vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: TN

Complaint narrative:
I am formally reporting a severe case of identity theft resulting from the theft of my Social Security ID and Passport on or about [ Date of Theft ], which led to the fraudulent opening of multiple unauthorized accounts and numerous non-permissible inquiries on my consumer credit reports, discovered upon review on [ XX/XX/year> ]. I have already filed a FTC REPORT I demand that the Consumer Reporting Agencies and the respective furnishers immediately and permanently remove all resulting fraudulent entries, citing the requirements of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, which mandates the prompt blocking of information resulting from identity theft, and 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, which require a thorough reinvestigation and cessation of furnishing inaccurate information. ''

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 2025-12-08 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: NV

Complaint narrative:
On XX/XX/year>, I used my Venmo balance to purchase a {$730.00} sofa through XXXX ( XXXX ). The item never arrived. 
XXXX has confirmed in writing that the order was not delivered and that no refund was issued to me through their system or Venmo. 

I opened a dispute through Venmo on XX/XX/year>. XXXX dispute system now shows contradictory and conflicting statuses, which has made it impossible for me to appeal or submit evidence : On XX/XX/year>, Venmo marked the dispute as Dispute claim denied. 
Yet on XX/XX/year>, the system updated again to The evidence provided is being processed. 

As of today, XX/XX/XXXX the dispute continues to show both : Resolved/ Denied AND The evidence provided is being processed ( still active ) This means the case was prematurely closed while the automated evidence review was still running, which is a system error. Customer service says the case is closed and can not be reopened, even though the backend clearly shows it is still under review. 

I was never notified of the denial, was never shown any evidence from the seller, and was never given the chance to upload my proof despite the seller admitting the item was never delivered. 

Because the purchase was made with Venmo balance funds, I have no external remedy through my bank or card. Venmo is solely responsible for resolving this dispute under their XXXX XXXX policy. 

I am requesting that Venmo : XXXX. Manually override the system error since the case is stuck in both denied and processing states, XXXX. Reopen the dispute for a supervisor-level review, XXXX. Provide the evidence the seller allegedly submitted ( if any ), and XXXX. Refund the {$730.00}, as the seller can not provide proof of delivery and XXXX has already confirmed non-delivery. 

This situation appears to be a combination of system malfunction, improper dispute handling, and denial of consumer rights due to Venmo refusing to reopen the case despite new verified evidence. I am seeking full resolution and refund through CFPB assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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 submitted a formal dispute letter to Experian on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. 

XXXX XXXX XXXXXXXX

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 2025-12-08 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: SC

Complaint narrative:
I am submitting this follow-up statement to the Consumer Financial Protection Bureau to reiterate my formal dispute of multiple inaccurate, incomplete, and unverifiable items appearing on my credit reports with Experian, Equifax, and TransUnion. As previously noted, several addresses listed on my reports do not match my verified residence history, and under FCRA 609 ( a ) ( 1 ) and 607 ( b ), the bureaus are required to maintain accurate identifying information ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX therefore, I request a full reinvestigation and correction of all incorrect addresses. Additionally, multiple charge-off and collection accounts including those associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are reported with inconsistent balances, statuses, or are missing entirely across different bureaus, which raises concerns under FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ). I am requesting complete verification for each account, including balances, dates of delinquency, charge-off details, original creditor documentation, and chain of assignment where applicable ; any account that can not be fully verified must be corrected or removed pursuant to 611 ( a ) ( 5 ). Furthermore, several hard inquiries including those from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX require validation under FCRA 604 ( a ) ( 3 ), and I request proof of permissible purpose and authorization for each ; any inquiry lacking proper verification must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: SC

