that I have a loan which I never obtained. XXXX are just collecting money for the vehicle I bought from XXXX XXXX XXXX and have overstated the amount and insisting that I owe over {$14000.00} for the vehicle which is a 2016 vehicle. This is now the biggest fraud scheme because XXXX XXXX XXXX were told in New Jersey that they can not sell the vehicle for more that {$18000.00} by the XX/XX/XXXX New Jersey and they moved the repayment to California in the biggest fraud scheme so any default when the final payment is made they would take the vehicle and resell it after getting the full payment because no one would know because they have on their system that it is a loan and it is not. 

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 2025-11-25 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES illegally parked an alleged debt of {$880.00} on my consumer report without first contacting me. This is a violation of the debt parking rule. Furthermore, I have no contract with PORTFOLIO RECOVERY ASSOCIATES. I asked them to provided a original contract that cause the alleged obligation. They didn't provide a original contract between me ( XXXX XXXX XXXX XXXX and them ( PORTFOLIO RECOVERY ASSOCIATES ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NY

Complaint narrative:
Dear Sir/Madam, I am disputing the following accounts listed on my credit report with Experian. The items in question are outlined below. Please investigate the following accounts and update your records accordingly : Charged Off Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-25 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 writing to dispute the information on my TransUnion credit report. Below are the accounts that I believe to be inaccurately reported : 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

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 2025-11-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I took out a payday loan in XXXX from Speedy Cash. In XXXX I got sued. I did not respond because it was p [ assed the statue of limitation. I did not know my rights and didn't respond so they ended up sending it to default judgement and froze my bank accounts. They released the hold because we came to an agreement. I come to find out that in the state of TX it's passed the time of statue of limitation. They can not collect or sue me anymore but I didn't know my rights until now. now XXXX stuck paying the debt and it's not even on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zions Debt Holdings
State: PR

Complaint narrative:
On XX/XX/year> I submitted the Complaint ID - XXXX due to an account not being mine but legal responsabilty was from another person. Ignoring that, the company ( Zions Debt Holdings ) responded on XX/XX/year> the following : All XXXX accounts have to have an individual responsible. They will not set up an account solely under a business. Anybody can pay off the account. Your current balance owed is {$670.00}. Pay online at zionsdebtholdings.com with account # XXXX. If you pay off the account, we offer full deletion from the credit bureaus. 

Because my credit is important, and even with the account not being my responsability, I decided to pay as requested above. Attached you can see the evidence. Zions Debt Holdings has not proceded with the deletion as mentioned above. I even disputed this with prove with XXXX  and Zions Debt Holdings stated that the debt still there and will be in my credit file.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
They are a XXXX party requesting money i don't owe to them and have failed to provide proof this is my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello I have a Chase Sapphire Reserve XXXX, as per the policy if i purchase {$5000.00} or more i would receive a annual travel credit of {$500.00} to my account which i can use it for travel booking. I used it for a hotel booking in XXXX on XX/XX/XXXX through XX/XX/XXXX, the cost of the hotel was $ XXXX but my entire {$500.00} credit was exhausted for this transaction. There was no clear communication on site that stood out that the entire XXXX $ amount would be exhausted against the booking even if the actual price is lower than {$500.00}. In this case ~ {$420.00} was lost which i could have used for a useful booking where i could have taken advantage of the amount. I am paying an Annual fee of {$750.00} for this card and the terms and conditions are not clear for a customer to read or figure out the fine print. I called chase bank raising this concern and I was transferred to multiple departments and eventually the call was disconnected by escalation department. I called again and every department mentioned they can not provide any solid information and have no ability to resolve the issue and no clear path on which department can handle this concern. i was transferred to departments in a vicious cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
Multiple accounts that clearly do not belong to me are being reported under my name, indicating my credit file has been improperly merged with someone elses information. I never opened, authorized, or managed these accounts, and their presence on my report is a demonstrable misrepresentation of my financial history. This mixed-file error is unacceptable, has caused significant concern, and is damaging my credit and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as XXXX XXXX XXXX XXXX AS XXXX, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( XXXX XXXX XXXX XXXX - XXXX ) XXXX they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section XXXX, which requires that consumer reporting agencies conduct a reasonable investigation to ensure

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as XXXX XXXX XXXX XXXX AS XXXX, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( XXXX XXXX XXXX XXXX - XXXX ) XXXX they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section XXXX, which requires that consumer reporting agencies conduct a reasonable investigation to ensure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX ACCOUNT # XXXX XXXX. Reporting of Obsolete Information Violation of XXXX5 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: AL

Complaint narrative:
I am writing to dispute the inaccuracies on my TransUnion credit report. The discrepancies listed below appear to be in violation of the Fair Credit Reporting Act ( FCRA ), and I am concerned that they could indicate unauthorized access to my credit file, as they do not align with my records. 
Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} o Account Status : Collection/Chargeoff o FCRA Violations : The account should be reported as closed instead of open. 
o Potential Data Breach : The error XXXX suggest unauthorized access to my credit data. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} o Account Status : Paid as agreed, but marked as derogatory. 
o FCRA Violations : The account should reflect as paid with no derogatory remarks. 
o Potential Data Breach : The incorrect reporting could be due to external manipulation.

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