vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: PR

Complaint narrative:
Date : XX/XX/year> To : Credit Control LLC Re : Account Number Unkown To Whom It May Concern, I am writing to you in response to your recent communication regarding the alleged debt mentioned above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting that you provide me with validation of this debt.

I dispute this debt in its entirety. Please provide the following information so that I may verify the accuracy of your claim : 1. Proof of Legal Authority : Documentation showing that you are legally authorized to collect this debt in my state.

2. Chain of Title : A complete list of all previous owners of this debt, including the original creditor.

3. Account Records : A copy of the original signed contract or agreement that created this debt, along with a full itemized statement of the alleged balance, including all interest, fees, and payments made.

4. Statute of Limitations : Documentation proving that this debt is within the statute of limitations for legal collection in my jurisdiction.

Notice of Limited Cease and Desist Furthermore, under 15 U.S.C. 1692c, I am exercising my right to restrict the manner in which you contact me. Cease and desist all telephone communication regarding this matter, whether to my home, my cellular phone, or my place of employment.

All future communication regarding this account must be sent to me exclusively in writing via the XXXX XXXX XXXX  at the address listed below.

Be advised that if you fail to provide the requested validation within 30 days but continue collection effortsor if you violate this cease and desist notice by calling meI will be forced to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I may pursue legal action for statutory damages. 

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 explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/year>, Experian completed a reinvestigation of a tradeline furnished by XXXX XXXX Bank, XXXX. ( XXXX XXXX ) and deleted the account from my Experian credit file. This deletion was confirmed in Experians dispute results. 

On or about XX/XX/year>, Experian reinserted the same XXXX XXXX tradeline into my credit file. The tradeline currently appears only on Experian and does not appear on XXXX  or XXXX. 

Experian did not provide any written notice of reinsertion within five ( 5 ) business days, nor did Experian provide proof of certification of accuracy prior to reinsertion, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

To date, I have received no reinsertion notice, no certification documentation, and no explanation justifying the reinsertion. 

This constitutes a clear violation of the Fair Credit Reporting Act.

Harm Caused Improper reporting on one bureau only Damage to my credit profile and accuracy Loss of statutory consumer protections Time and expense required to address non-compliance

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 2025-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I was approved for a purchased ( LOAN ), though XXXX, to buy a mattress under the brand XXXX. This financial operation was in the amount of {$1100.00}, which will be paid on an installment of 12 payments of XXXX. I started todo the payments on time and in the amount previously mentioned, bringing the balance to {$360.00}. On XX/XX/XXXX, I was not able to continued making the payments because I am still experiencing a severe financial hardship, as a result of the pandemic, I lost my job that I maintained for several years. Today I am XXXX XXXX XXXX. Although I have been desperately to find a part- job and full time employment, I have been not able to secure even an entry level position. 
Currently, my only source of income is the Social Security retirement. After paying a modest rent, I do not have enough money each month to get all my groceries, prescriptions, or personal care items. Most of the time I must go without my basic essential needs. 
I have ask on my letter that I have sent to Jefferson Capital Systems , LLC, Debt Collector of this debt, to consider this request for a HARDSHIP DISCHARGE of this debt. Any consideration to this request for a hardship discharge is greatly appreciated. If any other information or documentation is needed, please contact me at the information listed below. 
Thank you. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am requesting the CFPB to investigate Midland Credit Management for threatening and potentially unlawful levy actions in XXXX  specifically on funds that are exempt under state law and outside their legal authority. I am seeking protection of personal funds, cessation of unlawful collection threats, and guidance on next steps. 

The alleged debt is disputed, and MCM has not provided validation or proof of the original contract or my signature. 

Midland Credit Management sent me a bill statement that includes my name, but the account is not mine. 
They have never provided any original contract, signed agreement, or proof that I am legally obligated for this debt The documentation they provided does not verify that this debt belongs to me ; it merely shows a bill. There is no signature, original contract, or account documentation proving I agreed to the debt. 
Despite this lack of validation, Midland Credit Management has continued collection, including a levy that was placed on m account XX/XX/2025. 
I am requesting the CFPB to investigate Midland Credit Management for failure to validate the debt as required under the Fair Debt Collection Practices Act ( FDCPA ) and to ensure they cease collection attempts until proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I am filing a complaint against XXXX  for failure to stop ongoing unauthorized charges. A merchant ( XXXX ) has continued attempting to bill my account after I explicitly revoked authorization and after XXXX replaced my card number. 
Despite repeated contact, XXXX has stated they can not stop the merchant beyond issuing a new card, which has already failed because the merchant continues receiving updated card credentials through account updater services. XXXX  has refused or failed to place a merchant-level block or disable updater access for this merchant. 
As a result, I continue to be exposed to repeated unauthorized billing attempts. XXXX has not provided a meaningful resolution to stop the fraud despite clear notice. I am requesting regulatory review of XXXX failure to protect my account and stop unauthorized charges after revocation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: HI

Complaint narrative:
Company Name : Ally Financial Product Type : Credit reporting / Auto loan Issue : Inaccurate information on credit report / Failure to conduct reasonable investigation Complaint : I am filing this complaint regarding Ally Financials continued reporting of materially inaccurate, contradictory, and unverifiable information on my consumer credit reports, in direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ). 

