vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: GA

Complaint narrative:
To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$3000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1400.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2500.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$260.00}

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am requesting that the Consumer Financial Protection Bureau instruct the credit bureaus to update the following accounts to reflect their correct current status : XXXX. XXXX Bank This account is incorrectly showing as derogatory. It needs to be updated to reflect XXXX or XXXX as Agreed across all bureaus. 
XXXX. XXXX XXXX Bank This account is also still marked as derogatory. It is a closed account and should be updated to remove the late notation and show standard paid status.

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 2025-04-24 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I request the immediate removal of this late payment from my account, as it does not accurately reflect my payment history. I have always made payments on time, and this incorrect entry is unfair. Please update my account accordingly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Subject : Complaint against PayPal and Banks Reversals of Legitimate Transactions Related to Crypto Payments To whom it may concern, My name is XXXX XXXX XXXX, and I am submitting this complaint concerning unfair and damaging financial actions taken by PayPal and Banks. 

Between XX/XX/year>, over hundreds of individuals voluntarily and knowingly used PayPal to send money to purchase cryptocurrency or membership packages from a company called XXXX XXXX. Each of these individuals made their own purchase decisions after receiving the cryptocurrency or package access. 

Now, after the company ceased operations, some individuals have filed chargebacks or disputes with PayPal and their banks, claiming unauthorized transactions. As a result, PayPal and certain banks are deducting money from our accountsthose of the recipientsas if we had committed fraud, even though there is clear evidence ( chats, payment records, transaction IDs ) proving that these payments were made willingly by the senders. 

We are being unfairly penalized and financially harmed due to these reversed payments, even though we did not sell or manage the products. The transactions were peer-to-peer, and our role was solely to receive the funds sent by those now disputing the payments. 

We respectfully request an investigation and any appropriate intervention to protect us from this abuse of the chargeback and refund systems. 

XXXX : XXXX XXXX XXXX XXXX  Paypal : 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 Paypal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paypal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paypal XXXX XXXX XXXX XXXX  Paypal : XXXX XXXX XXXX  I am available to provide supporting documents, testimonies, and further explanation. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: Alliance One, Inc.
State: PA

Complaint narrative:
1. AllianceOne Receivables Management sent me a collection letter on XX/XX/XXXX, offering payment plans on an account with XXXX XXXX ending in XXXX. 
2. I requested debt validation per FDCPA. AllianceOne replied on XXXX XXXX XXXX, claiming the account was closed with them and I should contact XXXX XXXX. No validation documents were ever provided. 
3. XXXX  XXXX, in a letter dated XX/XX/XXXX, confirmed the account was sold to XXXX XXXX XXXX and directed all future communication there. 
4. On XX/XX/XXXX, XXXX XXXX confirmed the debt was charged off on XX/XX/XXXX, but refused to issue a 1099-C, even though the balance was over {$3000.00}. 
5. XXXX XXXX XXXX, in their XX/XX/XXXX response via the CFPB portal, confirmed that they now own the XXXX  XXXX account and two additional accounts ( from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), providing purchase dates and amounts. 
6. XXXX second page says they fulfilled their validation obligations using seller-provided documents, but no signed contracts or complete billing history were provided. 
Violations - AllianceOne attempted to collect a debt without validating it, then claimed they no longer owned it. 
- XXXX XXXX charged off and sold the debt, yet failed to issue a 1099-C, violating IRS Code 6050P. 
- Multiple agencies attempted to collect or report on the same account, possibly violating FCRAs accuracy requirements. 
- XXXX XXXX claims validation but lacks full documentation per FDCPA requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX. XXXX XXXX XXXX sent me a collection letter on XX/XX/XXXX, offering payment plans on an account with Capital One ending in XXXX. 
2. I requested debt validation per FDCPA. XXXX replied on XX/XX/XXXX, claiming the account was closed with them and I should contact Capital One. No validation documents were ever provided. 
3. Capital One, in a letter dated XX/XX/XXXX, confirmed the account was sold to XXXX XXXX XXXX and directed all future communication there. 
4. On XX/XX/XXXX, Capital One confirmed the debt was charged off on XX/XX/XXXX, but refused to issue a 1099-C, even though the balance was over {$3000.00}. 
5. XXXX XXXX XXXX, in their XX/XX/XXXX response via the CFPB portal, confirmed that they now own the Capital One account and two additional accounts ( from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), providing purchase dates and amounts. 
6. XXXX second page says they fulfilled their validation obligations using seller-provided documents, but no signed contracts or complete billing history were provided. 
Violations - XXXX attempted to collect a debt without validating it, then claimed they no longer owned it. 
- Capital One charged off and sold the debt, yet failed to issue a 1099-C, violating IRS Code 6050P.

