vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: NY

Complaint narrative:
I am writing to dispute several accounts that have been inaccurately reported on my TransUnion credit report. Below is the detailed information regarding the accounts in question : Charged-Off Accounts : XXXX, XXXX, XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$3100.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX, XXXX XXXX XX/XX/XXXX, Balance : {$1800.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$4000.00} XXXX  XXXX, XXXX, XX/XX/XXXX, Balance : {$830.00} XXXX XXXX  XXXX, XXXX XXXX XX/XX/XXXX, Balance : {$420.00} XXXX  XXXX, XXXX, XX/XX/XXXX, Balance : {$3000.00} XXXX  XXXX, XXXX, XX/XX/XXXX, Balance : {$340.00} XXXX, XXXX, XX/XX/XXXX XXXX XXXX : {$0.00} Inquiries : XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX Late Payments : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-14 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: NC

Complaint narrative:
To Whom It May Concern : I am submitting this letter as a formal dispute under FCRA 611 regarding an unverified and inaccurate collection account being reported by LVNV Funding LLC on my credit file. 
Account in Dispute ( from my credit report ) : Creditor/Collector : LVNV FUNDING LLC Reported Balance : {$1200.00} Date Opened : XX/XX/year> Status : Placed for collection Remarks : Account information disputed by consumer ( per the credit bureau report XXXX This account is inaccurate, unverifiable, and must be removed immediately. 

REASONS FOR DISPUTE LVNV Funding LLC is reporting this alleged debt without providing legally required verification or documentation. They are a known debt buyer, and I have never had an account directly with them. 
After contacting LVNV Funding LLC, they failed to provide all of the following, which are necessary to verify and lawfully report a debt : A Purchase Agreement showing LVNV Funding legally acquired any account allegedly tied to my name.

Proof of securitization or documentation indicating whether the original creditor sold or packaged this debt into any financial instrument.

A complete Chain of Title, showing every transfer of the alleged debt from the original creditor to LVNV Funding LLC.

A contract or agreement bearing my wet signature that binds me to any alleged account.

Proof of ownership, assignment, or transfer notice required for a debt buyer to legally collect.

Full validation required under FDCPA 809 ( b ) when I requested verification.

Because none of this information has been produced, the reporting is unverified and therefore illegal to publish under FCRA.

APPLICABLE FCRA VIOLATIONS This reporting violates multiple sections of the Fair Credit Reporting Act, including : FCRA 602 ( A ) Right to fair and accurate reporting.

FCRA 607 ( b ) CRAs must ensure maximum possible accuracy ; unverifiable data can not be reported.

FCRA 609 ( a ) ( 1 ) ( A ) Consumers have the right to documentation relating to the account being reported.

FCRA 611 ( a ) ( 1 ) ( A ) If disputed information can not be verified, it must be deleted within 30 days.

LVNV Fundings failure to provide documentation means the bureaus are currently reporting unverified and inaccurate information.

Please complete the reinvestigation within the FCRA-mandated 30 days and send me written confirmation of the results. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Corp Solutions Inc.
State: MA

Complaint narrative:
I have been harassed by credit corps solution this event occurred on XX/XX/year> around noon XXXX XXXX  to be exact. I owed {$1000.00} which now is {$1300.00} cause of interest, used on a XXXX XXXX  card for medical bills for my senior dog. I got threatened multiple times by a rep named XXXX. She threatened me multiple times and was very aggressive and rude. I am also post recovery from a major XXXX XXXX that I had on XX/XX/year> which I did let her know. I had my first child which is a life changing experience not to mention it was an XXXX XXXX I am also unemployed and on the verge of homelessness so I do not need to be threatened that they are taking me to court over a small sum and also they would not allow me to make a payment arrangement that was affordable for me. XXXX aggressively told me she will contact my employer ( which I dont have one ). Or they are taking me to court. As a new mother I am trying to survive and Im not denying I owe the doubt however they did not provide any solution for me other than we are going to sue you. I feel very violated and believe she was very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The dealership ran my credit without my authorization. I had a written pre-approval from Capital One and told the dealer to use that only. I did not sign a credit application or give permission for any other inquiry. 

Despite this, the dealer ran my credit and submitted a loan through XXXX without my knowledge or consent. They did not disclose the name of the lender when they showed me the loan terms. 

This violates the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ). I am requesting the inquiry be removed, the loan be voided or rewritten with full disclosure, and the dealership correct this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
Dear Sir/Madam, I am filing a complaint regarding the following accounts in dispute on my credit report. I request your investigation and appropriate corrections to ensure the accuracy of the information on my credit file. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Reliant Capital Solutions, LLC
State: TX

Complaint narrative:
Reliant Capital Solutions have called multiple times on a debt that I have disputed. They have gone so far as to contact my husband multiple days in a row who had nothing to do with it. I am not even sure how they got his number since I did not give consent for them to call. They have been told to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I requested that escrow be waived on my United Wholesale Mortgage account. I received a letter on XX/XX/XXXX stating that escrow would be waived. My payments were set up for auto draft so my XXXX payment due on XX/XX/XXXX that was drafted from my account was for the full amount including escrow. That payment was for {$1200.00} ( {$850.00} principle and $ {$410.00} escrow ). I received a letter dated XX/XX/XXXX stating the following, " Please be aware that if you are enrolled for automatic payments ( ACH ), your next monthly payment may draft with the escrow payment included. If so, the escrow payment will be refunded to you and the draft amount will reflect the new monthly payment thereafter. '' Instead of the overpayment being refunded to me, it was applied to my loan 's principle balance. On XX/XX/XXXX, I did a chat with a UWM representative and asked why the escrow funds were applied to the principle. I was told that was standard and that I could request a refund that would be processed before XX/XX/XXXX. I requested the refund. 
On XX/XX/XXXX, I did another chat with a UWM rep and was told that she was not sure why the letter would say the money would be returned to me because that was not their policy. The rep advised that my request to have the funds returned to me was still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NC

Complaint narrative:
I am disputing the following accounts and inquiries on my Equifax credit report. I believe these items are either inaccurately reported, incomplete, or need further verification. Kindly review the following accounts and update my credit file accordingly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: NV

Complaint narrative:
I am writing to dispute the following accounts that I believe are inaccurately reported on my credit reports. Please find the details of the disputed accounts below, separated by bureau. 

CHARGED OFF XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$2200.00} Dispute Reason : Inaccurate reporting of the balance and payment history. 

XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$2800.00} Dispute Reason : Incomplete or inaccurate account reporting. 

DISCOVERCARD Account Number : XXXX Date Opened : XXXX Balance : {$2400.00} Dispute Reason : Discrepancy in the reported balance and payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
I am submitting a complaint regarding inaccurate and misleading reporting by a debt buyer on my credit report. 

The account is reporting as follows : Balance : {$4600.00} Date opened : XX/XX/2025 XXXX : XXXX account. {$4600.00} past due as of XX/XX/2025. 


This reporting violates the FCRA and FDCPA for the following reasons : 1. The date opened is false and does not reflect the original Date of First Delinquency, violating FCRA 623 ( a ) ( 5 ).

2. The DOFD required by law is missing, making the reporting incomplete and unverifiable.

3. Past-due balance reporting by a debt buyer is inaccurate without validation.

4. No documentation has been provided showing the creditor owns the debt, violating FDCPA 809 ( b ).

5. The debt buyer failed to provide proof of the amount owed, itemized charges, or chain of title.

6. The bureaus conducted an inadequate reinvestigation, violating FCRA 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: VIRTUOSO SOURCING GROUP, LLC.
State: GA

Complaint narrative:
XX/XX/XXXX and XXXX XXXX I was called and texted by Virtuoso Sourcing Group saying that I owed an alleged debt. There was no proof of alleged debt just a text saying amount due, review and pay balance. I didn't know how to mail them because no mailing address was provided in the text and I am wary of clicking links from unknown numbers, so l replied to the text to provide written proof of validity of debt. They did not.

They continued to text. So I found their website and put in a do not call request in XX/XX/XXXX and also replied STOP to the text. They have not texted but they have called me 4 times since I requested to stop communication by calling on XX/XX/XXXX. This is clear violation of FDCPA. I called them back today XX/XX/XXXX to again request stop calling and to only contact me in writing but they refused to acknowledge they would contact me in writing. They also did not acknowledge I put in a request to stop calling even though I have proof I filled out the form to request stop calling. I have no idea what this debt is and want them to stop contacting me and stop all collection attempts and remove alleged debt or I will sue them in violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I am requesting a full review and refund of excessive overdraft fees charged to my Chase checking accounts ( ending in XXXX & XXXX ). 

Over the past XXXX months ( XX/XX/year> through XX/XX/year> ), Chase has charged my household an average of about {$2000.00} per month in overdraft fees, totaling roughly {$13000.00}. We were never notified that this was happeningno email alerts, calls, or online banking warnings. 

When we opened the account around XXXX years ago, we opted into overdraft coverage believing it would provide occasional flexibility, not recurring {$34.00} charges per transaction. We assumed Chase would contact us if fees became excessive. Instead, Chase continued processing small transactionssome as little as $ XXXX charging {$34.00} each time, dozens of times per month. 

This caused severe financial harm and should have triggered proactive communication from Chase. We feel this violates the spirit of Regulation XXXX ( XXXX CFR XXXX ), which requires clear disclosure and informed consent for overdraft coverage. 

We already spoke with a local branch XXXX, but the staff showed no compassion or willingness to help. We have now opted out of overdraft coverage permanently. 

I am requesting that Chase : XXXX my accounts for this period ; Refund or credit all overdraft fees charged ; and Provide written documentation of its notification and alert policies for recurring overdraft activity. 

I have attached my formal letter and screenshots showing the repeated overdraft charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: OH

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-14 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: OH

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: PA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am formally requesting the removal of this incorrect account from my credit report, as I never authorized its creation or use. Attached are the supporting documents for my 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 non-monetary relief
Consumer complaint received 2025-11-14 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 explanation