vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 

Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: IN

Complaint narrative:
On XX/XX/year>, my PayPal account was accessed by a XXXX  party who used my email and password to make an unauthorized payment of XXXX XXXX XXXX ( {$10.00} USD ) to XXXXXXXX XXXX XXXX XXXX  funded by my linked XXXX debit card. I reported the transaction to PayPal the same day, and they accepted my claim and issued a refund of {$10.00} USD. 
However, on XX/XX/year>, PayPal reversed the refund, citing a return code XXXX and claiming I had received XXXX credits for the same transaction. Based on my account activity, I only received XXXX refund and XXXX reversalthere is no evidence of a second credit. 
I requested documentation from PayPal, including : Transaction IDs and timestamps for both alleged credits An explanation of the XXXX return code Clarification on whether the reversal was initiated by PayPal, my bank, or the merchant PayPal has not provided this information, and the {$10.00} USD refund remains missing. I am requesting that the refund be reissued and that PayPal provide the documentation necessary to support their reversal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There are late payment entries on my credit report that I believe are inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, credit reports must include only information that is accurate, complete, and verifiable. I am requesting verification of these entries, and if they can not be confirmed, they should be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 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: CA

Complaint narrative:
I am writing to formally dispute certain charged-off accounts appearing on my credit report. These accounts are being reported as charged off by the original creditor and/or collection agencies, yet no Form 1099-C ( Cancellation of Debt ) has been issued or provided as required under IRS reporting regulations when a debt has been deemed canceled or uncollectible.

According to IRS Publication 4681 and Form 1099-C regulations, creditors are required to file and provide a copy of Form 1099-C to the debtor when {$600.00} or more of debt has been canceled, discharged, or deemed uncollectible.

I have attached the name of 13 accounts that have been Paid/Never Late or Charged Off that are harming my credit worthiness and need to be deleted for being inaccurately reported across all 3 credit bureau 's .

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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX And XX/XX/XXXX There Was Two Unauthorized Inquiries From ( XXXX XXXX  XXXX  ) And ( XXXX  Milestone ) These Accounts Fall Under The Statue Of Limitations Or Are Misreporting On My Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX AND ASSOCIATES Opened XX/XX/XXXX with a balance of {$410.00} There are also fraudulent Inquiries with : XXXX inquired on XX/XX/XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX BANK inquired on XX/XX/XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and 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 non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge, and I have never opened, authorized, or managed them. This is completely unacceptable and constitutes a serious misrepresentation of my financial history. I take my credit profile very seriously, and the presence of these unauthorized accounts is both alarming and distressing.

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 2025-10-12 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: FL

Complaint narrative:
A fair resolution would be for Equifax to : Conduct a full reinvestigation of the XXXX XXXX XXXX XXXX XXXX account ( # XXXX ) directly with the furnisher to verify the accuracy of the reported payment history. 

Remove or correct the inaccurate late payment entries showing Not more than two payments past due, since payment records confirm all payments were made on time.

Update the account status to reflect Paid or Paying as Agreed Never Late ( PAANL ) consistently with verified payment data.

Provide written confirmation that the reinvestigation has been completed and that the inaccurate information has been corrected.

Ensure compliance with the Fair Credit Reporting Act ( FCRA ) by maintaining accurate and verified data, as required under 15 U.S.C. 1681e ( b ) and 1681i ( a ).

Prevent reinsertion of the incorrect late payment information without proper certification from the furnisher, as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Send a corrected copy of my Equifax credit report showing the accurate, verified payment history for this account.

These actions would ensure fair resolution, restore the accuracy of my credit report, and prevent further negative impact on my credit standing caused by the erroneous late payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: FL

Complaint narrative:
Notice of a credit card bill pay off completion More than seven years ago, the completing party was involved in a Credit card loan situation with-at the time it seems that a live in family Member had obtained my identity and was able to reverse engineer two credit cards to an unclosed address therefore running up a high bill between both cards, the Above was forced to contact the federal trade commission and file a complaint and intern the federal trade commission referred me to the CFPD department where I also filed numerous complaints now The above has been legally informed, that he has reached final payment status, you should protect this process by using third-party proxy, which can be referred to in a court of law as evidence if necessary, the process of final payment to the felonious collection agency who has remain using old demographics to substantiate a collection account against the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to formaNex press my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I have a XXXX account. I attempted to open my teenage daughter a TeenVenmo account on my phone while LOGGED OUT of my account. By doing so, my XXXX account that is linked to my phone, flagged my account as fraudulent and froze my account. I jumped through all the hoops of verifying my phone number, verifying my email, and submitting my legal documents ( passport ). XXXX still refuses to close my account. In addition, Venmo is stating that they can not validate me because I can not validate the last 4 digits of my bank account. I have only had 1 bank account for the past 8 years- and I literally am holding the check with account and routing number- there is no reason why there is this mismatch. 

I want both my accounts closed. 
XXXX and XXXX. I have submitted my documents, I have jumped through all of XXXX XXXX Close my account. I do not want to have accounts out in the world that XXXX cant access, especially since XXXX  is stating my bank account number is wrong. I am under the impression the representative was not in my actual account, but possibly somebody with a similar name, however he refused to validate that it was the correct account to begin with. I requested to speak to a supervisor or another department repeated, and he out right refused to transfer me to anybody that could help. Repeatedly, out right refused. 

I submitted my legal documents. This should be illegal to deny me the ability to close down an account. There is absolutely nothing debiting or crediting currently ; thus no reason to keep it open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT MY NAME AND ADDRESS IS INCORRECT AND ALSO HAVE ACCOUNTS THAT ARE REPORTING WHICH DONT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT MY NAME AND ADDRESS IS INCORRECT AND ALSO HAVE ACCOUNTS THAT ARE REPORTING WHICH DONT BELONG TO 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 2025-10-12 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: FL

Complaint narrative:
Hello my name is XXXX XXXX and i am personally writing this complaint because there are plenty unauthorized and inaccurate accounts reporting to my credit profile and these have hindered my score. This is totally unfair as the credit agencies ( Transunion, Experian, Equifax ) refuse to help me. Please help. I have already created an FTC report. 
FTC # 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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
These addresses do not belong to me. I would like these removed from my credit profile My current address is XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX The addresses listed below are incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: OH

Complaint narrative:
" 'THESE XXXX ACCOUNT WHERE CHARGE OFF / WRITTEN OFF XXXX XXXX Open date : XX/XX/XXXX Balance : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
" This account was open fraudulent and impermissible and do not belong to me... 

Open date : XX/XX/XXXX XXXX : {$20000.00} XXXXXXXX XXXX XXXX XXXX XXXX 
This account was open fraudulently and impermissible and do not belong to 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 2025-10-12 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: OH

Complaint narrative:
" 'THESE XXXX ACCOUNT WHERE CHARGE OFF / WRITTEN OFF XXXX XXXX Open date : XX/XX/XXXX Balance : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
" This account was open fraudulent and impermissible and do not belong to me... 

Open date : XX/XX/XXXX XXXX : {$20000.00} XXXXXXXX XXXX XXXX XXXX XXXX 
This account was open fraudulently and impermissible and do not belong to me....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: VA

Complaint narrative:
The company is called SEQUIUM ASSET SOLUTION. It started on XX/XX/2025 from one number then XX/XX/XXXX from a second number. They would not identify themselves or say who they were as I no longer identify myself to unknown callers as scams are rampant. This is against us code and illegal. When they would not identify themselves I blocked their numbers. Secondly what they are reporting is fraud as I have the amount that is owed but my verbal agreement with a executive to send me the correct amount on a bill was never sent or received also they refused to take back in store and in mail. The executive locked my account per store manager in town at XXXX. I will only pay tmobile as I did not sign a contract with the collection company. I will be seeking legal advice on a lawsuit for them breaking the law. This is the 3nd company that falsified, the amount I owed. Also I have the executive first name and date I talked to him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
I sent a certified letter to them of a clear violation regarding my personal and financial information was compromised without my authorization this breach is a clear violation of XXXX I requested that they cancel and discharge my student loan debt in full I sent the letter back in XX/XX/year> it should be off by now per the law! and I don t want to hear another XXXX to 60 days thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: TX

Complaint narrative:
Several self-financial-related tradelines are being reported inconsistently and inaccurately on my Experian credit file compared to those on my XXXX  and XXXX files XXXX These errors involve outdated delinquency notations, missing balances, and incomplete payment updates that now interfere with my VA XXXX loan eligibility. 

Below is a breakdown of each affected account and the corrections requested under FCRA 623 ( a ) ( 2 ) and 611 ( a ).

1. Sunrise Banks/ Self Financial ( Credit Builder Loan ) Problem : Experian shows Paid account/was 30 days past due and 30 days delinquent, while Equifax and TransUnion both XXXX Paid as agreed {$0.00} balance. 

Correction Requested : Update Experian to Paid as agreed closed account {$0.00} balance. 

Remove all 30 days past due and was 30 days delinquent remarks. 

Refresh the last updated date to match XXXX XX/XX/2025 record. 

XXXX. XXXX XXXX XXXX XXXX XXXX  Revolving Credit Builder Line ) Problem : XXXX has no recent update, showing a missing balance, payment status, and last activity. TransUnion shows XXXX or paying as agreed {$0.00} balance. 

Correction Requested : Update Experian to show XXXX as agreed closed account {$0.00} balance. 

Include the last updated date as XX/XX/2025 and remove any outdated or blank data fields. 

XXXX. Self Credit Builder Account ( if a separate tradeline appears under Self Financial or Credit Builder Account ) Problem : Some reports list duplicate or stale Self Credit Builder accounts with inconsistent dates or missing {$0.00} balances. 

Correction Requested : Delete any duplicate or inactive XXXX XXXX / XXXX XXXX accounts showing the same loan number. 

Ensure all active XXXX accounts reflect Paid as agreed {$0.00} balance closed. please delete all self reporting unless it has a positive mark

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JPMorgan Chase Bank closed my business checking account ( ending in XXXX ) on XX/XX/year>, with a balance of approximately XXXX. According to the official statement Chase mailed to me, the account was closed that day and a closing check was issued, leaving a zero balance. Despite this, Chase has refused to release the closing check or return my funds. 

After I sent a written complaint to Chases executive office, a representative contacted me and requested that I explain the source of all deposits. I complied fully and provided written documentation for each transaction. Shortly afterward, I received a voicemail from Chases Executive Office stating that the banks final decision was not to release my funds, claiming it was exercising its rights under the deposit account agreement. 

I have carefully reviewed Chases current Deposit Account Agreement ( effective XX/XX/year> ) and found no clause that authorizes the bank to indefinitely withhold or confiscate cleared funds after account closure. The agreement only allows temporary restrictions during investigation, not permanent retention once the account is closed. 

The funds in question are fully legitimate, and there have been no allegations of fraud or wrongdoing. Chases refusal to release my money appears to violate both Regulation CC ( 12 CFR 229 ), which prohibits indefinite holds on cleared deposits, and the banks own contractual obligations. 

I request the CFPBs assistance in compelling Chase to ; Immediately release the closing check for my {$22000.00} balance ; and Provide written proof of any legal or regulatory authority under which they claim the right to withhold my funds.

Company response to consumer: Closed with explanation