- Multiple agencies attempted to collect or report on the same account, possibly violating FCRAs accuracy requirements. 
- XXXX XXXX claims validation but lacks full documentation per FDCPA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
1. XXXX XXXX XXXX sent me a collection letter on XX/XX/XXXX, offering payment plans on an account with XXXX XXXX ending in XXXX. 
2. I requested debt validation per FDCPA. XXXX replied on XX/XX/XXXX, claiming the account was closed with them and I should contact XXXX XXXX. No validation documents were ever provided. 
3. XXXX  XXXX, in a letter dated XX/XX/XXXX, confirmed the account was sold to Midland Credit Management and directed all future communication there. 
4. On XX/XX/XXXX, XXXX XXXX confirmed the debt was charged off on XX/XX/XXXX, but refused to issue a 1099-C, even though the balance was over {$3000.00}. 
5. Midland Credit Management, in their XX/XX/XXXX response via the CFPB portal, confirmed that they now own the XXXX XXXX account and two additional accounts ( from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), providing purchase dates and amounts. 
6. Midlands second page says they fulfilled their validation obligations using seller-provided documents, but no signed contracts or complete billing history were provided. 
Violations - XXXX attempted to collect a debt without validating it, then claimed they no longer owned it. 
- XXXX  XXXX charged off and sold the debt, yet failed to issue a 1099-C, violating IRS Code 6050P. 
- Multiple agencies attempted to collect or report on the same account, possibly violating FCRAs accuracy requirements. 
- Midland Credit claims validation but lacks full documentation per FDCPA requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX * * * * - XXXX - XX/XX/XXXX - {$0.00} XXXX * * * * - XXXX - XX/XX/XXXX - {$14000.00} XXXX * * * * - XXXX - XX/XX/XXXX - {$0.00} XXXX * * * * XXXX XXXX - XX/XX/XXXX - {$130.00} XXXX * * * * - XXXX XXXX  - XX/XX/XXXX - {$960.00} XXXX * * * * - XXXXXXXX XXXX  - XX/XX/XXXX - {$76.00} XXXX * * * * - XXXX XXXX XXXX  - XX/XX/XXXX - {$2200.00} XXXX * * * * - XXXX - XX/XX/XXXX - {$230.00} XXXX * * * * - XXXX XXXX - XX/XX/XXXX - {$400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX * * * * - XXXX - XX/XX/XXXX - {$0.00} XXXX * * * * - XXXX - XX/XX/XXXX - {$14000.00} XXXX * * * * - XXXX - XX/XX/XXXX - {$0.00} XXXX * * * * XXXX XXXX - XX/XX/XXXX - {$130.00} XXXX * * * * - XXXX XXXX  - XX/XX/XXXX - {$960.00} XXXX * * * * - XXXXXXXX XXXX  - XX/XX/XXXX - {$76.00} XXXX * * * * - XXXX XXXX XXXX  - XX/XX/XXXX - {$2200.00} XXXX * * * * - XXXX - XX/XX/XXXX - {$230.00} XXXX * * * * - XXXX XXXX - XX/XX/XXXX - {$400.00}

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 2025-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SilverLake Financial LLC
State: TX

Complaint narrative:
I was misled by a Silverlake Financial representative, XXXX XXXX, regarding the nature of the program I enrolled in. I was told this was a debt modification plan one that would not require missed payments, would not significantly harm my credit, and would allow me to stay current with creditors while reducing my monthly burden. 

Based on these assurances, I canceled my existing debt settlement plan with XXXX XXXX XXXX, losing all progress I had made there. 

However, after receiving the contract from Silverlake Financial, I discovered that the program is a standard debt settlement plan that : Requires me to stop making payments to my creditors Exposes me to delinquencies, charge-offs, and potential lawsuits May cause substantial damage to my credit Involves negotiating settlements for less than the full amount owed, just like NDR This was not disclosed clearly upfront, and in fact, I was assured the opposite by XXXX XXXX XXXX I feel I was deceived and pressured to make a decision under false pretenses. 

I want Silverlake Financial to immediately cancel my enrollment without penalty, confirm that no fees will be charged or collected, and be held accountable for the misleading sales practices that caused financial and emotional harm. 

I am also submitting this complaint to the XXXX XXXX XXXX and the Texas Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Lendmark Financial Services
State: GA

Complaint narrative:
I initially purchased a XXXX XXXX XXXX at a dealership in XXXX Virginia in ( I think ) the winter months of XXXX or XXXX. The sale amount was ( I think ) {$12000.00} and I put {$2000.00} down. The loan was approved by a lender called Lendmark. Here is is in XXXX and the payoff is {$7300.00}. There was only one month where I missed a payment. It does not matter how many payments I make, the pay off fluctuates between {$7100.00} to {$7500.00}. This loan was structured in a way that it would never be paid off and to trap me in debt. I tried refinancing this loan a few years ago to bring the interest rate down. Not only did the refinance raise the interest rate, it raised my payment amount. I borrowed {$500.00} during the refinance. Something was done very insidiously throughout this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
b'CAPITAL ONE  Credit Card  Balance: $XXXX\nAccount # XXXX XXXX Credit Limit XXXX $3,000.00 Last Reported XXXX\nAccount Type XXXX XXXX XXXX XXXX XXXX $0.00 (!) Date Last Active\nXXXX\nXXXX (!)\nAccount Type\nDetail\nCredit Card Balance XXXX XXXX Date of Last\nPayment XXXX\nXXXX\nAccount Status\nXXXX\nDerog Past Due XXXX XXXX Date Opened XXXX\nXXXX (!)\nBureau Code Individual Monthly Payment\nXXXX\n$0.00 7 Year History 30: 1 60: 1 90:3 (!)\nPayment Status\nXXXX\nColl/Chargeoff No. of Months\n(terms) XXXX\n0'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: MI

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to 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 2025-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to 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 non-monetary relief
Consumer complaint received 2025-04-24 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX {$5700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX {$5100.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$2600.00}

Company response to consumer: Closed with explanation