vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
I do not owe a {$6000.00} debt to XXXXXXXX XXXX XXXXXXXX. 

I formally dispute this claim under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ). 

Request for Debt Validation Under 15 U.S.C. 1692g ( b ), I am requesting validation of this alleged debt. Specifically, I request the following : Verification that you have the legal right to collect this debt, including documentation proving ownership or assignment from the original creditor. 
A complete and detailed payment history from the original creditor to validate the amount claimed. 
A signed agreement or contract proving that I am legally obligated to pay this debt. 
The original creditors name, address, and account number associated with this alleged debt. 
Proof that this debt is not time-barred under Illinoi

s ' statute of limitations. Under 15 U.S.C. 1692g ( b ), you must cease all collection efforts until you provide proper validation. Failure to validate this debt may constitu
te a violation of federal law, and I will not hesitate to report this matter to the Illinois Attorney Generals Office, the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ).

Additionally, under 15 U.S.C. 1692e, you are prohibited from using any false, deceptive, or misleading representations in your collection attempts. If you continue to pursue collection without proper validation, I will explore all legal remedies available to me, including a countersuit for violations of my consumer rights. 

I expect a response within 30 days of receiving this letter. If you fail to provide sufficient evidence, I will consider this matter closed, and any further collection attempts will be regarded as harassment in violation of the FDCPA. 

This letter serves as formal notice that you are prohibited from reporting this alleged debt to any credit bureau without proper validation. Any false reporting may result in legal action under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : XXXX. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity.

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 2025-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Creditech, Inc.
State: PA

Complaint narrative:
I got a letter in the mail from creditech collection solutions for {$300.00}. They told me I had until XX/XX/2024 to file a dispute. I called them at-least 4 times, and was always told theyre busy and I need to leave a voice mail. I left them plenty of voicemails and either no one called me back to file the dispute or they called me when I could not answer the phone. I specially left voicemails that said I can not answer the phone until after XXXX. There is two calls from them, XXXX at XXXX XXXX  and one at XXXXXXXX XXXX. I can not answer the phone then, I TOLD THEM IN MY VOICEMAIL, to call me after XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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:
I am writing to formally request that the accounts listed on my credit report, as well as any fraudulent credit inquiries, be removed from my credit file with all three bureaus.I have requested supporting evidence, including my signature and documentation from the creditor. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Under the FCRA, specifically Section 611 ( a ) ( 1 ), you are obligated to investigate and provide me with proof of the information reported. Their failure to positively verify these accounts has hurt my ability to obtain credit. I have already filed with the Federal Trade Commission ( FTC ) concerning the following unverified fraudulent accounts and credit inquires connected to my credit report. Under the FCRA, Section 605 of the FCRA : This section specifies that negative items, such as repossessions, must be reported accurately and be verifiable. If the information is found to be inaccurate or unverifiable, it must be removed. Equifax, Experian, and TransUnion Did not provid
ed me with proof of the information reported, including providing me with documentation and an original Consumer Contract with my Signature on it within the 30 days required by that law, thus i need this fraudulent information removed.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Re : Inaccurate Reporting To Whom It May Concern, Recently. I've reviewed my credit reports and found the following inaccurate late payments XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/year> Per FCRA 15 U.S.C 16811, all unverified and inaccurate information must be promptly DELETED. Please provide me all information your bureau used to verify this inaccurate late payment. Non compliance with the request for deletion if you can not produce METRO 2 COMPLIANT EVIDENCE will force my legal team to file complaints with the FTC, CFPB, Attorney General of MO, along with any further legal action we deem necessary including but not limited to civil and punitive damages Please provide me an updated copy of my credit report upon completion of your investigation. 

Best Regards, XXXX 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
Consumer complaint received 2025-03-10 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Re : Inaccurate Reporting To Whom It May Concern, Recently. I've reviewed my credit reports and found the following inaccurate late payments XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/year> Per FCRA 15 U.S.C 16811, all unverified and inaccurate information must be promptly DELETED. Please provide me all information your bureau used to verify this inaccurate late payment. Non compliance with the request for deletion if you can not produce METRO 2 COMPLIANT EVIDENCE will force my legal team to file complaints with the FTC, CFPB, Attorney General of MO, along with any further legal action we deem necessary including but not limited to civil and punitive damages Please provide me an updated copy of my credit report upon completion of your investigation. 

Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
After checking my credit report with the XXXX app. i noticed a collections account from years ago that is negatively impacting my report. that being said i asked for a cease of communication and a request for various forms of verification for the debt what i asked for - Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Please provide 1099 OID showing you own this debt and I am responsible for this debt. 
i received a threatening letter about 2 weeks later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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:
Please ensure the unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not create or authorize these accounts and do not recognize them. As per USC 1681g, I am requesting their removal within 15 days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
On XX/XX/year>, I authorized a {$7000.00} payment through PayPal using my XXXX credit card. I explicitly authorized this transaction via text message confirmation that PayPal sent me, which I have documented. I received confirmation that the payment was successful using my credit card. 

