vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I am disputing the listed account on my credit report due to a lack of validation and proof regarding the debt. The original creditor has failed to provide adequate documentation verifying this account belongs to me and that the information you are reporting is accurate.

Account # : LVNV FUNDING LLC # XXXX As stated in Section 609 ( a ) ( 4 ) of the Fair Credit Reporting Act, in the event a consumer disputes the accuracy or completeness of information in their credit file, consumer reporting agencies are required, " to promptly provide notification of dispute to the furnisher of information ''. Therefore, I formally request that you immediately notify the information furnisher of my dispute regarding this fraudulent account.

Additionally, pursuant to Section 611 and Section 623 of the Fair Credit Reporting Act, as a furnisher of information to consumer reporting agencies, the listed creditor has a duty to fully investigate disputes initiated by a consumer after receiving notice from the CRA.

I further demand that the furnisher send me hard-copy documentation validating this debt. This includes, but is not limited to : The original account application Terms & conditions I agreed to Proof this account was properly assigned to collections If adequate validation is not provided by [ XX/XX/year> ], I demand this unauthorized account be completely removed from my credit report. 

You can send the response with account validation to me via email or postal mail. If you have questions or need additional information, please contact me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX  Attn : Credit Reporting/Dispute Department XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Re : Formal Dispute Account # XXXX This letter serves as a formal dispute and demand for immediate removal of the above-referenced account from all consumer reporting agencies.

The account contains wrong dates and amounts are not accurate and is being reported as a repossession despite the fact that no courthouse has ever reported a repossession. This information is false, misleading, and unverified.

Your actions violate federal law, including :
15 U.S. Code 1692c You are prohibited from continued communication on a disputed debt without proper validation.

15 U.S. Code 1692g You are required to provide proper validation of this debt within 30 days of notice. No such validation has been provided.

15 U.S. Code 1681b ( a ) ( 2 ) You may not furnish or use a consumer report without a permissible purpose. Reporting inaccurate, unverified data constitutes a direct violation. 

DEMAND FOR ACTION I hereby demand that XXXX XXXX XXXX XXXX : 1. Immediately remove this account from Experian, Equifax, and TransUnion within 15 days of receipt of this letter.

2. Provide written confirmation that the account has been permanently deleted.

3. If you claim this account is valid, provide all original documentation with my signature and official court records that substantiate your claim.

If you fail to comply, I will have no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for your willful violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

This is my final notice. You have 15 days to comply. 

Sincerely, [ XXXX XXXX ] [ XX/XX/year> ] [ 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 2025-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Hello this is the message I Sent to Paypal I am disputing the recent {$1000.00} chargeback that placed my account into a negative balance. The buyer used Friends & Family, not Goods & Services, which means this was not a purchase but a voluntary transfer. He is now falsely claiming the payment was unauthorized. 

I am requesting that PayPal review the transaction details, specifically : Device ID, IP address, and login information used to send the payment. 
Account history showing that the payment came directly from the buyers account. 

If the payment originated from the buyers usual device or location, that is proof the transaction was authorized. He willingly sent the funds and is abusing the chargeback process to commit fraud against me. 

I respectfully ask PayPal to remove the negative balance from my account, as I should not be held liable for another users false claim. I also request this case be escalated to your executive support team for higher-level review. 

Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: DE

Complaint narrative:
Recently I looked at a copy of my credit report and notices several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX Account # XXXX * * * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: DE

Complaint narrative:
Recently I looked at a copy of my credit report and notices several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX Account # 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 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Starting XX/XX/year> and extending into XX/XX/year>, I charged XXXX  tournament fees during the XXXX in XXXX XXXX to my XXXX  Credit Card. These were charges made in XXXX XXXX  and in XXXX XXXX. It was done by XXXX, which is a XXXX property. Ironically my XXXX Credit card is also a XXXX XXXX XXXX XXXX. They charges me 3 % foreign currency fee. This is unbelievable. 

Let me re-iterate ; I made transactions in XXXX XXXX XXXX XXXX XXXX ( in XXXX XXXX ) and I was charges foreign Currency Fee. These fees amounted to over {$500.00} as there were many events that I charged to the credit. 

I contacted the credit company and my call escalated to a manage that identified himself as XXXX XXXX. He stated that they do not provide last names and the XXXX is adequate to identify him. He was shocked by the charge and drafted a letter / appeal and stated that everything is clear and was optimistic it will be returned. This was on XX/XX/XXXX at XXXX and the call was about 45-minutes. 

I then received a letter from the XXXX company on XX/XX/year> and they have found the fee valid. No explanation how on XXXX soil and in XXXX XXXX  there is exchange fee?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: West Capital Lending, Inc.
State: AR

Complaint narrative:
On XXXX user XXXX XXXX XXXX XXXXXXXX is advertising that they are the " only '' company with the ability to offer a fixed rate on a HELOC which is blatenly false. I am an XXXX and we offer a fixed rate HELOC through 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 2025-09-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENOVA INTERNATIONAL, INC.
State: UT

Complaint narrative:
XXXXI (Claimant) Specifically requested proof of a debt in a 'verification of debt' letter sent via USPS Certified Mail Number: XXXX XXXX XXXX XXXX XXXX, to original alleged creditor.\nOriginal alleged creditor ignored Claimant's letter Dated: XXXX XXXX XXXX, and continued to send allegation of a debt to Claimant, after which original alleged creditor sold alleged debt to XXXX, who hired an Attorney who continued to harass Claimant and refuse to answer specific requests for proof of an obligation, eventually bringing forth a lawsuit against Claimant, damaging Claimant's credit."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: FL

Complaint narrative:
FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief.

CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts.

Account name : XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Account name : XXXX  Date opened : XX/XX/XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX  as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.

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 2025-09-28 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:
FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief.

CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts.

Account name : XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Account name : XXXX  Date opened : XX/XX/XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX  as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: CA

Complaint narrative:
I am writing to notify you that you are reporting inaccurate and incomplete information in my credit report. I demand an immediate investigation to resolve these inaccuracies, or you must DELETE them from my credit file. 

PART ONE : PERSONAL INFORMATION Update my personal information as follows : Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Correct Name : XXXX XXXX XXXX XXXX Correct SSN : XXXX Correct Date of Birth : XX/XX/XXXX I do not authorize the reporting of any telephone numbers on my report. Please DELETE all other addresses that are not deliverable by the U.S. Post Office, as they are inaccurate and not legally reportable under the FCRA. 

Incorrect Names to DELETE : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Incorrect Addresses to DELETE : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Incorrect Employer to DELETE : XXXX XXXX PART TWO : UNAUTHORIZED CREDIT INQUIRIES I did not authorize the inquiries listed below. These violate FCRA Section 1681b ( c ) and represent a willful breach of my privacy rights. You are required to provide copies of documentation with my signature authorizing these inquiries. If you can not provide proof, DELETE these inquiries immediately. 

Unauthorized Inquiries to DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX PART THREE : INACCURATE ACCOUNTS According to FCRA Section 609 ( a ) ( 1 ) ( A ), you are required to verify accounts by providing physical proof of the original signed contract. Failure to produce original documentation renders these accounts unverifiable and they must be DELETED from my report immediately. 

Accounts to VERIFY or DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your continued reporting of inaccurate, unverifiable, or duplicate information is willful non-compliance with FCRA Sections 602, 603, 609, 611, and 623, as well as violations of Metro 2 reporting standards . If you can not provide complete verification with original documentation, you must permanently DELETE these accounts and inquiries from my report.

All letters you receive bearing my name are prepared by me or my authorized advisors with my full consent. No provision of the FCRA requires a Power of Attorney for my dispute to be valid. Any attempt to delay or refuse processing will be treated as further willful violation. 

I expect your compliance within 30 days.

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 2025-09-28 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: CA

Complaint narrative:
I am writing to notify you that you are reporting inaccurate and incomplete information in my credit report. I demand an immediate investigation to resolve these inaccuracies, or you must DELETE them from my credit file. 

PART ONE : PERSONAL INFORMATION Update my personal information as follows : Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Correct Name : XXXX XXXX XXXX XXXX Correct SSN : XXXX Correct Date of Birth : XX/XX/XXXX I do not authorize the reporting of any telephone numbers on my report. Please DELETE all other addresses that are not deliverable by the U.S. Post Office, as they are inaccurate and not legally reportable under the FCRA. 

Incorrect Names to DELETE : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Incorrect Addresses to DELETE : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Incorrect Employer to DELETE : XXXX XXXX PART TWO : UNAUTHORIZED CREDIT INQUIRIES I did not authorize the inquiries listed below. These violate FCRA Section 1681b ( c ) and represent a willful breach of my privacy rights. You are required to provide copies of documentation with my signature authorizing these inquiries. If you can not provide proof, DELETE these inquiries immediately. 

Unauthorized Inquiries to DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX PART THREE : INACCURATE ACCOUNTS According to FCRA Section 609 ( a ) ( 1 ) ( A ), you are required to verify accounts by providing physical proof of the original signed contract. Failure to produce original documentation renders these accounts unverifiable and they must be DELETED from my report immediately. 

Accounts to VERIFY or DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your continued reporting of inaccurate, unverifiable, or duplicate information is willful non-compliance with FCRA Sections 602, 603, 609, 611, and 623, as well as violations of Metro 2 reporting standards . If you can not provide complete verification with original documentation, you must permanently DELETE these accounts and inquiries from my report.

All letters you receive bearing my name are prepared by me or my authorized advisors with my full consent. No provision of the FCRA requires a Power of Attorney for my dispute to be valid. Any attempt to delay or refuse processing will be treated as further willful violation. 

I expect your compliance within 30 days.

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 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief.

CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts.

Account name : XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Account name : XXXX  Date opened : XX/XX/XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX  as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.

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