Complaint narrative:
I am submitting this follow-up statement to the Consumer Financial Protection Bureau to reiterate my formal dispute of multiple inaccurate, incomplete, and unverifiable items appearing on my credit reports with Experian, Equifax, and TransUnion. As previously noted, several addresses listed on my reports do not match my verified residence history, and under FCRA 609 ( a ) ( 1 ) and 607 ( b ), the bureaus are required to maintain accurate identifying information ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX therefore, I request a full reinvestigation and correction of all incorrect addresses. Additionally, multiple charge-off and collection accounts including those associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are reported with inconsistent balances, statuses, or are missing entirely across different bureaus, which raises concerns under FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ). I am requesting complete verification for each account, including balances, dates of delinquency, charge-off details, original creditor documentation, and chain of assignment where applicable ; any account that can not be fully verified must be corrected or removed pursuant to 611 ( a ) ( 5 ). Furthermore, several hard inquiries including those from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX require validation under FCRA 604 ( a ) ( 3 ), and I request proof of permissible purpose and authorization for each ; any inquiry lacking proper verification must be deleted.

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 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the XXXX XXXX bearing my signature & explanation of the amount and how it was calculated. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint because XXXX XXXX has continued to report and attempt to collect a debt without providing me with the legally required validation. I exercised my rights under FDCPA 15 U.S.C. 1692g ( b ) by requesting proof of the alleged debt, including documentation demonstrating ownership, assignment, and the original signed contract, yet no verification has been sent to me. Continuing to report and collect without validation is a violation of FDCPA 15 U.S.C. 1692e for false and misleading representation. I request that this account be investigated and removed from my credit report if XXXX XXXX can not provide proper validation. I am asking for enforcement action and for the furnisher to comply with federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Alleged Debt : I am formally disputing the above-referenced account, which is being inaccurately and unlawfully furnished to the credit reporting agencies. I do not acknowledge this debt, and I am requesting strict validation, statutory proof of deficiency, and correction or deletion under federal and state law. 

This account contains multiple legal deficiencies and reporting violations that require immediate correction, including : 1. UCC ARTICLE 9 VIOLATION NO PROOF OF DEFICIENCY NOTICE OR SALE DOCUMENTATION You repossessed the vehicle in 2022.

Under UCC 9-611, 9-614, and 9-616, you must provide : Pre-sale Notice of Disposition of Collateral Explanation of deficiency or surplus Proof the sale was commercially reasonable To date, you have provided none of these documents. 

WITHOUT PROOF OF NOTICE AND A COMMERCIALLY REASONABLE SALE, YOU CAN NOT LEGALLY CLAIM OR REPORT ANY DEFICIENCY. 

Therefore, the reported {$7900.00} balance is legally unenforceable and must be deleted. 

2. FCRA 623 ( a ) ( 1 ) ( A ) REPORTING INFORMATION KNOWN TO BE INACCURATE You continue reporting : A repossession in XXXX A charge-off in XXXX A static balance of {$7900.00} No payments or updates since XX/XX/XXXX No deficiency documentation No legal basis for the remaining balance This information is materially misleading, legally incomplete, and therefore unlawful under FCRA. 

Furnishing inaccurate or incomplete data requires immediate deletion. 

3. FDCPA 807 & 809 NO VALIDATION OF DEBT If Bridgecrest has assigned, transferred, or used any third-party servicers, they are required to : Validate the debt Prove ownership Provide chain of assignment Produce the original contract Provide deficiency justification None of this has been provided. 
Unvalidated debt can not be reported or collected. 

4. IRS 1099-C REQUIREMENT VIOLATED ( 26 C.F.R. 1.6050P-1 ) You charged off {$9800.00}. 
You ceased collection activities by XX/XX/XXXX. 
No collection activity has occurred for over 36 months. 

These events constitute IRS identifiable events requiring a 1099-C.

You failed to furnish : The original 1099-C ( if filed ) Any corrected filings Any evidence that the deficiency remains collectible Your failure to comply with IRS reporting requirements is a violation of federal regulation and further supports that the deficiency is not legally valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: MI

Complaint narrative:
I will upload all files, would like it to say paid in full on all my credit reporting agencies please and thank you.

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 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
I noticed these transactions on my Banking Statement and did not recognize them. 
I reported this information to my bank as unauthorized transactions and my disputes were denied despite these being confirmed unauthorized. 

XX/XX/scrub>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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
I requested blocking of fraudulent accounts under FCRA 605B. Instead, the bureaus forced a 30-day investigation, used e-OSCAR automated responses, and did not provide verification records or proof of accuracy as required under FCRA 611 and 623.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Funding is attempting to collect a debt for which a default judgment was entered against me on XX/XX/XXXX, in XXXX XXXX, Texas ( Case No. XXXX ). I was never properly served at the XXXX, Texas address listed in the case. I had moved out of that apartment on XX/XX/XXXX, and have official records showing my lease ended at that time. 

At the time of the alleged service in XX/XX/XXXX, I was living in other locations ( XXXX  XXXX, CO ; New Mexico ; XXXX, TX ) and have identification and lease agreements proving my residency elsewhere. I only discovered the judgment in XX/XX/XXXX. 

Despite the judgment being void for lack of proper service, Midland Funding continues to attempt collection. I am requesting that CFPB investigate and take action to correct the record and stop collection attempts on a debt that is not valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I declare under penalty of perjury that I am a victim of identity theft. The account reported by [ Creditor/Collection Agency Name ] is fraudulent and does not belong to me. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I request that this tradeline be blocked and permanently removed from my credit file. Additionally, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I dispute the validity of this debt and demand full validation. Until such validation is provided, collection activity must cease in accordance with 1692c. Attached are copies of my identification and supporting documentation verifying my identity. I request written confirmation that this account has been deleted from all credit reporting agencies within the statutory timeframe from My XXXX, Transunion and XXXX  Credit report.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing inaccurate, contradictory, and unverifiable information reported on my credit report by TransUnion regarding my XXXX XXXXXXXX XXXX XXXX account. My report incorrectly shows the following delinquency codes : November 2023 30 days, December 2023 30 days, January 2024 60 days. 

XXXX XXXX admitted that they did not deliver account statements physically or electronically in a way that complies with 15 U.S.C. 1666b ( 21-Day Rule ), did not provide verifiable evidence of the delinquencies ( no statements, receipts, or proof of delivery ), and did not provide required prior notification before reporting negative information, violating 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( a ) ( 7 ). Their investigation of my dispute was inadequate or nonexistent ( 15 U.S.C. 1681s-2 ( b ) ). 

As a result, the reported delinquency codes are incorrect, unverifiable, and contradictory. I request that TransUnion thoroughly investigate and correct my credit report to reflect accurate information.

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 2025-12-08 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: DE

Complaint narrative:
I am writing to demand the immediate investigation and removal of inaccurate, false, and non-mailable personal information appearing on my consumer report. These items do not belong to me. I have never lived at, worked at, or used the addresses or names listed below. Their presence on my report is misleading, deceptive, and a violation of your duty to maintain maximum possible accuracy under the Fair Credit Reporting Act.

Under FCRA 609 ( a ), I am requesting full disclosure of all personal information you have associated with me.

Under FCRA 611 ( a ), I am demanding a reinvestigation and permanent deletion of all incorrect identifiers. 

The following items are inaccurate and must be removed immediately : Incorrect names : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect employers : XXXX. XXXX, XXXX - Former These false entries distort my file, compromise my identity, and interfere with my ability to maintain a clean and truthful report. Remove them without delay.

Revocation of Consent 15 U.S.C. 1681b ( e ) ( 1 ) This section gives me the right to elect that my name, address, or personal data NOT be used for any list, prescreening, or related purpose. 
Therefore, let this letter serve as my formal notice that : I do not consent to the use of any name, address, or employer information other than my verified, correct identifiers. 


My report should reflect ONLY the following correct information : Correct Name : XXXX XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/year> XXXX ( Last XXXX ) : XXXX Once these corrections are completed, send me a new, updated copy of my credit report showing the deletions, as required by law. 

Accuracy is not optionalit is your legal obligation. I expect a response within the time frame allowed by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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