vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XX/XX/2025 Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX. XXXX, MN XXXX Re : Cease and Desist Notice No Account Number Available To Whom It May Concern, I am writing to notify you that I do not have any account or financial relationship with Jefferson Capital Systems LLC. Any communication or collection activity regarding an alleged debt is in error. If there is an account with me, please send all information pretending to this account to my address which you should have on file. No Account # has been provided to me about this account. Reason why account number is not in this letter.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am requesting that you cease and desist all communication with me regarding this matter, except as permitted by law such as to confirm that you will stop contacting me or to notify me of specific legal action you intend to take.

Please also remove my contact information from your records and refrain from reporting any false information to credit bureaus. If this debt is not mine, you must cease collection efforts immediately and correct any incorrect credit reporting.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
Dear XXXX I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am filing a complaint against PayPal regarding a {$390.00} withdrawal from my account that I did not authorize, and for which PayPal has denied my dispute despite clear evidence of fraud and identity misuse. 

Here is a summary of what occurred : - On XX/XX/year>, {$390.00} was withdrawn from my account via PayPal Debit XXXX. 
- This transaction originated from a scam targeting my XXXX account, where I sell XXXX XXXX. I was led to believe I was receiving a payout for products I had listed and sold. Instead, my information was misused to initiate a fraudulent purchase. 
- I did not authorize this transaction, nor did I receive any product, service, or payout in return. 
- The merchant involved provided a receipt that included my name, but the associated IP address, physical address, and email address were not mine. 
- The transaction was misrepresented as a XXXX purchase XXXX I have never visited a XXXX XXXX created a wallet, or authorized any XXXXrelated activity. 
- The merchant provided links to a XXXX XXXX XXXX XXXX  ), but no legitimate receipt from that site, and no documentation tying the transaction to my actual identity. 
- PayPal denied my claim despite the mismatched identifying details and the lack of a legitimate merchant name, contact information, or proof of delivery. 
- I requested a manual review and escalation, but PayPal closed the case without resolving the issue. 

Additional Concern : - After I attempted to dispute the charge through my bank, PayPal debited an additional {$400.00} from my account without providing a transaction ID or listing it in my transaction history. This debit is not visible in my PayPal activity, making it impossible to dispute through their system. This action appears retaliatory and violates transparency standards for financial institutions. 

This situation reflects a serious failure in PayPals fraud protection and dispute resolution process. I am requesting that the CFPB investigate this matter and require PayPal to : - Provide a full refund of the {$390.00} and the additional {$400.00} debit - Explain why the transaction was approved despite mismatched identity details- Justify the unlisted {$400.00} debit and restore transparency to my account - Improve their fraud review process for digital transactions involving blockchain or cryptocurrency I am happy to provide screenshots, bank statements, and correspondence with PayPal to support my claim. 

Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) from XXXX XXXX XXXX on XX/XX/XXXX. The dealership misrepresented the vehicles condition and failed to honor written repair promises ( due-bill repairs ) that were part of the sale. 

The transaction was financed through Westlake Financial Services. I contacted Westlake Financial XXXX different times to dispute the loan and report that the underlying sale was deceptive. I also requested verification and supporting documentation for the loan and dealer contract. 

Westlake Financial failed to investigate or provide any written response, violating XXXX XXXX XXXX XXXX and the Fair Credit Reporting Act 623 ( a ) ( 8 ). They have continued to service and report the account despite being notified of these issues. 

I filed a state complaint with the XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( OCCC Complaint No. XXXX ) and a Public Information Request with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) regarding the dealers actions. 

I am requesting CFPB review and enforcement regarding Westlake Financials failure to respond to consumer disputes, continued collection on a contract created through dealer misrepresentation, and possible violations of state and federal finance laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: NJ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 non-monetary relief
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-10-22 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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 2025-10-22 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: MD

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Capitol one is reporting a late payment on my credit report and by law has no right to do so under 15 USC 1666b timing of payments, i never recieved the notice of billing nor did i recieve notice of negitive information which is required under 15 usc 1681 s-2 ( a ) ( 7 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Block, Inc.
State: GA

Complaint narrative:
They closed my account after I purchased a vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX -Date Opened XX/XX/XXXX -Balance {$200.00} XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$280.00} XXXX XXXX XXXX  # XXXX -Date Opened XX/XX/XXXXXXXX XXXX # XXXX -Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX -Date Opened XX/XX/XXXX -Balance {$16000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/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 XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2025-10-22 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Upon reviewing my credit report, I discovered an unauthorized account listed under " XXXX XXXX  ( Account Number : XXXX, Date Opened : XX/XX/year> ) '' on my TransUnion credit file. This account was added without my consent, and I have not received any verification to justify its inclusion. Despite having disputed this account previously, it remains listed, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). This entry violates 15 U.S.C. 1681b ( 2 ) as no written authorization was provided for its inclusion. The continued reporting of this account is causing significant harm to my credit score and financial opportunities. 

I am filing this complaint through the CFPB to seek your assistance in resolving this matter. TransUnion has failed to remove this unauthorized account, and I request the CFPB to intervene and take immediate action to investigate and resolve the issue. Additionally, I am unable to file a direct complaint with the FTC due to their website being shut down, and I am relying on the CFPB to assist me in holding TransUnion accountable for this violation.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Charge-off dispute letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN ( last 4 digits ) : XXXX Date : XX/XX/XXXX To : Experian / Equifax / TransUnion Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Charge-Off Account Not My Account ( FCRA 611 Reinvestigation Request ) Dear transunion, experian, Equifax I recently reviewed my credit report and discovered an account that is being reported as a charge-off which I do not recognize. The details are as follows : Creditor Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} I am formally disputing this account because it does not belong to me. I have never opened, authorized, or held any account with this creditor, and I have no knowledge of this debt. 

Under the Fair Credit Reporting Act ( FCRA ) 611, I request that you conduct a reinvestigation of this entry. Please verify the accuracy of the information with the furnisher of the data. If the creditor can not provide documentation proving that I am responsible for this account, this charge-off must be removed from my credit report immediately. 

Enclosed are copies of my government-issued ID and proof of current address for identity verification. 

Please send me written confirmation of the outcome of your investigation and an updated copy of my credit report once this matter is resolved. 

Thank you for your prompt attention. 

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 non-monetary relief