The Ally Financial auto loan tradeline contains multiple internal inconsistencies that render the account legally inaccurate and incapable of verification. Specifically : The same Ally Financial account is reported with conflicting data across credit bureaus One portion of the tradeline states 100 % of payments made on time, while another reports only 85 % of payments made on time Late payment histories conflict ( XXXX versus XXXX for 30/60/90-day delinquencies ) for the same account Months reviewed is reported inconsistently, including entries reflecting zero months and others reflecting over 80 months The account reflects different last activity dates despite being closed and paid with a {$0.00} balance Ally Financial continues to report negative information after marking the account Dispute Resolved Consumer Disagrees, without providing documentary proof of validation These contradictions prove that Ally Financial is not reporting with maximum possible accuracy and is furnishing data that can not logically or factually coexist. A single account can not lawfully maintain multiple delinquency histories, payment percentages, or activity timelines. 

Furthermore, any prior verification of this account is invalid under the FCRA, as automated or superficial verification does not satisfy the requirement for a reasonable reinvestigation when the data itself is internally inconsistent. 

I am requesting that the CFPB require Ally Financial to : Produce full documentary evidence substantiating each alleged late payment, including billing statements and payment application records Disclose the exact method of verification used during prior disputes Immediately correct or delete all inaccurate and conflicting information associated with this account If Ally Financial can not provide complete documentation supporting every disputed data point, the continued reporting of this tradeline constitutes willful noncompliance with federal law. 

I am requesting regulatory intervention to compel Ally Financial to correct or delete this account and to cease furnishing inaccurate information. 

Desired Resolution : Immediate deletion or full correction of the Ally Financial tradeline due to unverifiable and contradictory reporting. 

Consumer Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: FL

Complaint narrative:
They have you open a ticket but that is it. No time frame for when an agent will get back with you. Also, can't locate my amortization schedule showing how payments are applied. Please help me. I believe customers should be able to reach a representative when it comes to car payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: NV

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-24 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 used PayPal to to pay for my flight booked through XXXX on XX/XX/XXXX. Within XXXX hours ( XX/XX/XXXX ), I canceled the flight according to XXXX 's full refund cancellation policy. However XXXX never refunded me. During this time XXXX has repeatedly confirmed by chat and email that I was due a refund. Since after XXXX days, the refund hasn't been sent back to PayPal, I filed a PayPal dispute with evidence showing the cancellation, screenshots of chats with agents, and emails from XXXX agents saying that I should be getting a refund. However PayPal continued denied my " seller agreed to a refund '' claim. I called PayPal and asked them what to do and the agent on the phone resubmitted my case, and again PayPal denied it. It appears that they're not even looking at the evidence I submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In or around XX/XX/year>, my credit card with Wells Fargo was closed by them without my consent. I had reward points and a XXXX balance. A second account under my name was opened by Wells Fargo without my knowledge or consent and there was a balance on this account. I did not receive a new credit card, or activate a new credit card, and I did not receive any statements. I only became aware from my 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 explanation
Consumer complaint received 2025-12-24 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: NY

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NY

Complaint narrative:
I filed for dispute for an XXXX as I wasnt able to travel because of the government shut down. This charge was on XX/XX/year> for {$390.00}. Cashapp denied my dispute and my appeal to the dispute. However on XX/XX/XXXX, I received a email from the XXXX company letting me know that cashapp filed a dispute. So I would really like to know whats going on, because they denied my dispute and appeal and now the company is emailing me a month later on XX/XX/XXXX to let me know that the company filed the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

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 2025-12-24 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:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

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 2025-12-24 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 am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-24 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: NY

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Imprint Payments, Inc.
State: NJ

Complaint narrative:
My 24 month no interest XXXXXXXX XXXX XXXXXXXX card was changed from XXXX to Imprint. When Imprint on boarded my card I was charged interest and LATE FEES. All this while I have the card on autopay and 24 months NO Interest. After calling 5 times, an agent finally reversed the fees and interest as it was an error. However, charges and fees have appeared again and now IMPRINT has falsely reported a late payment to the credit bureaus. I have been dealing with this for 2 months. Every call is at least an hour without a resolution.Assistance with this would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I have 2 credit cards with Chase bank that I paid off prior to a Bankruptcy I had to file due to a Mortgage with XXXX in XXXX. On the XXXX filing of the Bankruptcy ( judge made me file with an attorney ) Chase had mistakenly added the paid accounts back on my credit. I had told my attorney and reported the error to all three credit reporting agencies. The bill was paid at the branch near my house in XXXX, Utah. I have tried multiple times to get them to check my payments prior to the bankruptcy issues without success. XXXX XXXX XXXX XXXX was paid off on the same day as Chase. I literally drove across the street after paying them to pay Chase. I am asking for them to remove the bad debt from my account records at Chase and from my credit report. My payments prior to bankruptcy were without incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: NV

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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