vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: AL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX for furnishing inaccurate, unverifiable, and misleading information about a charged-off auto loan account to TransUnion, XX/XX/XXXX, and possibly XX/XX/XXXX 

According to my recent credit reports : The account is listed as Closed and Charged-Off with a past due balance of {$5000.00}. 
The last payment was reported as XX/XX/year>, and the loan term was for XX/XX/XXXX months. 
The vehicle was voluntarily surrendered to XXXX XXXX, yet no follow-up documents were ever sent. 
XX/XX/XXXX remarks say : Merchandise was taken back by credit grantor ; there may be a balance due. This confirms repossession occurred, but no legal deficiency paperwork was provided. 
Despite multiple disputes and a request for validation, XXXX XXXX only sent the original loan contract. They did not send : An itemized bill of sale from the repossession auction A deficiency notice A breakdown of sale proceeds vs. alleged balance due A legally required IRS XXXX form if the debt was canceled or deemed uncollectible Additionally, in a previous CFPB response related to this account, XX/XX/XXXX XXXX stated that you will never be sued for the balance owed. This indicates the debt is no longer legally collectible, which supports the argument that a XXXX should have been issued and this account should not remain on my credit report as an outstanding charge-off. 



What laws do you believe were violated? 
FCRA 1681s-2 ( b ) : Reporting inaccurate or unverifiable information FCRA 611 ( a ) ( 7 ) : Failure to provide method of verification FDCPA 809 : No full debt validation after dispute XX/XX/XXXX Guidelines : Reporting a Charge-Off with no supporting repo documents and open balance IRS Form XXXX Requirement XXXX Failure to provide discharge notification FCRA 623 ( a ) ( 3 ) : Failure to update information after dispute.

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 2025-11-26 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: Solar Mosaic LLC
State: OR

Complaint narrative:
I am filing this complaint because Solar Mosaic ( Mosaic ) is refusing to cancel a solar loan for a project that was never installed, was canceled by the XXXX, and is now interfering with my home refinance. 

Timeline and Issue : I signed a solar loan agreement with Mosaic for an installation by XXXX XXXX. 

XXXX XXXX later canceled the entire project and confirmed that no installation would occur and that all funds were released/returned. 

Mosaic is stating they can not cancel the loan because they have not received funds from the XXXX, even though the XXXX confirms cancellation and fund return. 

This appears to be a result of Mosaics XXXX XXXX bankruptcy, where undisbursed funds and XXXX returns are being held or delayed in Mosaics bankruptcy servicing system. 

No installation was ever started, no equipment was delivered, and no milestones were met. 

Despite this, Mosaic is keeping the loan open and reporting it as an active obligation that is now blocking my mortgage refinance and causing financial harm. 

Contractual Right to Cancellation : Mosaics own loan agreement states under Section XX/XX/XXXX ( Termination ) that Mosaic may terminate the loan if the XXXX cancels the project, fails to proceed, or fails to complete installation. All of these conditions apply. 

Mosaic is refusing to take action or escalate the issue to their bankruptcy servicing department, despite multiple requests. Customer service continues to state they are waiting for the XXXX, even though the XXXX confirms that everything has already been canceled on their side. 

Harm : This unresolved and incorrect loan status is preventing me from moving forward with my refinance. Mosaics inaction and internal delays due to bankruptcy are causing direct financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Resurgent Capital Services and LVNV Funding LLC continued to contact me and attempted to collect a debt after I issued a written Cease & Desist notice. Under FDCPA 15 USC 1692c ( c ), all communication must stop except to confirm cessation or notify of legal action. Instead, they continued sending emails encouraging me to review my account, log in, or manage the alleged debt. These are illegal collection attempts under federal law. 

They also continued furnishing and reporting information to the credit bureaus during an active dispute and while in violation of the FDCPA, which violates FCRA 1681s-2 ( b ). Their actions caused emotional distress, time loss, and credit harm. 

I am requesting : XXXX. Enforcement of FDCPA and FCRA violations XXXX. Permanent deletion of this account from all credit bureaus XXXX. Written confirmation of deletion XXXX. Investigation into their unlawful collection activity XXXX. Monetary compensation for documented damages Supporting evidence is attached, including my Cease & Desist letter, post-cease emails, dispute letter, active reporting screenshot, and my invoice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
XXXX XXXX XXXX, pa XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX, PA XXXX Re : Obsolete Information Mandatory Deletion Under 15 U.S.C. 1681c ( a ) ( 2 ) Report Date : XXXX File/Reference Number : __________ To Whom It May Concern : I am writing to dispute an item on my credit report that violates the Fair Credit Reporting Act ( FCRA ). The following information is obsolete and must be deleted : Creditor / Agency / Court : navy federal credit union Case or Account Number : _________________________ Type of Item ( e.g., judgment, civil suit, arrest record ) : __________________ Date of Entry : _________________________________ According to 15 U.S.C. 1681c ( a ) ( 2 ), consumer reporting agencies are prohibited from reporting :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: GA

Complaint narrative:
I am submitting this letter to formally dispute and request the deletion of inaccurate and potentially unverifiable information appearing on my credit report. 

