vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am disputing the validity of the debt that is being reported and/or collected. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting full validation of this alleged debt.

Specifically, I am requesting : * The name and address of the original creditor.

* The original account number.

* An itemized breakdown of the amount claimed, including principal, interest, fees, and any other charges.

* Documentation that proves you are legally authorized to collect this debt, including a copy of the assignment or contract showing your right to collect. 
* Confirmation of whether this alleged debt has been reported to any credit bureaus, and if so, which ones and what information was furnished. 
Until proper validation is provided, you must cease all collection activity and stop reporting or verifying this debt with any credit reporting agencies, as required by the FDCPA and the Fair Credit Reporting Act ( FCRA ). 
If you can not provide the requested validation, I am requesting that you immediately stop all collection efforts and remove any negative reporting related to this alleged debt. 
This is not a refusal to pay, but a request for validation and verification of the claim in accordance with my rights under federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: MS

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute and demand for method of verification under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). I recently reviewed my credit report from your bureau, and I dispute the accuracy of the following item : Midland Credit Management Account Number : XXXX Amount : {$1200.00} You are legally obligated to conduct a reasonable investigation of any disputed information. If you claim that you have verified this account, I demand that you provide me with the complete method of verification, including but not limited to : 1. The name, address, and telephone number of the party you contacted.

2. The records or documents you used to verify the alleged account.

3. The exact method you used to conclude that this information is accurate.

A generic response or parroted information from the furnisher will not satisfy this legal requirement. Unless you can produce documented, verifiable evidence from the original creditor proving the accuracy of this account, you must immediately remove it from my credit report. 

You are reminded that the FCRA requires accurate and complete reporting. Failure to comply with my lawful request will leave me no choice but to pursue legal remedies, including complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

I expect a full response, with complete documentation, within 30 days as required by law. If you can not or will not provide the method of verification, you are required to delete the disputed item from my credit report immediately. 

This is not a request. This is a demand for compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: KY

Complaint narrative:
I am submitting this formal statement regarding numerous inaccuracies and negative accounts that continue to appear on my consumer credit reports. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Despite previous disputes and direct requests for correction, these negative accounts remain on my file without proper validation or correction. Each of these accounts is being reported with serious errors, such as inaccurate payment history, unverifiable balances, duplicate reporting, and other misleading information. These reporting errors are causing substantial harm to my creditworthiness and financial standing. 

The following accounts are in dispute : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$19000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Filed a complaint to PayPal for item not as described ( ordered electric scooter from aliexpress got it in the mail and it did not work total electrical system flawed seller admitted I promptly filed for a return according to aliexpress the seller is responsible for providing a return shipping label and seeing how this thing weighed XXXX pounds shipping on the buyer would have been almost the cost of the item in its entirety PayPal totally mishandled. The dispute asked for a return shipping number. I told him the entire reason I was filing the dispute was because the seller did not provide that I could not provide it to them. They closed the dispute out, saying that I did not enter a correct return shipping label. This company was committing fraud and now PayPal is constituting fraud by totally miss handling this case I demand this be investigated by authorities and proper action taken, PayPal has a totally automated system for their disputes, which does not leave room for any type of extenuating circumstances whatsoever will put stem at fault I demand this be investigated in lawful actions taken. This was a {$690.00} purchase that they just swept under the rug I will not tolerate that it is my right as an American citizen to have these charges investigated, and they just totally dropped the ball on. It didnt do anything about it. They would not let me move further without entering some type of information. I even called them and spoke to them. They said that they would contact the seller and request a shipping label they never did. They dropped the ball all over the place lied about it and I want them closed down. Theyre constituting fraud by doing this!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX Account # : XXXX has violated my rights. 

And 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 ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2025-09-05 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX Account # : XXXX has violated my rights. 

And 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 ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
I am disputing the validity of the debt that is being reported and/or collected. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting full validation of this alleged debt. 
Specifically, I am requesting : * The name and address of the original creditor. 
* The original account number. 
* An itemized breakdown of the amount claimed, including principal, interest, fees, and any other charges. 
* Documentation that proves you are legally authorized to collect this debt, including a copy of the assignment or contract showing your right to collect. 
* Confirmation of whether this alleged debt has been reported to any credit bureaus, and if so, which ones and what information was furnished. 
Until proper validation is provided, you must cease all collection activity and stop reporting or verifying this debt with any credit reporting agencies, as required by the FDCPA and the Fair Credit Reporting Act ( FCRA ). 
If you can not provide the requested validation, I am requesting that you immediately stop all collection efforts and remove any negative reporting related to this alleged debt. 
This is not a refusal to pay, but a request for validation and verification of the claim in accordance with my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute and demand for method of verification under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). I recently reviewed my credit report from your bureau, and I dispute the accuracy of the following item : Portfolio Recovery Account Number : XXXX Amount : {$1300.00} You are legally obligated to conduct a reasonable investigation of any disputed information. If you claim that you have verified this account, I demand that you provide me with the complete method of verification, including but not limited to : 1. The name, address, and telephone number of the party you contacted.

2. The records or documents you used to verify the alleged account.

3. The exact method you used to conclude that this information is accurate.

A generic response or parroted information from the furnisher will not satisfy this legal requirement. Unless you can produce documented, verifiable evidence from the original creditor proving the accuracy of this account, you must immediately remove it from my credit report. 

You are reminded that the FCRA requires accurate and complete reporting. Failure to comply with my lawful request will leave me no choice but to pursue legal remedies, including complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

I expect a full response, with complete documentation, within 30 days as required by law. If you can not or will not provide the method of verification, you are required to delete the disputed item from my credit report immediately. 

This is not a request. This is a demand for compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: FL

Complaint narrative:
2023 A discover card was opened fraudulently. This is not my account. I do not own this debt and I am not responsible. I did not authorize this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
They are attempting to collect a debt in the wrong amount. I requested validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), but they have not provided proper documentation. Despite my dispute, they continue collection efforts and/or reported the debt to the credit bureaus. I am requesting that the CFPB investigate and require the collector to provide full validation and correct any inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: AL

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for continuing to report inaccurate and incomplete information on my credit reports, despite my prior disputes. I submitted disputes more than XXXX  days ago, yet the credit bureaus and furnishers have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Issues in My Credit Report : Incorrect Personal Information : My name is being misreported as XXXX XXXX XXXX. 

Unauthorized Inquiries : XXXX XXXX ( XX/XX/year> ), XXXX  ( XX/XX/year> ), and XXXX XXXX ( XX/XX/year> ). These were not authorized and should be removed. 

XXXX : XXXX XXXX ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) remains inaccurately reported. 

XXXX : XXXX/XXXX  ( Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) still reporting negatively without proper verification. 

Late Payments ( Closed/Paid Accounts ) : XXXX XXXX XXXX ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) incorrectly marked with late payments. 

Violations : 15 U.S.C. 1681s-2 ( a ) ( 3 ) : Furnishers are required to mark accounts as disputed once notified. This has not been done.

15 U.S.C. 1692e ( 8 ) : Prohibits communicating disputed credit information without disclosure. My account continues to report as if undisputed. 

Harm and Impact : The bureaus failure to correct and properly mark these accounts as disputed is damaging my reputation and may influence decisions by creditors and employers relying on these reports.

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 2025-09-05 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This company is violating my rights and have not validated my information under 12 CFR 1006 ( b ) ( 5 ) yet they have placed inaccuracies on my consumer report. I have made attempts to fix this issue with them, and they are violating my rights. I'm entitled to {$1000.00} per violation listed. This account needs to be deleted immediately or pay 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 non-monetary relief
Consumer complaint received 2025-09-05 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: CA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$4100.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - {$17000.00}

Company response to consumer: Closed with non-monetary relief