vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
Re : Complaint Against XXXX XXXX XXXX and Professional Debt Mediation , Inc . 

To Whom It May Concern, I am submitting a complaint regarding the handling of a debt placed with Professional Debt Mediation , Inc. by XXXX XXXX XXXX. 

- The debt in the amount of {$400.00} has been paid in full.

- Despite this, the account was reported to the credit bureaus.

- I only discovered this debt after noticing a drop in my credit score and reviewing my credit report.

- No written notice or validation was ever provided to me prior to this reporting, as required under the Fair Debt Collection Practices Act ( FDCPA ).

This failure to provide notice is a violation of federal consumer protection law and has caused inaccurate and unfair reporting under the Fair Credit Reporting Act ( FCRA ), as well as measurable harm to my credit standing.

I respectfully request the following : 1. Removal of the reported collection account from all credit bureaus.

2. Written confirmation that this account will not be re-reported.

3. Assurance of compliance with FDCPA requirements for future matters.

Attached are supporting documents, including proof of payment and the collection agencys correspondence.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have been getting repeat calls from Portfolio Recovery Associates about a very old debt. I asked them to send me a letter with details about the debt but they refuse to. I also asked them to stop calling me about this and they continue to call multiple times per day, if I dont answer they will call atleast 3 times back to back. When they asked me for a credit card number to set up a payment plan, I told them at this time I cant financially do anything, they got angry and hung up on me. They wont take no for an answer and continue to harass me every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Foris DAX, Inc.
State: AZ

Complaint narrative:
I have asked XXXX XXXX account numerous times. Hello, I have been waiting since XX/XX/year> for the withdrawal amount to be reviewed and Im still waiting and need for it to be resolved. My account number for my XXXX account is XXXX. Its still saying Under Review and the customer service hasnt responded back. Its XX/XX/XXXX and the amount of the withdrawal that Im still waiting on is {$5300.00}. Please help. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am being harassed by Jefferson Capital Systems at XXXX XXXX XXXX for a debt I do not owe. 
I bought an item on XXXX  months ago and it was supposedly shipped from XXXX but i never received it. I told XXXX  as well and they neglected to discharge the debt because I did not receive the product. This debt it not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-09-25 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: GA

Complaint narrative:
Late payment. Representative on their end promised to transfer money from my account to my mortgage on the back end due to them having system issues while I was on gee phone. This was not done in time resulting in a late payment.

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 2025-09-25 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: GA

Complaint narrative:
Late payment. Representative on their end promised to transfer money from my account to my mortgage on the back end due to them having system issues while I was on gee phone. This was not done in time resulting in a late payment.

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 2025-09-25 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: GA

Complaint narrative:
Late payment. Representative on their end promised to transfer money from my account to my mortgage on the back end due to them having system issues while I was on gee phone. This was not done in time resulting in a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
On XX/XX/year>, Sams Club canceled my membership, and I was informed that a refund of {$110.00} had been processed. But Sam 's Club can not process the refund.

The card originally shown on my cancellation receipt is no longer active, which means the funds have not been received. Despite multiple follow-ups through Sams Club advocates and resolution specialists, I still have not been provided with a clear resolution or a working refund.

I have fully cooperated by providing my contact information and by contacting my bank as advised, but to date, the refund has not been made available to me.

I am requesting that Sams Club promptly reissue the refund to my active card or provide an alternative method ( such as a mailed check ) and confirm the transaction details in writing.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am filing this complaint because Experian is reporting inaccurate and unverifiable information on my credit file which is causing me serious harm. The account XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$230.00} is being reported with a late payment history that is completely false since I have never made a late payment on this account and such reporting violates the Fair Credit Reporting Act which requires maximum possible accuracy. The account XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$9900.00} is reported as a charge-off, but the reporting is inaccurate, inconsistent, and does not comply with Metro 2 standards or FCRA requirements for accuracy and completeness, and no proper validation has been provided to me proving that this reporting is lawful. The account XXXX  XXXX opened on XX/XX/XXXX with a balance of {$410.00} is being reported as a collection even though I have never received any proper validation or notice of this alleged debt, which makes it unverifiable and unlawful under the FCRA and FDCPA. These accounts are damaging my credit reputation, lowering my score, and restricting my fair access to credit opportunities even though the information being reported is not accurate or fully verifiable. I am requesting that the Consumer Financial Protection Bureau investigate this matter and require Experian and the furnishers to immediately correct or delete these accounts from my credit reports because the law requires only accurate, complete, and verifiable information to be reported.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted factual disputes to Experian and TransUnion regarding a bankruptcy that is being reported on my credit file. This bankruptcy is not mine, and there are inaccuracies in the information being reported. As required by the FCRA, if the item can not be verified, it must be deleted from my report. Despite my disputes, the bankruptcy remains on my credit file without proper verification or correction.

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 2025-09-25 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: IN

Complaint narrative:
I am submitting this complaint because my credit reports are being harmed by inaccurate and unverifiable information that is being reported and maintained in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). TransUnion has allowed several accounts to be reported without proper verification, accuracy, or compliance with the law, which is causing me financial and personal harm. 

The account XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$230.00} is being reported with late payment history that is entirely false because I have never made a late payment on this account, and such inaccurate reporting violates my rights under FCRA which requires maximum possible accuracy. The account XXXX  XXXX opened on XX/XX/XXXX with a balance of {$140.00} is listed as a collection even though I have never received any proper notice or validation of this debt and it remains unverifiable. The account XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$570.00} is also being reported as a collection without any lawful validation, which is misleading, incomplete, and in violation of the FDCPA. The account XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$9900.00} is reported as a charge-off, but the reporting is inconsistent, inaccurate, and does not comply with Metro 2 standards or FCRA requirements for complete and accurate data. The account XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$760.00} is reported as a collection with inaccurate and unverifiable details, and no supporting evidence has been provided to me to substantiate the accuracy of this account. The account XXXX  XXXX opened on XX/XX/XXXX with a balance of {$410.00} is also listed as a collection despite the fact that I have never received any proof or proper validation, making this reporting unverifiable and unlawful. 

All of these accounts are either inaccurately reported, unverifiable, or both, which is a violation of FCRA Sections 602, 607, 609, and 611, and FDCPA Section 809 regarding debt validation. These errors are damaging my credit reputation and causing me harm in areas such as creditworthiness, financial stability, and fair access to credit opportunities. I am requesting that the Consumer Financial Protection Bureau investigate this matter and require the furnishers and the credit reporting agency to immediately correct or delete these accounts from my credit reports, as the law requires only accurate and verifiable information to be reported.

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 2025-09-25 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: TX

Complaint narrative:
I hereby contest the late payment and delinquent status currently reported. Those entries are not accurate, and I request that they be updated to Paid as Agreed and all references to delinquency be erased.

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 2025-09-25 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: DE

Complaint narrative:
In Accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 action 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of formation, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND TRANSUNION DID NOT RESPOND/SENT A STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ).

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 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Date Opened XX/XX/year> Balance {$1200.00} Account Number : XXXX LVNV Bought The Debt Which To Me Means They Own It And They Owe Whatever Debt. I Dont Know Who The Original Debtor Is. I Am A Victim Of Fraud And Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UPGRADE, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX paid off a loan was due a refund. Make contact with Uplift/XXXX  and was told the refund was being directly deposited into my account and the next 2 to 3 business days. Called a second time ( spoke to a Supervisor ) XX/XX/XXXX and was told that the attempt to direct deposit was not successful and that a certified check had been mailed to my home. Call back today, XX/XX/XXXX was told no check was mailed - and that on the XXXX an check was being electronically sent to my checking accoubt again.... the same one they had tried previously. Then was told to wait 3-5 more business days for the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: SC

Complaint narrative:
This is showing on my credit file. I was once removed and now it is showing again as I have never had business with this company and no one will provide me with a contract I supposedly had with them.. When I google I can not find any information on this company as well. 

SOUTHWEST RECOVERY SERVICE XXXX XXXX XXXX Report date : XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation