vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX Email : XXXX XXXX XXXX Date : XX/XX/year> Credit Control Service Re : Formal Dispute and Demand for Validation of Alleged Debt Pursuant to FDCPA and FCRA To Whom It May Concern, This letter is a formal notice that I am disputing the alleged debt you claim I owe. I am demanding validation and verification under 15 U.S. Code 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S. Code 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ).

You are hereby notified to cease all collection activity and refrain from reporting this alleged debt to any credit reporting agency until you provide the following : 1. A copy of the original contract or agreement bearing my signature, which legally obligates me to the debt ; 2. A complete payment history, including charge-off documents, the name of the original creditor, and any documentation showing that you are legally authorized to collect this debt ; 3. Proof of chain of custody/assignment, showing how and when you obtained the debt ; 4. The exact amount of the alleged debt, with an itemized accounting of any interest, fees, or other charges added ; 5. Your debt collector license number and the issuing state authority.

Until this information is fully provided, you are in violation of federal law if you continue to report this debt to credit bureaus, make collection attempts, or threaten legal action. Should you fail to comply, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

Additionally, be advised that continued reporting of inaccurate, unverifiable, or false information to credit bureaus constitutes a violation of 15 U.S. Code 1681s-2 ( b ), and I will pursue all available remedies including civil action, statutory damages, and attorneys fees.

I expect a response within 30 days, as required by law. If you can not fully validate this debt, you must immediately delete all references to it from my credit reports and provide written confirmation of such action.

This letter serves as notice that you are not to contact me via phone under any circumstances. All communication must be in writing and mailed to the address listed above. 
Sincerely, XXXX XXXX

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 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diverse Funding Associates LLC
State: TN

Complaint narrative:
I am writing to dispute the following information that appears on my Transunion report from XX/XX/year> : Collection account from XXXX XXXX with account and a balance of {$1100.00}. The original creditor is XXXX XXXX. 
I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. 
Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally sent this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: AL

Complaint narrative:
I filed an online dispute with Experian on XXXX, in regards to inaccuracies on my credit report, within XXXX hours they emailed me results from my dispute, stating the accounts can not be removed because they were accurate, I would like to know how can you thoroughly do an investigation in XXXX hours, also everytime I dispute an error or a collection the date opened date changes, therefore making it seem as though the collection was just added to the report, when in all actuality it's been on my report for years, they just change the date opened dates, I would like for your company to look into Experian investigation practices, if they operate in that fashion no inaccuracies can be removed because of what the date says, I know for a fact no creditors has contacted Experian within XXXX hours, I truly believe they just look at the dates, and decide the items shouldn't be removed without doing a thorough investigation, your immediate attention to this matter will be greatly appreciated..... Thanks

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am submitting this complaint to report multiple inaccuracies in my credit file that are damaging my financial standing and rights as a consumer. These include two unverifiable collection accounts reported by XXXX XXXX and numerous addresses on my credit report that are entirely unfamiliar to me. Despite prior disputes and reinvestigation requests submitted to the credit bureaus, the accounts and incorrect addresses remain, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Disputed Collection Accounts : XXXX XXXX Account # XXXX Reported with a high balance of {$430.00} and an open date of XX/XX/year>. I do not recognize this debt and have received no documentation or original creditor validation. The reporting of this collection without verification violates FCRA 611 and 623. 

XXXX XXXX Account # XXXX Reported as a separate collection for {$660.00}, opened on XX/XX/year>. This tradeline also lacks validation and appears without a legitimate basis. Its continued reporting despite my disputes constitutes willful or negligent noncompliance with the FCRA. 

Disputed Personal Information Incorrect Addresses : The following addresses are not and have never been associated with me. Their inclusion may result from file merging errors or identity inaccuracies and violates FCRA 607 ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy : XXXX XXXX XXXX, XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OK XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OK XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XXXX XXXX XXXX, XXXX, AZ XXXX These addresses raise the possibility of identity confusion and compromise the accuracy of my file, causing harm in credit evaluations and other verifications.

Impact and Requested Action : As a result of these inaccuracies, I have faced credit denials, higher interest rates, and emotional distress. I am requesting the CFPB assist in compelling the credit reporting agencies to : Remove or correct the disputed XXXX Funding accounts if they can not be fully validated Delete all incorrect addresses not verifiably linked to my identity Provide written confirmation of all corrections made If unresolved, I intend to escalate this further and pursue legal action under FCRA 1681n and 1681o for statutory damages.

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 2025-05-29 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: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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

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 2025-05-29 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: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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

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 2025-05-29 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : DPT EDXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF ED/XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : DEPT OF ED/XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX, XXXX XXXX XXXXXXXX # 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 2025-05-29 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: CA

Complaint narrative:
I purchased 2 event tickets from XXXX on XX/XX/XXXX. I was told to look for an email with tickets. This never happened. I reported to XXXX and they kept asking me to wait. I reported an issue on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX when the tickets were NEVER transferred to me. They are supposed to have a guarantee ( see document ) and they are refusing to refund me even though I never got the tickets. Since I paid through PAYPAL, I immediately opened a dispute with them and I provided written communication with XXXX about not receiving the event tickets and needing a refund. All of this evidence was provided to PayPal. For some reason they ruled on the favor of the seller WITHOUT providing me with any reason ( XXXX ) or evidence to support their decision. 

Paypal is refusing to provide me with evidence that these event tickets were delivered to me. As such, they should have followed their own policies and refunded me in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MO

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
On or about XX/XX/year>, the law firm XXXX XXXX XXXX, XXXX, acting on behalf of LVNV Funding, XXXX, accessed my XXXX  credit report without my authorization, prior notice, or a valid credit relationship. 

At the time, I had already disputed the alleged debt as fraudulent and reported the matter as identity theft through the FTC ( Report XXXX. XXXX ) and the Michigan State Police. Despite being informed of this, the company proceeded to initiate a debt collection lawsuit in state court without providing any signed agreement or documentation showing I owed the debt. 

Their court filings contained statements such as This is a communication from a debt collector, which exposed sensitive debt information to third parties like court personnel and process servers. This public disclosure has caused me emotional and financial distress. 

I submitted a Motion to Dismiss in court, noting the lack of a valid contract, ownership documents, payment history, or permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. I also submitted an affidavit and supporting evidence, including the FTC Identity Theft Report, court filings, and a sworn statement contesting the validity and ownership of the alleged {$2300.00} debt. 

To date, I have received no explanation from either party justifying the credit inquiry or collection attempt, and the improper access remains on my credit report. 

Suggested Actions for CFPB to Request : -Removal of the unauthorized credit inquiry from XXXX  XXXX 

-A formal written explanation from XXXX XXXX XXXX XXXX their permissible purpose. 

-Enforcement action for violations of the FCRA, FDCPA, and Michigan 's Regulation of Collection Practices Act. 

-A reaffirmation of my rights as a consumer and identity theft victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened 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 2025-05-29 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: GA

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
This COMPLAINT serves as a formal follow-up to my previous complaint submitted last month regarding inaccurate and damaging information being reported on my credit file. I am requesting your immediate assistance in launching a formal investigation into the reporting of a late payment that I categorically deny.

I have never been late on the account ( s ) in question. I have always made my payments on time and have maintained a responsible credit history. The inclusion of any late payment ( s ) on my credit report is inaccurate and a clear reporting error, either by your agency or the original creditor.

This inaccurate information is causing me significant distress and has already resulted in a wrongful denial of credit, which was not only financially damaging but personally embarrassing. As you are no doubt aware, credit bureaus are legally obligated to ensure the accuracy of consumer data under the Fair Credit Reporting Act ( FCRA ). 

ACCOUNT:1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$29000.00} Date Opened : XX/XX/scrub>/2024 Under 15 U.S. Code 1681 ( a ) : ( 1 ) The banking system depends on accurate and fair credit reporting. Errors disrupt system efficiency and damage consumer trust.

( 3 ) Consumer reporting agencies have a critical duty to properly assemble and evaluate information on consumers.

Given that the reported late payment is erroneous, I am formally requesting that : A full reinvestigation of this item be conducted in accordance with the FCRA.

The inaccurate late payment entry be permanently removed from my credit report.

My credit file be updated to reflect my accurate payment history.

Please consider this a formal dispute under the FCRA. I respectfully request that you provide written confirmation once this error has been investigated and removed.

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 2025-05-29 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:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the following accounts listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with XXXX compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions. 

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights.

You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed accounts, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs.

The following accounts do not belong to me, as they are fraudulent. The banks have agreed to remove these accounts from my records. Im confused why you still feel theyre reporting accurately. Please see these accounts are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SO OR XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Kikoff Inc.
State: NY

Complaint narrative:
I checked my credit report for the first time in life and seen repetitive accounts that do not belong to me nor do I have knowledge of

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation