vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/year> Southwest Credit Systems XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX Subject : Request for Debt Validation Account Number : [ XXXX ] To Whom It May Concern, I am writing in response to a communication I received from your company regarding an alleged debt. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Pursuant to the FDCPA, please provide the following : 1. The amount of the alleged debt, including a breakdown of fees, interest, or other charges ; 2. The name and address of the original creditor ; 3. A copy of any judgment, contract, or agreement that you claim supports your right to collect this debt ; 4. Verification that you are licensed to collect debts in [ Your State ], including your license number and the name of the licensing authority ; 5. The chain of title or documentation showing that you have the authority to collect on this debt.

Please cease all collection activity, including reporting this debt to credit bureaus, until you provide the requested validation. Be aware that any further attempts to collect this debt without providing proper verification may be a violation of the FDCPA.

This letter is not a refusal to pay, but a request that your office provide evidence that I am legally obligated to pay you. If you can not provide the requested documentation, you must cease collection efforts and remove any negative credit reporting related to this account. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-26 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: GA

Complaint narrative:
This complaint is about an inaccurate account listed on my consumer report dated XX/XX/year>. This information is factually incorrect, and I am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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 2025-05-27 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: CA

Complaint narrative:
I filed a complaint for a second time on XX/XX/XXXX and received a decision the XXXX denying my dispute a second time stating " it lacks all of the previously requested information needed to validate your dispute ''. The letter stated " send us ( any ) of the following supporting documentation : A copy of your sales invoice or purchase agreement/contract, including evidence to support how the merchandise you ordered is different than what you received. 
A statement that includes the number of times the merchant tried correcting the problem, including a description of how you tried to resolve the dispute with the merchant. 
For installed parts that were returned, the date and proof of return, or the date they were made available for pick-up. 
A refund voucher or other documentation ( if you received any ) supporting your claim that a credit is due to your Capital One account. '' I submitted substancial evidence of screenshots between the seller and I meeting to return her the item. I submitted proof of attemps of contacting to get a reciept but only heard from her recently. In the voicemail she stated she told my credit the item was returned and falsley lied how the item was returned and how she did not get her money back. Therefore, I stated in my letter the reason why I was not able to get a reciept is due to her dishonesty and lack of communication. I have submitted messages how the item was not an honest sell within the messages and she only then stated her store policy in the messages. I submitter proof with dates how many times I attempted to call seller. I showed messages of seller and I meeting to return the item. 
I dont think my credit is investigating thoroughly. If they did call the seller and she admitted the return of the dress, why is that being taken into evidence? I even sent screenshot of her voicemail stating the item returned. I explained how I feel uncomfortable asking her for a reciept as her dishonest behavior of how I returned the item is just distressing. I returned the dress. Why im I being punished for not getting a reciept from a dishonest seller who somd me a {$300.00} not in good condition which I explained the flaws in the messages as well to the seller making it clear she should have disclosed the flaws before selling. I am very dissapointed with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-27 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have had almost every single transaction I have made through Venmo blocked and denied even though there are adequate funds for the transactions. I have asked Venmo on multiple occasions and multiple different methods why almost all of my financial transactions are being blocked. Their answer ranges from I dont know- the system just does to we need more financial accounts from you to accommodate the request to youre transactions are a security risk with zero explanation as to what security risk I am. Venmo is arbitrarily denying financial transactions with zero basis to compel consumers to provide them with more personal account 's. Further, as a financial institution they are providing zero written communication as to why American consumers are being denied financial transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed the XXXX XXXX XXXX collection account ( Account # XXXX ) on my Experian credit report multiple times. Each time, I submitted a formal written dispute letter, including legal citations under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. These letters were carefully prepared with legal support, and drafted with professional assistance to ensure all relevant issues were addressed. 

Despite these repeated disputes, Experian has continued to report this account without providing any supporting documentation, such as a signed agreement, billing records, or itemized breakdown. Additionally, the account is missing a Date of First Delinquency ( DOFD ), which is required under FCRA 623 ( a ) ( 5 ) to determine how long a collection may remain on file.

Experian 's continued reporting of an unverified collection after being notified multiple times through formal disputes violates FCRA 1681e ( b ) ( accuracy ), 1681i ( a ) ( reasonable reinvestigation ), and the Consumer Financial Protection Act, 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). This conduct also directly reflects the kind of failure addressed in the CFPBs Administrative Proceeding File 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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
These Hard inquiries don't belong to me, hasn't being authorized by me. 9. XXXX XXXX XXXX, 10. XXXX XXXX XXXX, 11. XXXX XXXX XXXX, 12. XXXX XXXXXXXX XXXX, 13. XXXX XXXXXXXX XXXX, 14. XXXX XXXXXXXX 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 2025-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing to formally request validation of debt reference above.Pursusnt to my rights under 15 U S Code 2692g of the Fair Debt Collection Practices Act ( FDCPA ). 
1.Forward Flow Agreement - A copy of the forward flow agreement between the original creditor and third party. Including your agency that outlined the terms and conditions under which debts are sold or assigned. 
2.Purchase Agreement -A copy of the purchase agreement that details the terms of the sale or transfer of the debt from the original creditor to the current creditor or debt collector. 
3.Assignment of Contract - A copy of the assignment of contract or any other documents that legally transfer the rights to collect the debt from the original creditor to your agency. 
4.Documentation of any insurance claims - that may have been filed, paid out or collected in relation to this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: WI

Complaint narrative:
I have an account reporting 30 days late. This account has never been late. All payments have been made on time. Credit reporting agencies must report all accounts 100 % accurate. this Transunion account has never been late. Case and point, XXXX is reporting this account correctly. As paid on time never late. date 's XX/XX/year> is reporting inaccurate information with Transunion.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX. Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c2 ) This section protects identity theft victims. It gives them the right to block fraudulent information from their credit reports. 

Key Provisions of FCRA Section 605B : If a consumer identifies information on their credit report as resulting from identity theft, they can request a block of that information. 
The credit reporting agency must block the information within XXXX business days of receiving : XXXX. Proof of identity XXXX. A copy of an identity theft report ( typically a police report or FTC affidavit ) XXXX. The disputed information XXXX. A statement from the consumer that the info is not related to any transaction by them The agency can refuse or rescind the block if : The consumer made a material misrepresentation The consumer received a benefit from the transaction The request was made in error or fraudulently

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 2025-05-27 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and XXXX XXXX for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and XXXX XXXX for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Servicer under contract with Federal Student Aid
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TN XXXX Email address : XXXX Cell number ( XXXX ) XXXX XXXX XX/XX/year> SS # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TN XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX, TN XXXX XXXX time, the following universities and colleges took out student loans. A payment plan was set up to make monthly payments. I was making payments to at least XXXX different loan companies. I did my research and learned about student loan consolidation. I found a company that accepted my student loan consolidation. This made my life easy and less stressful. 

My main complaint after all my student loans were consolidated. The loan companies sold my information to other loan companies. I have a list of loan companies on my credit report, I feel like it is unnecessary. These accounts have been closed, and my credit report has many pages with closed student loan information. 
* Dept of XXXX XXXX XXXX XXXX Dept of XXXX XXXX * XXXX * XXXX XXXX I am currently with XXXX I XXXX attach documents that support my account. The student loan on my credit report is not the correct total amount. Requesting extra student loans that do not benefit my credit report. 

Thanks for your time and support XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-05-27 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: SC

Complaint narrative:
I recently review a copy of my report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit and acquire a home loan.

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 2025-05-27 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: TN

Complaint narrative:
It has come to my attention my personal information has been exposed in a XXXX XXXX  breach. After reviewing my credit reports Ive noticed some accounts I am unfamiliar with. I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC report, The XXXX showing my information has been exposed in a XXXX XXXX  breach and a validation of debt Letter.

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 2025-05-27 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation