vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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: LEXISNEXIS
State: OH

Complaint narrative:
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  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Impermissible Access and Reporting of Bankruptcy Violation of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern : I am submitting this formal complaint against LexisNexis for unlawfully accessing and reporting my bankruptcy information without a permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

After reviewing my consumer report, I discovered that LexisNexis accessed and reported information related to my Chapter XXXX bankruptcy. 
I never authorized this inquiry, and I was not seeking credit, insurance, employment, or any service that would give rise to a permissible purpose under 15 U.S.C. 1681b. As such, this inquiry and reporting constitutes a violation of my consumer rights. 

Relevant Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This ruling emphasized that even public information can not be accessed or used in a consumer report without a valid, statutorily defined permissible purpose. 
XXXX v. Equifax XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. XXXX, XXXX ) : The court reinforced that third-party vendors and data aggregators like LexisNexis must comply with the FCRA and are not exempt from its permissible purpose requirement. 

I Am Requesting the Following Actions : XXXX. That the CFPB open an investigation into LexisNexiss unauthorized access and reporting of my bankruptcy. 
XXXX. That LexisNexis be required to disclose the identity of any third party that requested or received this information, along with documentation showing the claimed permissible purpose. 
XXXX. That any unlawful access or reporting of this bankruptcy be permanently removed from all consumer reports unless a valid legal basis is clearly established. 

Proof of Identity : For verification, I have attached a copy of my government-issued photo ID and Social Security card as proof of identity. 

Please confirm receipt of this complaint and supporting documentation, and keep me informed regarding the steps being taken to address this violation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Request debt validation send with certified mails n return receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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 am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts that are marks as an accurate.. 
XXXX. XXXX Account Number : XXXX Status : Paid, Closed ( but with multiple late payments ) Notes : Joint account with XXXX XXXX ; multiple XXXX late payments from XX/XX/XXXX to XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Charged Off Balance : {$24000.00} Notes : Past due and charged off as of XX/XX/XXXX ; account opened XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Status : Collection Account Balance : {$690.00} Original Creditor : Progressive Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Status : Closed, {$11000.00} written off Notes : Charge off from XX/XX/XXXX to XX/XX/XXXX ; joint account with XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Status : Collection Account Balance : {$1100.00} Original Creditor : XXXX Energy Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Status : Collection Account Balance : {$7300.00} Original Creditor XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Status : Collection Account Balance : {$9100.00} Original Creditor : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Notes : Joint account with XXXX XXXX XXXX. XXXX Account Number : XXXX Status : Charged Off Balance : {$14000.00} Original Balance : {$15000.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX Account Number : XXXX Status : Collection Account Balance : {$2700.00} Date Opened : XX/XX/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 explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : * XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX TO : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Demand for Immediate Deletion Accounts # XXXX and # XXXX {$1400.00} Collection To Whom It May Concern, This letter serves as a final demand and legal notice under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1692g, 1692e, 1692f, and 15 U.S.C. 1681i. 

I am demanding the immediate deletion of the following unverified, inaccurate, and unlawfully reported accounts from all credit reporting agencies : Jefferson Capital Systems Account # XXXX {$1400.00} Collection Jefferson Capital Systems Account # XXXX {$1400.00} Collection You are reporting these accounts without providing the legally required validation. A final bill, summary, or internal database entry is not sufficient to validate a debt under federal consumer protection laws. 

As required by 15 U.S.C. 1692g, I am demanding the following : A copy of the original contract or agreement bearing my wet signature A complete billing and payment history A flow sheet outlining the full chain of assignment from the original creditor to XXXX XXXX A binding agreement or contract of sale showing legal ownership of this alleged debt Proof that your company is licensed to collect debt in the state of XXXX  If you are unable to provide these documents, you are in direct violation of the following : 15 U.S.C. 1692g ( b ) Failure to cease collection without validation 15 U.S.C. 1692e ( 8 ) Reporting false or unverifiable information to credit bureaus 15 U.S.C. 1681i ( a ) Failure to conduct a lawful reinvestigation of disputed items 15 U.S.C. 1692f Using unfair and deceptive collection tactics You are hereby given XXXX calendar days from the date above to : Delete both accounts from XXXX XXXX XXXX XXXX Cease all collection and reporting activity Provide complete validation, including the flow sheet and binding agreement Failure to comply will result in the following actions without further notice : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) A report submitted to the Federal Trade Commission ( FTC ) A grievance to the XXXX  Attorney Generals Office Civil litigation for damages and federal consumer law violations This is your FINAL NOTICE. If you can not validate this debt, you must remove it immediately. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: Chime Financial Inc
State: TX

