vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital/ Jefferson Capital System reported a debt that they claim that I owe from XXXX XXXX. XXXX is a company that is no longer and I was with XXXX XXXX XXXX for XXXX years and now currently with XXXX. I sent a request through a certified letter to an address that I was given by Jefferson Capital. That address was incorrect and the certified letter was returned as undelivered to the address provided. Jefferson Capital reported thus debt to the credit bureaus and reported this as a new debt. Jefferson Capital report this debt as open on XX/XX/XXXX, XXXX as a new debt. I was in the hospital being treat for XXXX around that time frame. They have an account number on my credit files as XXXX. Upon my research This debt is more than XXXX years old. I have notified Jefferson Capital that this debt was a result of fraud and sent the police report. Police report # XXXX. I also requested that Jefferson Capital send me any original contracts or agreements with my signature and yet they have refused. I was told if I did not pay this debt that they would severly damage my credit. They continue to create new debt dates and report them to all credit agencies without proof of this debt. I have sent several request to remove this from my credit because this is not my debt and because of the age of this debt. I advised that I am aware that this debt is over XXXX XXXX XXXX and may be time-barred by the statute of limitations in my state. I have gotten the run around with Jefferson Capital with no proof of this being my debt. I only have wet signatures because of the fraud I have dealt with in my past with people stilling my identity. Please see the latest request below in form of a letter that was sent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Request for Debt Validation To Whom It May Concern : I am writing in response to your [ letter/phone call ] received on XX/XX/year> regarding an alleged debt. Please be advised that I dispute this debt and am requesting validation as provided for under the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to 15 U.S.C. 1692g, I request the following : XXXX. The amount of the debt. 
XXXX. The name of the original creditor. 
XXXX. Documentation that I am legally obligated to pay this debt. 
XXXX. Verification of your authority to collect on this debt, especially given that the original creditor is no longer in business. 
XXXX. A copy of the last billing statement from the original creditor. 

Please also be advised that I am aware that this debt is over XXXX XXXX XXXX and may be time-barred by the statute of limitations in my state. If you believe otherwise, provide documentation proving that the statute has not expired. 

Until you provide this information, I request that you cease all collection activities. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  FIN Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX OF XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : $ XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : $ XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {>= $1,000,000} XX/XX/XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {>= $1,000,000} XX/XX/XXXX - Account Number : XXXX, Date Opened : XXXX XXXX XXXX, Balance : {>= $1,000,000} XX/XX/XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {>= $1,000,000} XX/XX/XXXX - Account Number : XXXX, Date Opened : XXXX XXXX XXXX Balance : {>= $1,000,000} XX/XX/XXXX - Account Number : XXXX, Date Opened : XXXX XXXX, Balance : {>= $1,000,000} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-02 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: Monterey Financial Services LLC
State: CA

Complaint narrative:
THERE WAS A LAWSUIT FILED WITH CAREER STEP. ALL LOANED FUNDS WERE TO BE PAID BACK AS WELL AS ANY DEBT REMOVED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: CA

Complaint narrative:
THERE WAS A LAWSUIT FILED WITH XXXX XXXX. ALL LOANED FUNDS WERE TO BE PAID BACK AS WELL AS ANY DEBT 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 2025-09-02 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: CA

Complaint narrative:
THERE WAS A LAWSUIT FILED WITH XXXX XXXX. ALL LOANED FUNDS WERE TO BE PAID BACK AS WELL AS ANY DEBT 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 2025-09-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Had opened account put XXXX XXXX in account my trust was to be direct deposited as well as ssdi and other deposits from government for disaster relief funds that were also to be deposited and account was frozen and was not able to see or find out why my deposits were not coming in as well as was given a fact account and not told what was going on with account just kept getting nothing and was told deposits were made but couldn't ever see the funds come in due to error on bank end or we're being redirected or sent bank don't really know why they said was fraud but was XXXX issued to me so not understanding were my funds were going over a XXXX dollars gone from account that had came in with more direct deposits awaiting process and have stoped my funds from coming in to the bank for no reason hadn't done anything to account but put cash in it

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This letter serves as a formal follow-up regarding my previously disputed items on file across the XXXX Bureaus. Despite my prior requests, the following inaccurate and unverifiable accounts remain on my credit report : XXXX XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: GA

Complaint narrative:
Good afternoon my name is XXXX, Im filling for identity theft for these fraudulent accounts that are reporting on my credit report I need these accounts blocked and removed from my credit report in 4 days in pursuant to FCRA XXXX ( 15 U.S.C 1681 c-2 ) mi identity theft report is XXXX. XXXX XXXX Bank opened XXXX account number XXXX, XXXX Bank opened XXXX account number XXXX, XXXX opened XXXX account number XXXX. If this comes back verified that's a violation of the FCRA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
I received both of these letters offering fake loans. When you call in to accept the loan they want access to your personal bank account login and password. Then they say they will deposit a sum of money into your account and want you to withdrawal it and send it back to them saying by doing that it will raise your credit score so they can fund your loan.

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 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
A credit report appears on my credit and is giving me some issues because is affecting my credit score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 
All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I sold an item on an online clothing marketplace ( XXXX. ) I entered my banking info through depop so it could be deposited through paypal. I waited 3-4 days for the money to be deposited and the minute it deposited ( XXXX XXXX  ) PayPal emailed me that its been credited to my account. On the same minute another email came through notifying me that my account has been limited due to someone making another account with my name ( which was completely false as when i contacted them by number they never concurred to this being the reason of my account limitation. ) I did in fact contact them through phone about this issue and the man on the line put me on a couple brief holds trying to find out the cause of this limitation. He then comes back on the phone after the final hold decreeing that my account is permanently limited and i can no longer use paypal due to suspicious activity i incurred on what said activity was and he said he couldnt disclose that for security reasons. 

I have {$120.00} within the account being held XXXX by this company money i earned fairly and i can not wait the insane 180 days theyre demanding me to suffer through. I need a way to get this money out asap this entire situation is fabricated as the email they sent me originally for my account limitation was false and only as premise to hold my funds. As before i had the deposit done there was no issue with someone else using my name for their paypal account this email came the same minute i received the money before i could even withdraw it. 

For more their vagueness relating the my account limitation is also abysmal. They cant even disclose why my account was permanently suspended and tell me exactly what the suspicious activity was.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
On XXXX XXXX LVNV tapped a letter on a door at an address that is not mine, in a state I do not live in. 
The letter was from XXXX XXXX XXXX XXXX saying that I was being sued by LVNV Funding in the amount of {$1600.00}. and I would need to appear in court in XXXX XXXX. 
On XXXX XXXX I contacted the court to let them know I did not live in XXXX  XXXX had no way to get to the court and that the debt needed to be validated. 
I was advised by the court there was nothing they could do, and I would need to write the judge. 
On XX/XX/year> I emailed the judge and a few days later I received a call stating the judge rescheduled a new court date. 
I reached out to LVNV Funding by certified mail XX/XX/XXXX asking them to validate that I owe LVNV a debt. 
Today is XXXX XXXX and I have yet to receive a response. 
They have not provided me any information about the account in question and are trying to sue me in a state I do not live or have ever lived.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: MI

Complaint narrative:
Dispute Letter Repossession Removal ( CFPB ) Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.C. XXXX Re : Formal Complaint and Request for Investigation Inaccurate Bankruptcy and Repossession Reporting Dear CFPB, I am writing to file a formal complaint under the Fair Credit Reporting Act ( FCRA ) and request your immediate investigation into inaccurate and damaging information being reported on my Experian and TransUnion credit reports. 
The accounts in question are : - Repossession Account # : Pursuant to 15 U.S.C. 1681i ( FCRA XXXX ), consumers have the right to dispute incomplete or inaccurate information and to have it deleted if the furnisher can not provide verified, complete, and accurate documentation. 
Additionally, under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. I have reason to believe that both the bankruptcy and repossession reporting fail to meet this standard for the following reasons : XXXX. Lack of proper verification : Neither Experian nor TransUnion has provided original source documentation bearing my signature or direct evidence of the alleged account ( XXXX ) in compliance with FCRA guidelines. 
XXXX. Potential violation of privacy and procedure : According to 15 U.S.C. 1681b, my information may not be furnished or shared except for permissible purposes. There is no permissible purpose for continuing to report unverifiable or inaccurate information. 
XXXX. Incomplete or inconsistent reporting : The information being reported is inconsistent across bureaus, which violates the requirement of maximum possible accuracy. 
Requested Action Under FCRA 15 U.S.C. 1681i ( a ) ( XXXX ), I am requesting : - Immediate deletion of the bankruptcy and repossession from my Experian and TransUnion reports due to the lack of verified, accurate, and complete documentation. 
- Documentation of all parties you contact during this investigation. 
- A full copy of any information you receive from the furnishers in response to this complaint. 
Please note that continued reporting of unverifiable information after this formal dispute constitutes willful noncompliance with FCRA and may result in further action, including complaints with the FTC and potential civil claims under 15 U.S.C. 1681n.

Attached : - Copy of my drivers license/ID - Proof of address - Recent Experian & TransUnion reports highlighting the disputed accounts Please respond within the XXXX investigation window required under federal law.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Dispute Letter Repossession Removal ( CFPB ) Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Complaint and Request for Investigation Inaccurate Bankruptcy and Repossession Reporting Dear CFPB, I am writing to file a formal complaint under the Fair Credit Reporting Act ( FCRA ) and request your immediate investigation into inaccurate and damaging information being reported on my XXXX  and XXXX  credit reports. 
The accounts in question are : - Repossession Account XXXX XXXX Pursuant to 15 U.S.C. 1681i ( FCRA 611 ), consumers have the right to dispute incomplete or inaccurate information and to have it deleted if the furnisher can not provide verified, complete, and accurate documentation.

Additionally, under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. I have reason to believe that both the bankruptcy and repossession reporting fail to meet this standard for the following reasons : XXXX. Lack of proper verification : Neither XXXX  nor XXXX  has provided original source documentation bearing my signature or direct evidence of the alleged account ( XXXX ) in compliance with FCRA guidelines. 
XXXX. Potential violation of privacy and procedure : According to 15 U.S.C. 1681b, my information may not be furnished or shared except for permissible purposes. There is no permissible purpose for continuing to report unverifiable or inaccurate information.

3. Incomplete or inconsistent reporting : The information being reported is inconsistent across bureaus, which violates the requirement of maximum possible accuracy.

Requested Action Under FCRA 15 U.S.C. 1681i ( a ) ( 5 ), I am requesting : - Immediate deletion of the bankruptcy and repossession from my XXXX  and XXXX  reports due to the lack of verified, accurate, and complete documentation. 
- Documentation of all parties you contact during this investigation. 
- A full copy of any information you receive from the furnishers in response to this complaint. 
Please note that continued reporting of unverifiable information after this formal dispute constitutes willful noncompliance with FCRA and may result in further action, including complaints with the FTC and potential civil claims under 15 U.S.C. 1681n. 
Attached : - Copy of my drivers license/ID - Proof of address - Recent XXXX  & XXXX  reports highlighting the disputed accounts Please respond within the 30-day investigation window required under federal law.

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