Despite this confirmation, PayPal : 1. Withdrew {$7000.00} directly from my checking account via ACH on XX/XX/year> without my authorization 2. Labeled this as " REPTRANSFER - RETRY PYMT '' in my bank statement, suggesting multiple attempts 3. Caused my account to be overdrawn by approximately {$790.00} 4. Still shows a negative {$7000.00} balance in my PayPal account even after taking the money from my bank account 5. Is now refusing to let me remove my bank account from their system I never authorized PayPal to use my bank account for this specific transaction. The text message confirmation I provided was specifically for using my credit card, not my bank account. PayPal bypassed my credit card entirely and went directly to my bank account as a cash transaction without my knowledge or consent. 

When I attempted to resolve this by asking PayPal to charge my credit card instead, they claimed they don't accept credit cards for " adding cash '' to a PayPal account. This is despite the fact that I wasn't trying to add cash I was simply trying to use my originally authorized payment method to pay the vendor. 

This unauthorized withdrawal caused : - My bank account to be severely overdrawn - Multiple overdraft fees ( which my credit union has since agreed to waive ) - Risk to my mortgage payment and other scheduled transactions - Significant stress and hours of work time spent resolving these issues Furthermore, when I attempted to remove my bank account from PayPal to prevent further unauthorized withdrawals, their system would not allow me to do so.

I believe PayPal 's practices violate regulations regarding electronic fund transfers and proper authorization for payment processing. Specifically : 1. Taking funds from my bank account without explicit authorization 2. Appearing to double-charge me by confirming a credit card payment and then withdrawing from my bank account 3. Failing to properly credit my account after withdrawing funds 4. Preventing me from removing my payment method to protect my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: NJ

Complaint narrative:
The accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Hello The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX XXXX # XXXX Account name : XXXX XXXX ACCOUNT # XXXX Account name : XXXXXXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
I am filing this complaint due to multiple violations of federal law committed by Aidvantage. These violations include : Failure to Provide Debt Validation Under 15 USC 1692g ( b ) I submitted a formal request for validation of an alleged debt, demanding the original promissory note, security agreement, and proof of lawful assignment.

Aidvantage FAILED to provide any of the required documentation within the mandated timeframe.

Reporting Inaccurate Information to Credit Bureaus ( FCRA Violation - 15 USC 1681s-2 ) Despite my dispute, the company continued to report inaccurate and unverified debt to the credit bureaus, damaging my credit.

This has led to higher interest rates, credit denials, and financial losses.

Attempting to Collect a Debt Without Legal Standing ( 12 CFR 201.3 ( a ) ( 2 ) & 201.3 ( d ) ) Federal Reserve regulations require lenders to possess and produce the original promissory note in order to enforce an alleged debt. 
Aidvantage has failed to provide this and continues illegal collection activities. 

I Sent a Formal Demand Letter via Fax I Requested Documentation Proving the Debts Validity They Ignored My Requests & Continued Illegal Reporting As a result of these violations, I have suffered the following damages : Financial Losses : Increased loan/credit card interest rates. 
Emotional Distress : Harassment and credit-related stress. 
Denied Opportunities : Rejections for housing, employment, and financial products.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: VA

Complaint narrative:
I am writing to report an identity theft issue and discrepancies on my credit report. I have recently discovered that my personal information has been compromised, leading to fraudulent activities on my credit accounts. I have taken steps to address these issues, including contacting the credit bureaus to dispute these inaccuracies and placing a fraud alert on my file. I seek your assistance in further investigating and resolving these matters. Please advise on the next steps to rectify. XXXX XXXX XXXX - ACCOUNT # : XXXX - AMOUNT : {$1400.00}.

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 2025-03-10 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: VA

Complaint narrative:
I am writing to report an identity theft issue and discrepancies on my credit report. I have recently discovered that my personal information has been compromised, leading to fraudulent activities on my credit accounts. I have taken steps to address these issues, including contacting the credit bureaus to dispute these inaccuracies and placing a fraud alert on my file. I seek your assistance in further investigating and resolving these matters. Please advise on the next steps to rectify. XXXX XXXX XXXX - ACCOUNT # : XXXX - AMOUNT : {$1400.00}.

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 2025-03-10 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: AZ

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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 2025-03-10 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:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, PAYMNT 1 Date of Inquiry XXXX XXXX, XXXX, XXXX XX/XX/XXXX & XXXX XX/XX/XXXXXXXX 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 2025-03-10 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: GOLDMAN SACHS BANK USA
State: HI

Complaint narrative:
Dates and amounts and actions taken are on the attached documentation. 

I have been trying to clear these fraudulent charges since I first reported them XX/XX/XXXX ; over 4 years ago. Back and forth. Back and forth. Four of the fraudulent charges were remove back in XXXX. I have asked for evidence to support Merchants charges and have received NOTHING!

There is a total of 10 fraudulent charges and 4 were removed. What makes the other 6 different? 

XX/XX/XXXX, I texted Apple Card/GS to dispute 6 fraudulent charges that I was informed were closed and the amounts would remain on my account. Per text I was told I would receive temporary credit during the dispute investigation. To date I have not received such credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation