vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Michel Law, LLC d/b/a Level One Law
State: HI

Complaint narrative:
On XX/XX/XXXX, I engaged Level One Law to consolidate and settle my credit card and loan debts. I was assured that they would negotiate with my creditors and have my accounts resolved within approximately one year. 

XXXX XXXX  ( Never Delivered ) According to their contract, Level One Law agreed to provide : Debt Analysis Negotiation and resolution of debts within 1 year Litigation defense None of these services were ever provided. 

Payments Made Beginning XX/XX/XXXX, Level One Law drafted {$770.00} per month from my account. This continued until XX/XX/XXXX, totaling thousands of dollars paid. Approximately {$8500.00} in payments made to Level One Law. 

Breach of Promise and Misrepresentation Despite these payments, none of my creditors were ever contacted or negotiated with. I confirmed this directly with my creditors/lenders after receiving a notice of legal action against me from one of them.

When I reached out to Level One Law, I was denied access to a manager, given no updates, and ultimately told they could not assist me. 

Attempts to contact their attorney, XXXX XXXX ( XXXX, XXXX ), went unanswered. 

Misleading Fee Structure I was initially provided a Schedule of Fees and Charges stating that only {$10.00} per month would be taken for fees. In reality, the company was taking approximately 60 % of my payments upfront as fees, leaving little or nothing to address my debts. 

Harm Caused I was sued by creditors for unpaid debts. 
My creditors never received any settlement communications from Level One Law. 
My credit score has plummeted due to missed payments and negative reporting, even though I was paying Level One Law as agreed. 

after closing my account with Level One Law - I only received a small, partial refund despite requesting a full reimbursement. 

Additional Context I later discovered that the CFPB filed a lawsuit against Level One LawXXXX XXXX XXXX  on XX/XX/XXXX, for taking advance fees in violation of consumer protection laws. 

Summary of Damages : I feel deceived and financially harmed. I lost thousands of dollars, have active lawsuits from creditors, and suffered significant credit damage while Level One Law failed to provide the services they contractually promised. I am requesting the CFPBs assistance in obtaining a full refund of the fees I paid and accountability for Level One Laws misleading and harmful practices.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-21 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: KS

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 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I am disputing the alleged account you claim I owe. Under the FDCPA and FCRA, you are obligated to validate this debt. I demand the following : Original wet-signed contracts proving a contractual relationship between myself and I.C. System, Inc. 
Proof of service or lawful dunning notices, which I have never received. 
Full account documentation and payment records. 

Reporting this account without proper validation and failing to provide dunning notices are clear violations of the FDCPA and FCRA. In addition, my identity was compromised during the period this account was allegedly created. FTC Identity Theft Reports are on file to substantiate this. 

If you can not validate this debt, you must remove all references to it from every credit reporting agency. Noncompliance will result in immediate regulatory complaints and legal action against your company.

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 2025-09-21 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: GA

Complaint narrative:
I sold some XXXX playoff tickets on XXXX and connected my paypal account for payment. 
On XX/XX/XXXX I received a payment of {$9500.00} USD and XX/XX/XXXX {$1200.00} USD. Other than these transactions I have extremely few transactions on my account, less than XXXX XX/XX/XXXX outgoing and incoming. 

On XX/XX/XXXX PayPal requested additional information on my account and on XX/XX/XXXX I received " Were unable to offer PayPal services for this account anymore '', which stated my funds would be available in 120 days which would be XX/XX/XXXX. 

Despite this, on XX/XX/XXXX, I received another email stating that " You can no longer use PayPal '' and that my money would be available in 180 days. 

I logged into my account on XX/XX/XXXX, and noticed that all of the money in my account had already been removed. I received no notice of this. 

On XX/XX/XXXX there was 3 transactions for " General Account Correction '' in the amount of XXXX and on XX/XX/XXXX more transactions all in different amounts removed an additional XXXX from my account. In 71 unique transaction amounts, PayPal removed the entire balance of my account. 

PayPal refuses to return my money and says I have caused " damages and POTENTIAL libablities '' as a result of violations of the terms and conditions however will provide no evidence. 

