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

Complaint narrative:
DEAR LVNV FUNDING / RESURGENT XXXX XXXX : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : Original Credit Agreement ( the contract I allegedly signed, if applicable ) Full Itemized Statement ( showing how the balance was calculated ) Forward Flow Agreement ( proving debt transfer from original creditor ) Chain of Title / Assignment Documents ( showing legal transfer of ownership ) Complete Payment History Records ( verifying payments or delinquencies ) Validation Notice ( per FDCPA 1692g ) Notice of Default / Intent to Collect ( as required by law ) Proof of Statute of Limitations ( confirming debt is legally collectible ) Credit Reporting Agreement ( authorizing reporting to bureaus ) Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 

Continuing to report or collect on an unverifiable account violates FCRA XXXX681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
They say the XXXX  sue, or add to credit report due to the age of the debt and they have added it to credit report. I have disputed it XXXX  and stays on there saying they disagree. I have the emails to prove they have stated this multiple times. If not resolved I will pursue legal actions against them.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this formal complaint because several accounts and addresses appearing on my credit reports are inaccurate, misleading, and have caused harm to my creditworthiness. I am requesting an immediate investigation under the Fair Credit Reporting Act ( FCRA ), including verification of the reported information, removal of unverifiable or incorrect data, and written confirmation of the results. 

First, the following addresses listed on my credit files are not mine, and I have never lived at or used them in any way. These must be removed as they indicate possible identity error or fraud : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX, CA XXXX Next, there are accounts reporting statuses that are incorrect, outdated, or unverifiable. These entries are negatively affecting my credit standing and must be investigated under FCRA 602, 607, and 609 : XXXX Account ending in XXXX XXXX XXXX {$490.00}, Opened XX/XX/XXXX. This account is reporting late payments, which is incorrect. I have never made a late payment on this account. I request verification of the full payment history and removal of any inaccurately reported negative information. 

XXXX  XXXX Account ending in XXXX XXXX XXXX {$210.00}, Opened XX/XX/XXXX. This account is reporting as a charge-off, but I have no knowledge of this account. I request full validation and investigation. If the furnisher can not prove ownership, signed contract, and full accounting, it must be deleted. 

XXXX Account ending in XXXX XXXX XXXX {$18000.00}, Opened XX/XX/XXXX. This account is reporting late payments, which are inaccurate. I request complete verification of the payment history and removal of the incorrect late payment data. 

Lastly, XXXX XXXX  is reporting a credit inquiry dated XX/XX/XXXX that I did not authorize. Under FCRA regulations, unauthorized inquiries must be removed because they impact my credit unfairly. 

These errors violate the Fair Credit Reporting Act under sections pertaining to accuracy, proper reporting, reinvestigation, and consumer protection. I expect a full investigation and correction within the legal timeframe. If the data furnishers are unable to provide documented proof of accuracy, these items must be permanently deleted from all consumer reporting agencies. 

Please send me written results of your investigation and updated copies of my corrected credit reports once these issues have been resolved. 

Thank you for your prompt attention to 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 2025-11-25 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: GA

Complaint narrative:
I am submitting this complaint intentionally and not in error. My credit report contains inaccuracies that do not meet the standard of maximum possible accuracy. These errors are causing significant distress and negatively impacting my life in profound ways during challenging times. Correcting or removing them would provide substantial relief.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: NH

Complaint narrative:
Borrower : XXXX and XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX Loan/Account XXXX XXXX XXXXXXXX Issue : XX/XX/XXXX was drafted and had NSF so the borrower submitted funds the next day. The draft was not reattempted. XXXX called into NewRez to rectify and was told she was all set. No late payment was applied. 
Unbeknownst to the borrowers, the additional principal that they had regularly scheduled was held in a partial payment account and was not released to cover the payment until XX/XX/XXXX. 
XXXX XXXX called New Rez several times in XXXX and was assured she was up to date, and even had an overage. 
Summary of Events : The XX/XX/XXXX draft was initiated but returned NSF. This is 100 % the fault of the XXXX, who fixed it immediately. 
The following day, additional funds were deposited into the account. 
The borrower called NewRez and spoke with a representative, who confirmed she was all set and that no further action was needed. 
Despite that, NewRez did not re-draft or manually process the XXXX payment. 
The system then took {$120.00} and applied it as a partial payment, leaving the XXXX installment showing as unpaid. 
Because of this, the account now incorrectly reflects that payments are XXXX month behind, extending the payoff date and impacting credit reporting. 
The continual {$120.00} was placed in a partial account until it was fully applied, on XX/XX/XXXX. 
As the payment is on auto-draft and no calls were made to the borrower, she was unaware of the depth of the issue. 
Requested Actions : It is clear from the NewRez notes and on time auto payments that this was an error, yet it has far reaching consequences. 

Conduct a full payment research investigation of the XX/XX/XXXX NSF return and the subsequent partial application ( {$120.00} ). 
Correct the payment history to reflect that the borrower called, resolved the NSF issue, and was told the account was current. Please note that she also called in XXXX as well. 
We are requesting that NewRez remove any delinquency reporting associated with XX/XX/XXXX and provide written confirmation. Even XXXX fair XXXX  day late is better than XXXX, which is not supported by XXXX XXXX 
Provide a XXXX XXXX XXXX XXXX XXXX on NewRez letterhead documenting the correction and current paid-through date.

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 card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year>, XXXX local time, I was coerced into a tailor shop in XXXX XXXX XXXX XXXX where I paid {$1200.00} via XXXX XXXX on my U.S. Bank XXXX XXXX XXXX XXXX for custom-tailored suits. The merchant scheduled delivery for XX/XX/XXXX, XXXX local time, at my hotel. The merchant did not appear at the stated time, then later incorrectly claimed that I picked up the merchandise at my hotel room. 

I filed a dispute with U.S. Bank the same day. U.S. Bank responded XX/XX/XXXX, requesting additional information and gave me a provisional credit for the full transaction amount of {$1200.00}. Then, after a series of back-and-forth asynchronous communications and submitted documents, U.S. Bank reversed my credit and abruptly denied my non-delivery dispute, citing " non-refundable under the merchant 's terms '' instead of requiring proof of delivery and " we are unable to intervene on your behalf ''. 

XXXX  XXXX requires proof that the cardholder accepted delivery ; the merchant provided none. No timestamped proof of delivery was signed by either me or an authorized agent. I supplied independent evidence that no delivery occurred ( hotel note revoking agency, boarding pass, hotel confirmation of no delivery/no signature ), yet the bank has not reopened the case nor escalated it through XXXXXXXX XXXX network arbitration. 

I request that the bank re-open the case, re-file under XXXX XXXX, or escalate to XXXX arbitration, and furnish copies of any evidence used to deny the claim.

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: MD

Complaint narrative:
I am writing to dispute the following items on my credit report. Below are the details of the accounts in question : Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXXXXXX XXXX  XXXX : 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 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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing because my dispute has not been properly handled, and it is clear that your bureau has failed to follow the law under 15 U.S. Code 1681i ( 4 ), which requires you to give full consideration to all relevant information I provide as a consumer.

I submitted supporting documents and explanations to show that the account and information in question are inaccurate. Instead of addressing the evidence I sent, your response appeared to be nothing more than a surface-level verification from the furnisher. This is not compliance with the law. The statute explicitly states that consumer-provided information must be considered during an investigation. By ignoring the materials I submitted, you are in direct violation of federal law and my rights under the Fair Credit Reporting Act ( FCRA ).

The presence of this inaccurate information continues to harm melowering my credit score, damaging my reputation, and interfering with my ability to access fair credit opportunities. You are required to conduct a proper reinvestigation that includes my documentation, not just a rubber-stamp validation from the furnisher.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent, inaccurate, unauthorized, and damaging accounts, inquiries, and public records from my credit file. These items are the direct result of identity theft and are being reported in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 605B, 607 ( b ), and 611 ( a ), you are legally obligated to block and delete all fraudulent or unverifiable information within four ( 4 ) business days of receiving my FTC Identity Theft Report and supporting documents. Any delay, negligence, or continued reporting of this false information will be considered willful noncompliance and a serious violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for statutory, actual, and punitive damages. This is your final warning delete all fraudulent and inaccurate data immediately or face legal consequences.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint about Equifaxs credit reporting and failure to properly handle my written disputes under the FCRA. 

On my Equifax report I have : A XXXX XXXX credit card where I am listed as an Authorized User, but Equifax is reporting serious late payments ( including 90119 days past due ) against my file as if I am the primary person responsible. 
A XXXXXXXX XXXX debt buyer collection account for about {$6900.00} with a Date of First Delinquency around XX/XX/year>. 
A XXXX XXXX XXXX auto loan that shows as charged off and transferred/sold with a charge-off amount around {$17000.00}. 

I already sent Equifax a written dispute by mail. I included my ID, proof of address, and a detailed dispute letter. Equifax did not fix the errors and all of these accounts are still hurting my credit. 

For the XXXX XXXX account, I am only an Authorized User and should not be treated as the person legally responsible for the debt, yet my report shows serious delinquencies that appear under my name. 

For the XXXX XXXX and XXXXXXXX XXXX XXXX accounts, there are problems with the way the debt buyer account and the original auto loan charge-off are reported together, including the Date of First Delinquency, the charge-off amount, the collection balance, and how these amounts relate to each other. The reporting makes it unclear whether I owe more than one balance for the same auto loan and may be using dates or coding that are not correct. 

I tried to fix this directly with Equifax through written disputes, but Equifax did not fully correct or explain these issues.

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I SENT A REQUEST TO XXXX XXXXXXXX XXXX XXXX XXXXXXXX GA XXXX ON XX/XX/year> AND EQUIFAX SENT A STALL LETTER XXXX XXXX XXXXXXXX. 

I RESENT ALL INFO TO EQUIFAX XXXX XXXX XXXXXXXX XXXX GA XXXX ON XXXX XXXX XXXX XXXXXXXX AND EQ XXXX XXXX XXXX XXXX GA XXXX ON XXXX REG MAIL. 

ON XXXX EQUIFAX SENDS ANOTHER STALL LETTER XXXX XXXX XXXX REQUESTING THE SAME EXACT DOCS. AND I MAILED THIS OUT AGAIN ON XXXX TO EQ XXXX XXXX XXXX  XXXX GA XXXXXXXX XXXX XXXXXXXX AND EQ XXXX XXXX  XXXX XXXX GA XXXX REG MAIL

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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Tx, XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, XXXX Subject : Dispute and Request for Investigation of Collection Account To Whom It May Concern : Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ), I am disputing a collection account that currently appears on my credit report.

I do not recognize this account and believe it has been reported without proper authorization or verification. Accordingly, I request an immediate investigation and, if appropriate, the removal of this account from my credit file in compliance with federal law. 
Important Notice : I have already exercised my rights under the FDCPA by sending a written validation request directly to the debt collector regarding this account. A copy of that letter is attached for your review. To date, I have not received proper validation of this debt. Therefore, maintaining this account on my credit report without supporting documentation may constitute a violation of the FCRA and FDCPA.

Legal Basis : As highlighted in XXXX v. XXXXXXXX XXXX XXXXXXXX ( XXXX ), furnishers of information are required to conduct a reasonable and accurate investigation once a consumer dispute is raised. Failure to do so may result in a violation of the FCRA. Under Section 623 of the FCRA, furnishers are obligated to report only accurate and verifiable information. Furthermore, Section 807 of the FDCPA prohibits debt collectors from using false or misleading representations in connection with the collection of a debt.

Requested Documentation for Validation : Proof of responsibility A signed contract or original agreement confirming my obligation to pay.

Breakdown of charges A detailed itemization of fees, interest, and payments applied to the account.

Details of the debts transfer The name of the entity that acquired the debt, the date of transfer, and the balance at that time.

Proof of authority Legal documentation confirming the reporting entitys authorization to collect or furnish this debt.

If this account can not be fully validated in compliance with the FCRA and FDCPA, I request its immediate deletion from my credit report. Reporting unverifiable or inaccurate information may constitute a violation of these laws, and I reserve the right to pursue all remedies available under federal and state law. 
Please provide the results of your investigation in writing within the timeframe required by law. 
Sincerely, XXXX XXXX XXXX

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which is a violation of FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : 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 2025-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
On XX/XX/year>, I placed an order via XXXX for a laptop. The payment method at checkout was an affirm payment plan. XXXX never charged that- they instead charged a card I had on file and affirm opened the loan. This loan has been pending ever since- even though I cancelled it the day of. I have been persistent in my attempts of trying to communicate with affirm however they never email me back. Per affirms policy you can not open a dispute on a pending loan, however they can charge you. This as left me in and endless circle between affirm and XXXX trying to get a refund for the down payment made.

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: CA

Complaint narrative:
I am submitting this complaint to dispute multiple inaccurate items on my Experian credit report. The information reported does not reflect my accurate account history, balances, or account status. Below is a detailed list of disputed accounts : Charged-Off Accounts : Account Name Account Number Account Date Balance Issue XXXX XXXX XXXXXXXX XXXX Account status, balance verification XXXX XXXX XXXXXXXX XXXX XXXX Account status, balance verification XXXX XXXX XXXX XXXX Account status, balance verification XXXX XXXX XXXX XXXX XXXX Account status, balance verification XXXX XXXX XXXXXXXX XXXX XXXX Account status, balance verification XXXX XXXX XXXXXXXX XXXX XXXX Account status verification XXXX XXXXXXXX XXXX XXXX XXXX Account status verification Inquiries : Account Name Account Date Issue XXXX XXXX XXXXXXXX Unauthorized or inaccurate inquiry reporting Late Payments : Account Name Account Number Issue XXXX XXXX XXXXXXXX Late payment reporting inaccurate XXXX XXXX XXXX XXXX Late payment reporting inaccurate XXXXXXXX XXXX XXXXXXXX Late payment reporting inaccurate I request that Experian investigate each disputed item, correct any inaccuracies, and provide me with an updated credit report reflecting accurate information.

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