The following accounts and inquiries are reported inaccurately or contain conflicting information that can not be verified : XXXX XX/XX/XXXX XXXX Balance {$1000.00} XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX SXX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In or around XX/XX/year> I've filed a billing dispute with Capital One for {$140.00} associated with XX/XX/XXXX XXXX XXXX XXXX billed on XX/XX/year>. Around the time submitting the billing dispute I've provided the copies of my XXXX XXXX ending in XXXX clearly showing that I was doble charged ( paid by other means ). Additionally I've provided a copy of the Hotel bill clearly showing XXXX being used as a method of payment. After submitting this information I've called Capital One to confirm that the documents were received as I haven't received any communication. Since the temporary credit was issued, I was assured that investigation is ongoing. To my surprise later in XX/XX/year> I've received a letter from Capital One stating that they are closing the investigation as they haven't received any documents from me, which is factually incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I paypal credit account was opened under my name fradulantly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: KS

Complaint narrative:
CEASE AND DESIST COMMUNICATION LETTER XXXX XXXX XXXX XXXX Kansas XXXX Kansas XXXX XXXX XXXX XXXX Via Certified Mail, Return Receipt Requested Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX : Formal Demand to Cease and Desist Communication Account No. [ XXXX ] Dear Sir or Madam, This letter is a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), requiring you to CEASE AND DESIST ALL FURTHER COMMUNICATION with me concerning the debt referenced below. 
Original Creditor : XXXX Jefferson Capital Systems Account No. : XXXX JCS Reference # : XXXX XXXX XXXX : {$640.00} You recently sent me a letter, dated XX/XX/year>, which acknowledged my dispute and stated that you would cease collection activity and request that the consumer reporting agencies delete this account. 
This letter serves to formally reinforce that action and require the following : IMMEDIATE CESSATION OF ALL CONTACT : I demand that you immediately cease and desist all direct or indirect communication with me, my family, or my employer regarding the above-referenced account, including but not limited to, telephone calls, mail, email, and text messages. 
CREDIT REPORTING DELETION : I demand that you follow through immediately on your commitment to request deletion of this account from all consumer credit reporting agencies ( XXXX XXXX XXXX XXXX  ) and provide written confirmation to me when this deletion has been completed. 
NO CONTACT EXCEPT AS ALLOWED BY LAW : You may only contact me one last time to advise me that collection efforts are being terminated or that you intend to pursue a specific legal remedy, as explicitly permitted under 15 U.S.C. 1692c ( c ). 
Be advised that any violation of this cease and desist demand will be reported immediately to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the Attorney General of my state. 
I expect full and immediate compliance with this notice. 
Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: KS

Complaint narrative:
I am submitting this second-round complaint because TransUnion continues XXXX report inaccurate and unauthorized information on my credit report despite my prior dispute. Previous submissions have been ignored or inadequately addressed. Immediate corrective action is required. 

Disputed Accounts Charge-Off Account Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Closed ) Issue : I did not open or authorize this account. Its continued reporting is false, harmful, and in violation of federal law. 

Collection Account Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> ( Closed ) Issue : I do not recognize or authorize this account. Reporting without verification violates federal law and harms my credit. 

Legal Basis for Complaint 15 U.S.C. 1681i TransUnion is legally required to investigate disputes and delete unverifiable or inaccurate information.

15 U.S.C. 1681e ( b ) Must maintain maximum possible accuracy in all credit reporting.

15 U.S.C. 1681s-2 Furnishers must not report information they know or should know is inaccurate.

15 U.S.C. 1681g Consumers have the right to access and verify all information in their credit file.

15 U.S.C. 1681b ( f ) No permissible purpose exists for reporting these accounts without authorization.

15 U.S.C. 1692g ( FDCPA ) Debt collectors must provide validation of debts upon request.

Requested Action Immediately reinvestigate and remove the disputed accounts if they can not be verified with original documentation.

Ensure these accounts can not be reinserted without proper verification per FCRA 1681i ( a ) ( 5 ).

Provide written confirmation of deletion and detailed steps taken. 

Deliver an updated credit report reflecting the corrections. 

Note : This is my second submission. Previous disputes have not resolved the inaccuracies. The continued reporting is illegal and must be corrected without further delay.

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 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery Associates is reporting a debt on my credit report without providing proper validation. I disputed this account with XXXX on XX/XX/year>. Experian marked the account as verified, but no documentation was provided to me. 

I requested full validation from Portfolio Recovery, including : Proof they own the debt The original signed contract Complete account history and itemization Chain of assignment Documentation used to verify the account with Experian Portfolio Recovery did NOT provide any of this information. This is a violation of : FDCPA 809 ( b ) ( failure to validate debt upon request ) FCRA 611 ( improper verification by Experian ) FCRA 623 ( furnishing inaccurate or unverifiable information ) Despite having no documentation, Portfolio Recovery continues to report the account to Experian and Experian continues to report it as verified. This is misleading and inaccurate. 

I am requesting that CFPB require Portfolio Recovery to provide full validation or remove the account from all credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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:
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 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 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I sent a letter to verify this debt and now its being reported on my credit by another company today

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 2025-11-26 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: MA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: NV

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-11-26 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am formally disputing the accuracy, completeness, and legality of the account being reported under Resurgent Capital Services/ LVNV Funding LLC. This account contains material inaccuracies, illegal re-aging indicators, and contradictory furnished data across all three credit bureaus.Major Issues Identified : Three different removal dates ( XX/XX/year>, XXXX 2027, XX/XX/year> ) Incorrect account classification ( Factoring vs. Debt Buyer ) Inconsistent account numbers Repeated CO codes years after charge-off ( illegal re-aging ) Conflicting balance and past due reporting These issues violate FCRA 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ), and 623 ( a ) ( 5 ).

Company response to consumer: Closed with explanation