My XXXX has been stolen with no cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: KS

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 2025-09-21 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: KS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Lenmo Inc
State: NY

Complaint narrative:
On XX/XX/year> gave a secured loan on lenme via XXXX. They claim to have a collections department but the app is fraud. I really would like help taking them out of business and recovering my funds. This was supposed to be backed by his crypto. App is lenme.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: Westlake Services, LLC
State: AL

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or Deficiency Balance Notice, which are required under UCC 9-611 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ).

I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures. 

Account XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: CA

Complaint narrative:
I am disputing a collection account furnished by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The Date of First Delinquency ( DOFD ) is reported as XX/XX/XXXX, but my first missed rent payment was in XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 5 ) ), the DOFD must reflect the first missed payment that led to the delinquency. Reporting a later date unlawfully extends the time this account can remain on my credit report. 
I have disputed this account with Equifax three separate times, specifically pointing out the DOFD discrepancy. Each time, Equifax updated unrelated fields but failed to correct the DOFD. 
I also submitted a debt validation request to the furnisher on XX/XX/XXXX, and they failed to provide itemized documentation. On XX/XX/XXXX, they confirmed my request was on record. Because the debt was never properly validated and the DOFD is inaccurate, continued reporting violates FCRA 611 and 623 ( a ) ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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:
I am disputing a collection account furnished by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The Date of First Delinquency ( DOFD ) is reported as XX/XX/XXXX, but my first missed rent payment was in XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 5 ) ), the DOFD must reflect the first missed payment that led to the delinquency. Reporting a later date unlawfully extends the time this account can remain on my credit report. 
I have disputed this account with Equifax three separate times, specifically pointing out the DOFD discrepancy. Each time, Equifax updated unrelated fields but failed to correct the DOFD. 
I also submitted a debt validation request to the furnisher on XX/XX/XXXX, and they failed to provide itemized documentation. On XX/XX/XXXX, they confirmed my request was on record. Because the debt was never properly validated and the DOFD is inaccurate, continued reporting violates FCRA 611 and 623 ( a ) ( 5 ).

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 2025-09-21 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: TX

Complaint narrative:
XXXX XXXX XXXX is out of business yet is still reporting a false account on my credit reports. They are reporting a balance of {$1500.00} and listing XXXX XXXX XXXX ( XXXX ) as the original creditor. XXXX has confirmed in writing that the account was never sold, remains with them as a charge-off, and the true balance is {$1200.00}. XXXX also confirmed that XXXX XXXX XXXX was never authorized to report or collect on this account. This makes the reporting inaccurate under FCRA 1681s-2 ( a ) ( XXXX ) ( A ), which requires furnishers to report with maximum possible accuracy, and a false representation of authority under FDCPA 807 ( 2 ) ( A ). The Better Business Bureau has also informed me that XXXX XXXX XXXX could not be contacted for verification because the company is out of business, and I have attached that correspondence. This is a fraudulent and deceptive tradeline that is causing harm to me as a consumer. I am demanding immediate deletion of this account from all credit reports and requesting CFPB investigation into XXXX XXXX XXXX unlawful reporting practices

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 2025-09-21 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: NC

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports I notice some accounts I am not familiar with. I have sent the CRA 's notice of data breach. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my Id, the FTC complaint and a copy of the XXXX report showing my information being exposed in a national data breach and a notice letter of the data breach.

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 2025-09-21 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Subject : LVNV Funding Improper Collection Reporting Body : I dispute the LVNV Funding collection [ insert account number ]. LVNV is reporting balances and dates inconsistently across bureaus, violating FCRA 607 ( b ). No documentation proving assignment or ownership has been provided. Under 611 ( a ) and 623 ( a ) ( 3 ), unverifiable accounts must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: HI

Complaint narrative:
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX  or XXXX  ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: FL

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 2025-09-21 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I was reviewing my Equifax credit report and noticed inquiries that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: HI

Complaint narrative:
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX XXXX XXXX XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with non-monetary relief