vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX WA, ZIP  XXXX Re : Cease and Desist & Notice of Violations Alleged Debt Reporting and Communications Account Number/Reference : XXXX Credit Bureau XXXX XXXX ) Affected : XXXX  / XXXX / XXXX Dear XXXX To Whom It May Concern '' This letter is a formal demand under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ) to cease and desist all communications with me regarding the alleged debt referenced above. You are further advised that the reporting of this debt to one or more consumer reporting agencies has triggered multiple concerns regarding compliance with federal law. 

FDCPA Violations : 15 U.S.C. 1692c ( c ) : Despite no prior consent or legitimate basis, you or your agents have continued to contact me without authorization. This letter serves as my formal demand that you cease all further communications immediately.

15 U.S.C. 1692e ( 8 ) : You have communicated or threatened to communicate false, inaccurate, or unverifiable information to credit reporting agencies. If you reported this debt without proper validation, you are in violation of this section, which prohibits the false representation of the character, amount, or legal status of any debt.

15 U.S.C. 1692g ( b ) : If I have not received a proper written validation notice within 5 days of your initial contact, your reporting to the credit bureaus is unlawful. If I did request validation and you continued collection or credit reporting activity before providing verification, that is a direct violation.

FCRA Consideration ( 15 U.S.C. 1681s-2 ) : Your agency, by furnishing information to consumer reporting agencies, may also be in violation of the Fair Credit Reporting Act if the information youve reported is inaccurate, unverifiable, or disputed without reinvestigation. If you failed to investigate or correct disputed information after being notified by the credit bureau, you may also be liable under this law.

You are hereby instructed to : Cease all further communication with me, including calls, letters, or emails, in compliance with 15 U.S.C. 1692c ( c ) ; Immediately remove any unverified or inaccurate information you have reported to any consumer reporting agency ; Refrain from any further action until you provide full validation of the alleged debt, including the name of the original creditor, the amount owed, and documentation bearing my signature ( if applicable ).

Failure to comply will result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my states Attorney Generals Office, and consideration of private legal action for damages under both the FDCPA and FCRA. 

This is your final warning. I will retain all future correspondence as evidence. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I had balance on XXXX store card in XXXX. It was about ~ {$20.00}. It's during COVID and I was so stressful and I had late payment for that amount. After realized I had late payment, I have contacted and bank to pay in full and try to remove the late payments on my credit history without any success. I contacted Experian and it did not get fixed. I understand there are policies to protect consumer during XXXX on late payment. Also, it's very small amount ( ~ {$20.00} ) and it should not have haunted me in the last XXXX years.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This company have updated late payments 3 times which have deemed them as unfair credit reporting under the unfair credit reporting Act. also i Requested XXXX and they have not giving me those documents.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This company have updated late payments 3 times which have deemed them as unfair credit reporting under the unfair credit reporting Act. also i Requested XXXX and they have not giving me those documents.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This company have updated late payments 3 times which have deemed them as unfair credit reporting under the unfair credit reporting Act. also i Requested XXXX and they have not giving me those documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: LEXISNEXIS
State: UT

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
I am filing this complaint because an account originally held by XXXX XXXX XXXX was sold or transferred to Credence Resource Management without my knowledge or consent. I was never notified of the sale, and I did not authorize my personal or account information to be shared with a third-party collection agency. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to privacy and proper notice when their information is being shared or sold. I believe my information was shared unlawfully and without proper disclosure, violating my rights under the FCRA. 

Although the account may reflect accurate balances or dates, the issue is that the transfer and data sharing were unauthorized, and I was not given an opportunity to resolve the debt directly with XXXX XXXX XXXX before it was sold. This situation is now negatively affecting my credit, and I was not provided a fair chance to respond. 

I am requesting that the CFPB investigate the matter, and that this account be properly disputed or removed if XXXX XXXX XXXX or Credence Resource Management can not provide proof that I was legally notified and that my information was shared with authorization and in compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint against LVNV Funding LLC for reporting a {$650.00} collections account on my credit report without proper debt validation and for falsely identifying themselves as the original creditor. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I exercised my right to request written validation of the alleged debt within 30 days of their initial contact. To date, LVNV and their servicing agent Resurgent Capital Services have failed to provide any documentation verifying the debt or their authority to collect it. Despite this, they continue to report the account to the credit bureaus. 

Furthermore, they have inaccurately listed themselves as the original creditor, which is misleading and deceptive under both the FDCPA and the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2 ( a ). LVNV is a debt buyernot the original lenderand is not permitted to misrepresent their role.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
The online game platform XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX recently removed a massive amount of content from their storefronts. Both platforms have put out official statements stating they were strongarmed into purging their contents by payment processors, including XXXX ( specifically mentioned by name in XXXX XXXX release )XXXX XXXX  ( specifically mentioned by name in XXXX XXXX release ), XXXX, PayPal, and XXXX, via threats of refusing to allow access to their services. As none of the content removed violated any law, this act represents nothing but an act of censorship by private companies. 

Immediately after the initial content purge, XXXX XXXX, an XXXX organization with a history of XXXX XXXX including efforts to get popular, highly mainstream titles like XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX banned from sale on false pretenses, took credit for pressuring the processors into the decision, claiming to have emailed XXXX XXXX times. If this is true, it means these large companies have " buckled '' under comparatively little pressure from foreign interests - and, given that they have refused to reverse their decision in the face of vastly larger scale public backlash, are desperately clinging to said foreign interests against both reasoned arguments and far more widespread domestic sentiment. If XXXX XXXX is not responsible, that would make the processors ' actions even less motivated. 

Of the named payment processors, XXXX XXXX XXXX XXXX have released official statements. In them, XXXX and XXXX both deny removing content ( directly contradicting official statements from the affected platforms ), while simultaneously gesturing at " following the law '' without naming any specific illegal products or actions. This is because, as stated earlier, none of the content affected by their actions is illegalXXXX XXXX, meanwhile, claims they are unable to support mature content due to " restrictions placed on them by banking partners ''. Multiple people, myself included, have contacted the banks in question and been told that no such restrictions exist. 

In conclusion, payment processors have been using their power to threaten other private companies into altering their business without any legal justification, and every processor to have made any sort of statement on the matter has lied about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: FL

Complaint narrative:
I reviewed my credit report and found that there is a negative payment status being reported by XXXX XXXX for a billing period in XX/XX/XXXX. However, I have records confirming that the payment was made on time, and this late mark is inaccurate. Additionally, there are numerous hard inquiries on my report from companies including XXXX XXXXXXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX on XX/XX/XXXX, and multiple entries from XXXX XXXX and XXXX XXXX XXXX XXXX throughout XXXX. I did not authorize or initiate many of these inquiries, and they continue to appear even after previous disputes. The presence of these inaccuracies is damaging my credit score and affecting my financial opportunities. Ive submitted disputes in the past, yet these issues remain unresolved, which is unacceptable at this point. I am now requesting a full reinvestigation into the negative XXXX payment and the unauthorized inquiries to ensure my credit file reflects only verified and 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 non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, IL, XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, IL, XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Previous DOB : Incorrect DOB - 1993 - The following personal information is incorrect - The personal data reporting is inaccurate.

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 2025-08-02 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: PA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had an late payments on an account that i was in fact paid on time. The consumer reporting agency need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following date XX/XX/2022 I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for youre understanding

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: PA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had an late payments on an account that i was in fact paid on time. The consumer reporting agency need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following date XX/XX/2022 I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for youre understanding

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This company has XXXX XXXX XXXX as a collection on my account claiming I owe them when I clearly showed how the payment was made to peoples gas directly. I requested over XXXX  days ago to have this removed from my account. It is causing damage. At this point it becomes fraud to continue to report incorrect information on my report each month

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 2025-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: UT

Complaint narrative:
In XX/XX/year>, I scheduled a full payment of my Nelnet student loan for {$3500.00}. Nelnet sent me a confirmation email stating that the payment had been received and that no further action was required. I reasonably believed the payment had gone through. 

In XXXX, I noticed what I thought was an outstanding balance remaining, so I scheduled an additional payment of {$250.00}. I did this because I had no reason to believe my XXXX payment failed I never received any alert, error, or notice from Nelnet. Again, I received a confirmation email stating that the {$250.00} payment was received and no further action was needed. 

In XXXX, I finally realized that neither payment had actually gone through, due to an error with the payment method I had entered. As soon as I found out, I corrected the issue and paid the entire loan in full. 

Despite this, my credit report now shows XXXX late payments. These marks have dropped my credit score by over XXXX points. Ive submitted disputes to the credit bureaus with my confirmation emails, but the disputes were denied without addressing the underlying issue. 

Im requesting a formal review and removal of the negative marks. I acted in good faith, was misled by Nelnets confirmations, and paid in full as soon as I discovered the issue. I was never informed by Nelnet that my payments failed only confirmation emails were sent. I believe this situation deserves reconsideration due to the misleading communications and my quick resolution of the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: CITIBANK, N.A.
State: NC

Complaint narrative:
Dispute of Unauthorized Inquiry THD/CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : THD/CBNA Subject : Factual Dispute of Unauthorized Hard Inquiry Reported XX/XX/XXXX Dear THD/CBNA Dispute Department, I am writing to dispute a hard inquiry that your organization placed on my credit report. I did not authorize or initiate any application for credit with your company. Under the Fair Credit Reporting Act ( FCRA ) 1681b, such an inquiry requires my explicit written permission or a demonstrable permissible purpose. 
- Creditor : THD/CBNA - Inquiry Date : XX/XX/XXXX This dispute is submitted under the Factual Dispute Method , referencing XXXX XXXX Format and XXXX compliance. If you can not produce documentation validating this inquiry, I request that you immediately instruct all consumer reporting agencies ( XXXX XXXX XXXX XXXX XXXX to remove this inquiry. 
Ive enclosed a copy of my government-issued identification and proof of address for verification. Please respond in writing with confirmation of the results of your investigation. If you fail to respond or remove the unauthorized inquiry, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, or other applicable regulators. 
Sincerely, 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 2025-08-02 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:
SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Formal Dispute of Fraudulent Accounts Under the Fair Credit Reporting Act ( FCRA ) Dear Disputes Department, I am writing to dispute multiple fraudulent and unauthorized accounts that are being inaccurately reported on my credit files across Equifax, Experian, and TransUnion. I have never opened, authorized, or had any legitimate association with the accounts listed below. These entries appear to be the result of identity theft or misreporting and are causing serious harm to my credit profile. 

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I formally request that you initiate a reinvestigation into these accounts. If the creditors can not provide full documentation verifying my identity and responsibility for the debts, you are required to delete these accounts immediately. 

The disputed accounts are : XXXX XXXX Associates Account XXXX. : XXXX I have no connection to this account. It is not mine and was never authorized. 
XXXX XXXX XXXX Account XXXX. : XXXX This account is fraudulent and was opened without my knowledge or consent. 
XXXX XXXX  XXXX Account XXXX. : XXXX Unauthorized and inaccurate. I never initiated this account. 
XXXX XXXX Account XXXX. : XXXX XXXX Both accounts are unauthorized and must be removed. 
XXXX I have no XXXX with this creditor and never applied for or opened this account. 
XXXX XXXX XXXX This account was fraudulently added to my report. I have no knowledge of or agreement with this creditor. 

These accounts are inaccurate, unauthorized, and damaging to my credit. I request written confirmation of the results of your reinvestigation within 30 days, as required under the FCRA. If any of the disputed information is verified, please provide a complete copy of the original documentation, such as signed contracts or applications. 

Failure to remove unverifiable or fraudulent data may result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and State Attorney Generals Office. 

Thank you for your prompt attention and compliance with federal law. 

Sincerely, 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