Complaint narrative:
A Chime Financial Credit Card or Loan was reported on all three credit bureaus. I was notified on XX/XX/year>. The current balance is {$730.00}. I have all three bureaus on my phone via app. I have disputed the account on all three apps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 1. XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  .These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
MY DIPUTE IS THAT THE EQUIFAX COMPANY MISREAD MY ORIGINAL GRIEVANCE THAT THEY REVIEWED OLD LEGITIMATE LATE ACCOUNTS WHICH WERE POINTED OUT THAT UNDER PRESIDENT XXXX XXXX EXECUTIVE ORDER DIRECTING CREDIT REPORTING AGENCIES TO DETEST FROM LOWERING A CLIENTS CREDIT SCORE IF THAT PERSON CONTRACTED THE COVID. I CONTRACTED XXXX TWICE ( 2xs ) which immediately led to THREE POSSIBLY XXXX XXXX IN A ROW : 1. XXXX ; 2. XXXX  ; and XXXX : THE DREADED XXXX IF YOU DO NOT UNDERSTAND THESE FOUR ( 4 ) infections PLEASE OPEN A MEDICAL DICTIONARY! I almost died, the XXXX XXXX XXXX XXXX XXXX THAT IS STILL IN MY IXXXX BUT UNDER CONTROL DUE MY DIET, EXERCISE REGIMEN, AND MY POSITIVE ATTITUDE. JUST AS I HAD PREVIOUSLY BEATEN TYPE XXXX XXXX. I WILL NOT SHOW WHAT ACCOUNTS THAT ARE AFFECTED BY THIS SINCE I DO NOT WANT SOME INTERN MISREADING THIS. I WAS IN XXXX FOR 110 DAYS DURING THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : * XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX TO : Experian P.O. XXXX XXXX XXXX, TX XXXX RE : FINAL DEMAND FOR METHOD OF VERIFICATION FAILURE TO COMPLY WITH 15 U.S.C. 1681i To Whom It May Concern, This letter serves as a final, formal, and legal demand under the Fair Credit Reporting Act ( FCRA ), requiring that Experian provide the full method of verification regarding the continued reporting of the following accounts : XXXX Account # XXXX {$1500.00} Collection CB/VICSCRT Account # XXXX Charge-off {$0.00} I am demanding to know exactly how these accounts were verified, including who you spoke with, what documents were reviewed, and whether a manual investigation was completed in accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

If you relied on the E-Oscar automated system, let this serve as notice that E-Oscar is NOT a legally acceptable form of verification. It does not qualify as a reasonable investigation under the FCRA and does not satisfy the legal standard of producing factual proof or documentation. 

You are hereby required to send me the following within XXXX calendar days : The full name, department, and contact information of the individual or entity at XXXX and XXXX who provided the verification ; Copies of all original documentation used to verify these accounts ; A written statement confirming that E-Oscar or any other automated process was not used in place of an actual, manual reinvestigation ; A full explanation of the investigative process used to verify these accounts. 
If you fail to provide the required verification, the law requires you to immediately delete these accounts from my Experian credit report under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Failure to comply with this demand will result in : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) A report submitted to the Federal Trade Commission ( FTC ) A complaint to the Illinois Attorney XXXX XXXX XXXX civil litigation for damages under 15 U.S.C. 1681n and 1681o You are now on legal notice. If you continue to report unverifiable or inaccurately verified information, I will hold Experian liable to the fullest extent of the law. 
Govern yourselves accordingly. 

Sincerely, 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 explanation
Consumer complaint received 2025-07-19 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: DE

Complaint narrative:
I didn't authorize this account. Please remove hard inquire.

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 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I had an account open with synchrony bank for 14 years and 6 months. No payments made it to 30/60/90 days late. During the months of XXXX and XXXX, I transitioned bank accounts to three separate banks. The first was XXXX to XXXX XXXX. This was due to XXXX merging with XXXX. During the transition, XXXX did not give me proper access to my accounts. This caused me to transition again to XXXX. During this time I had two returned payments from banks, all corrected with Synchrony when this happened. Synchrony was able to accept these payments made. I discoved after XX/XX/XXXX, Synchrony had closed my account with out any warning or notification. I only found out due to an alert from XXXX XXXX. I notified Synchrony immediately and offered to provide documentation of the bank transfers. I was advised by Synchrony that I should have contacted with in 24 hours of the closing. I advised them I couldn't because there was no notification. I filed an appeal and offer a to provide documentation, but that didn't go through. I have never been provided with any warning after the first return that this could happen and am unaware of any policy that states this could happen. Again, the XXXX payment was returned and paid the following day with no issue. The same happened with the XXXX payment when I switched banks a third time. 

Attached are the three statements from Synchrony showing the payments and returns, my XXXX  account showing my opening of the new account, a screenshot of the XXXX XXXX transition time frame, and my complaint of XXXX of the XXXX  from over a month ago stating the issues.

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 2025-07-19 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:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

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

PHONE NUMBER : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Thank you for your attention to this matter.

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 2025-07-19 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: TX

Complaint narrative:
I made a digital payment of {$15.00} through PayPal to a service provider ( XXXX XXXX XXXX XXXX  ) for access to their XXXX XXXX XXXX XXXX XXXX XXXX Despite the payment being accepted and services initially rendered, I was suddenly and permanently banned from accessing the product. No valid explanation was provided. I was accused of " ban evasion '' without evidence, despite having a previous appeal accepted and over XXXX hours of legitimate playtime on the account. 
This denial of service violates PayPal 's Buyer Protection terms. I purchased access to a digital service and was unreasonably locked out without a refund or valid justification. I contacted PayPal to dispute the transaction under their protection policy, but they closed the case stating no unauthorized transaction, despite my claim being about receiving a service I paid for but was unfairly blocked from using. 
I requested more information from PayPal as to why this denial of service did not qualify under their protections, and they failed to provide a reasonable or transparent response. This goes against the FTCs expectations for fair business practices and potentially violates CFPB regulations regarding digital payments and consumer protections. 

There must be laws and XXXX in place that protect consumers like me when using platforms such as PayPal. I paid for a service, and that service was revoked without due process, with no option for refund, appeal, or arbitration. This is essentially a digital goods scam being enabled by a payment processor who refuses to enforce its own buyer protections. 

I am requesting a full refund of {$15.00} and for the CFPB to investigate whether PayPal is violating consumer protection regulations by refusing to intervene in cases where services are paid for and not delivered due to unjust account suspensions. 

I have screenshots of the transaction, the ban notice, appeal history, and PayPal 's refusal to act, all of which I can provide upon request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : * XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX TO : Midland Credit Management , Inc . 
P.O. XXXX XXXX XXXX, MI XXXX RE : Formal Demand for Immediate Deletion Account # XXXX {$620.00} Collection To Whom It May Concern, This letter serves as a final legal demand under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1692g, 1692e, 1692f, and 15 U.S.C. 1681i.

I am demanding the immediate deletion of the following account currently being reported on my credit report : Midland Credit Management Account # XXXX {$620.00} Collection Your company is reporting this account without providing lawful debt validation, and that is a direct violation of my consumer rights. A final bill, basic summary, or automated verification is not legally sufficient.

You are hereby required under 15 U.S.C. 1692g to produce the following documentation : A copy of the original contract bearing my wet signature A full billing and payment history A flow sheet showing the complete chain of assignment from the original creditor to Midland Credit A binding agreement or purchase contract proving legal authority to collect this debt Proof of valid collection licensing in the state of Illinois Continuing to report and collect without producing these materials constitutes : 15 U.S.C. 1692g ( b ) Continuing collection without validation 15 U.S.C. 1692e ( 8 ) Knowingly reporting false or unverifiable information 15 U.S.C. 1681i ( a ) Failure to perform a lawful reinvestigation 15 U.S.C. 1692f Engaging in unfair or deceptive collection conduct You have 15 calendar days from the date above to : Delete this account from all major credit bureaus ( Experian, Equifax, TransUnion ) Provide full legal validation, including the flow sheet and binding agreement Cease all further reporting or collection attempts Failure to comply will result in the following actions without further notice : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Reports filed with the Federal Trade Commission ( FTC ) A grievance submitted to the Illinois Attorney Generals Office Civil litigation for violations of my consumer rights under federal law This is your FINAL WARNING. If proper documentation is not provided, and the account is not deleted, I will take immediate legal action to protect my rights. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief