vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I use my paypal account for a friend to receive money from client out of town For work they wanted done on property 's they own in the XXXX area i was paid {$500.00} to give there contractor the money they were not satisfied with the work so they use PayPals policies to defraud me and get back {$3700.00} I told them I did no work for you I owe you nothing they said we know u did no work for us but u received the money from us though your PayPal account to pay are contractor so that makes me responsible for their money that's theft by deception it should of been small claims against the contractor they admitted I did not work for them and now I'm fighting with paypal and they sent the {$3700.00} to collection and my paypal account is locked my question is paypal above the law and paypal knows these facts and still gave them the money back after admitted I did no work for them. On their messaging platform it's documented

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
l 've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit Health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: Absolute Resolutions Corp.
State: NV

Complaint narrative:
l 've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit Health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: Harris & Harris, Ltd.
State: TX

Complaint narrative:
RE : Cease and Desist Notice & Debt Validation Request Account # XXXX ( Original Creditor : XXXX  ) To Whom It May Concern : This letter serves as a formal notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), demanding that you cease all communication with me regarding the above-referenced alleged debt. Under this law : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication the debt collector shall not communicate further with the consumer with respect to such debt You are hereby instructed to immediately cease all telephone calls, mailings, emails, texts, or any other communication directed to me regarding this alleged debt. 

Additionally, under 15 U.S. Code 1692g ( b ), I am exercising my right to dispute this debt and request validation. Please provide all of the following : XXXX. The amount of the alleged debt ; XXXX. The name and address of the original creditor ( XXXX  ) ; XXXX. A copy of the original contract or agreement bearing my signature ; XXXX. Documentation that you are legally authorized to collect this debt ; XXXX. A full account history including the date of default and an itemized breakdown ; XXXX. The current owner of the debt ; XXXX. Evidence that you are reporting this information accurately, in compliance with 15 U.S. Code 1681s-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 

Until you provide this documentation, you must immediately cease all collection activity, including any updates or reporting to the credit bureaus. 

If you continue to contact me or fail to properly validate this debt, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and I will consider taking civil legal action under 15 U.S. Code 1692k for statutory damages, attorneys fees, and costs. 

Please send written confirmation that all collection efforts and communications have ceased, and that this account has been removed from my credit reports within 30 days of receipt of this letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MA

Complaint narrative:
I ask that my dispute concerning a transaction of {$1200.00} in total, the first time {$310.00} on XXXX XXXX and {$900.00} one the XXXX XXXX sent via the chime to XXXX XXXX is reopened and degenerated. This transaction is the result of fraud / scam, where I was handled and in a hurry to send money by someone who contacted me constantly, even after being blocked. This person called me several times from different phone numbers and forced me to send the money. He wanted me to send XXXX for him which I refused, and he make me send the XXXX XXXX because he make me think that he will pay me back by cash app and show me his screen where he sending it, so that why I send the XXXXXXXX XXXX but the money never arrive in my account, so I realized that was a fake cash app, he still called after that and wanted me to send more but I realize now that it was a scam. After sending the {$1200.00}, they tried to get more money from me, which I refused. I provide this declaration as part of an official review of review. I Have the number he called me, his instagram where he pretend doing business, text messages, screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with Professional Debt, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have been contacted numerous times from Midland Credit Management. I was not sure if this company works directly with XXXX Bank or not. 

Today XX/XX/year>, I was using the chat feature to try and set up a plan and feel I was harassed because I was not able to make a payment today. This is the message sent to me- Midland- XXXX am required to state that, our intention is to send this to an attorney in your area to review a potential lawsuit if we can not come to an agreement. 

I can provide screenshots.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: TN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase withheld part of my bonus for my business checking account. They provided a confusing explanation about a " CP notice '' with relation to the IRS. The IRS has not requested backup withholding regrading any of my income. The IRS could not have requested my income be withheld. I have complained about this to Chase and their explanations do not make sense. Someone from their executive team called and left a message. I called and back and left a message. I never heard back from the team.

Some of their agents have asked that I send them a statement from the IRS stating I am not subject to backup withholding. I called the IRS and this is not something they do. I can not prove a negative. The burden is on Chase to prove that the IRS requested backup withholding on my account, and Chase can't is because the IRS hasn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: OH

Complaint narrative:
Late payment was marked on my credit report, which is false and it caused me various different things that were detrimental. XXXX XXXX  XXXX  reported this late payment when it says planning that the insurance I was covered and this late payment shouldve never been applied to any type of credit report As a result of your negligent and/or willful reporting of false information, I am demanding {$25000.00} in compensation for : Defamation of character and credit worthiness Emotional distress and mental anguish Denial of credit, higher interest rates, and financial losses FCRA statutory and punitive damages If this matter is not resolved to my satisfaction within 15 calendar days, I will file a lawsuit in state or federal court, seek maximum damages, and submit formal complaints to the Consumer Financial Protection Bureau ( CFPB ), FTC, and state attorney general.

This letter constitutes notice of dispute under the FCRA. Continued failure to correct this error will be interpreted as willful noncompliance and handled accordingly.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
Late payment was marked on my credit report, which is false and it caused me various different things that were detrimental. One main financial reported this late payment when it says planning that the insurance I was covered and this late payment shouldve never been applied to any type of credit report As a result of your negligent and/or willful reporting of false information, I am demanding {$25000.00} in compensation for : Defamation of character and credit worthiness Emotional distress and mental anguish Denial of credit, higher interest rates, and financial losses FCRA statutory and punitive damages If this matter is not resolved to my satisfaction within 15 calendar days, I will file a lawsuit in state or federal court, seek maximum damages, and submit formal complaints to the Consumer Financial Protection Bureau ( CFPB ), FTC, and state attorney general. 



This letter constitutes notice of dispute under the FCRA. Continued failure to correct this error will be interpreted as willful noncompliance and handled accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
LVNV Funding XXXX XXXX XXXX CFPB XXXX XXXX : LVNV Funding LLC / XXXX XXXX XXXX : Debt Collection Issue : Attempt to collect debt not owed fraud Complaint : Multiple collections from LVNV Funding XXXX XXXX XXXX are reporting on my credit. I never opened or authorized any of the original accounts ( XXXX XXXX, XXXX XXXX, XXXX, etc. ) and have filed an FTC Identity Theft Report ( # XXXX ). These accounts were opened without my knowledge or consent. I have disputed them with the credit bureaus, but they remain. I am requesting CFPB intervention to remove all related LVNV Funding accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC
State: TX

Complaint narrative:
Atlantic Recovery Solutions has been persistently calling me this week from XXXX XXXX from various phone numbers about a debt collection. 
They do not identify themselves as Atlantic Recovery Solutions but rather ARS. Thus far I have been called XXXX times this week. This company has not sent me anything in writing regarding this collection of debt as well. They are also frequently texting me.

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 2025-06-21 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I filed multiple identity theft disputes with the CFPB regarding fraudulent and inaccurate information appearing on my credit reports with Experian, Equifax, and TransUnion. I followed all proper procedures and submitted the required documentation, including : A valid FTC Identity Theft Report Proof of identity A formal written request for blocking fraudulent items under FCRA 605B CFPB Complaint Details : Experian Complaint ID : XXXX ( Filed XX/XX/year> Still open, no action taken ) Complaint ID : XXXX ( Filed XX/XX/year> Still open ) Equifax Complaint ID : XXXX ( Filed XX/XX/year> Closed ; they falsely claimed missing documents ) Complaint ID : XXXX ( Filed XX/XX/year> Still open ) TransUnion Complaint ID : XXXX ( Filed XX/XX/year> Still open ) Complaint ID : XXXX ( Filed XX/XX/year> Still open ) Despite proper and timely submission through the CFPB complaint portal, I have received no documentation, no investigation summaries, and no verification methods from any bureau regarding items they have left on my credit reports. Their failure to respond transparently and lawfully constitutes willful negligence and knowing noncompliance with the Fair Credit Reporting Act ( FCRA ). 

Specific Violations : Equifax is refusing to honor documentation submitted via the CFPB, demanding that I resubmit materials directly. This is a violation of FCRA 605B ( c ) and demonstrates knowing noncompliance with the CFPBs formal complaint process.

TransUnion falsely claims it never received my identity theft documentation, despite full submission through the CFPB portal a clear case of negligence and failure to meet its obligations under FCRA 605B.

Experian has taken no action at all. I have received no written update, no results of any investigation, and no evidence that any investigation occurred. This is a blatant violation of FCRA XXXX ( a ) ( XXXX ), which requires that consumers be provided the method of verification when disputed information is retained. 

All three credit bureaus are demonstrating willful negligence and knowing noncompliance with federal consumer protection law. Their failure to block, investigate, or properly verify fraudulent information after receiving valid identity theft documentation is unlawful and harmful.

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