vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
DISPUTE VERIFICATION COMPLAINT - TWO ACCOUNTS I disputed two accounts on my Equifax credit report as potentially inaccurate. Equifax claims to have " verified '' both accounts, but I believe their investigation was inadequate and violated the Fair Credit Reporting Act. 

ACCOUNT XXXX - XXXX XXXX XXXX - Account ending in XXXX XXXX - Amount : {$2600.00} - Equifax Confirmation # XXXX - Dispute Result Date : XX/XX/XXXX WHAT I DISPUTED : I do not recognize this debt and never received proper validation from the collector. The original creditor is not clearly identified on my credit report. 

WHAT EQUIFAX DID : They claim they " verified '' the debt but did NOT provide proof of how they verified it or what documentation XXXX XXXX provided. 

WHY THIS IS INADEQUATE : Under FCRA 1681i ( a ) ( 6 ), I have the right to know the method of verification. A simple confirmation from a debt collector is not sufficient. XXXX XXXX is a debt buyer and may not have proper documentation proving I owe this debt. 

ACCOUNT XXXX - XXXX XXXX XXXX XXXX XXXX Account ending in * XXXX - Amount : {$3600.00} - Equifax Confirmation XXXX XXXX - Dispute Result Date : XX/XX/XXXX WHAT I DISPUTED : I disputed the payment history showing XXXX days past due with last payment XX/XX/XXXX. The payment dates are inconsistent and may be inaccurate.

WHAT EQUIFAX DID : They claim they verified the account but did not address my specific dispute about payment dates or provide documentation.

FCRA VIOLATIONS : 1. Equifax did not conduct a reasonable investigation- they appear to have just confirmed data with furnishers without requesting documentation 2. They did not provide method of verification as required by law 3. This is " parroting '' creditor data, not investigating WHAT I AM REQUESTING : 1. Proper re-investigation with actual documentation from furnishers 2. Method of verification statement showing what Equifax did to verify 3. Deletion of unverified information if proper documentation can not be provided XXXX. For XXXX XXXX account : proof that they have legal right to collect this debt IMPACT ON ME : I am a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company. These unverified negative items are severely damaging my credit score and blocking my access to business financing.

I have attached the dispute result letters as proof.

RESOLUTION REQUESTED : - Order Equifax to conduct proper re-investigation with documentation - Require Equifax to provide method of verification statements- Delete unverified information from my credit report Thank you for investigating this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: U.S. BANCORP
State: OH

Complaint narrative:
XX/XX/year> I woke up on a Friday to move money to my savings account for bills but I was negative about {$200.00} and I found that weird as I just got paid that day. So I looked about found I had money stole from me from XXXX I contacts the US bank and they said they will open a claim. A few days later XXXX gave me the money back and then two days later the bank did. I called the bank as soon as I saw and the man on the fraud help line told me since I already got it from XXXX to keep both. He had a thick XXXX accent so I didnt think I understood him so I asked again but it was the same. I then told him I dont think he understood that the bank sent a credit. He said he did and to keep both. That brings me to XX/XX/year> I still have no card and cant even buy gas but I just got a letter saying they were taking the money back from the bank. I problem was I was told I could keep it. I need it for bills. If possible please send a email or text I cant talk on phone 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 2025-11-30 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
In XX/XX/year>, a company identified as Resurgent Capital Services/LVNV Funding began reporting a collection account for {$39000.00} allegedly purchased from XXXX XXXX XXXX XXXX XXXX The collection account appeared on my credit reports in XX/XX/year> with no prior notice, communication, or validation. 

On XX/XX/year>, I sent a written debt validation request to the company asking for verification as required under FDCPA 1692g ( b ) and Texas Finance Code 392.202. I also requested the original signed agreement, proof of assignment or chain of title, itemized accounting, and proof of licensing and bonding in Texas.

The company did not provide any validation. Instead, it continued reporting to the credit bureaus even though the debt was disputed and unverified. This violates FDCPA 1692e, 1692f, and FCRA 1681s-2 ( a ), which prohibits reporting unverifiable or inaccurate information.

Additionally, the company did not provide proof of ownership or evidence that it has legal standing to collect or furnish information. No copy of any contract, no bill of sale, no accounting breakdown, and no Texas-required collection bond was provided.

Despite failing to validate, Resurgent/LVNV continued collection efforts and continued to furnish the account to the credit bureaus, which I believe violates the Fair Credit Reporting Act and Texas Finance Code 392.304 ( false or misleading collection ). 

I am requesting that this account be investigated and removed because the company has failed to prove any legal authority to collect, report, or pursue this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: CO

Complaint narrative:
I took out a loan for XXXX XXXX and they have been taking out XXXX/week out of my bank since XXXX XXXX I figured the loan was close to being paid off so I called them and said they won't be paid off til XXXX of XXXX, they said I could pay it off now if I wanted to. I was angry and hung up, I figured it out and it comes to XXXXXXXX XXXX on a XXXXXXXX XXXX loan that has to be illegal. So I started the complaint process and will be complaining to the attorney generals office also.

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 2025-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I had a data breach in XX/XX/XXXX. 
On XX/XX/XXXX a charge was put on my Citicard account for {$2000.00} for Best Buy. This was not mine. 
{$2000.00} was reversed, uncertain as to date. 
On XXXX {$2000.00} was charged again. 
On XX/XX/XXXX I filed an incident/investigation report with XXXX XXXX XXXX XXXX XXXX XXXX 
On XX/XX/XXXX I was charged {$29.00} late fee. 
On XX/XX/XXXX I was charged {$58.00} interest. 
On XX/XX/XXXX I was charged a {$40.00} late fee. 
On XX/XX/XXXX I was charged {$57.00} interest. 
On XX/XX/XXXX, {$57.00} interest was reversed and {$58.00} interest was reversed and {$29.00} late fee was reversed and {$40.00} late fee was reversed. 
On XX/XX/XXXX statement {$2000.00} was reversed. 
I wrote XXXX letters, had XXXX phone calls and received at least XXXX pieces of mail from Citi. Every time I wrote, I reiterated that I didn't want this to affect my credit report. 
To add confusion to the issue, on all of the written correspondence, three different account numbers are used. Additionally, I have received info from XXXX, which could be related. 
My credit report with Experian shows a drop of XXXX points on my score and this account as being late. 
I was in communication from the very beginning of this issue and continued communication. And yet, Citi rewards me by dinging me for being late.

I have 50 pages of scanned documentation, but the file is to big to upload.

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 2025-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Our mortgage for property in Alaska was transferred to Shellpoint. Their first letter informing us was dated XX/XX/XXXX. Our XX/XX/XXXX statements began charging Property Inspection Disbursement Fees of $ XXXX. I asked for an explanation but nobody could answer so paid {$220.00} in XX/XX/XXXX to avoid late fees but the charges continue. I filed an inquiry and kept getting responses that they were " looking into it. '' I filed a second complaint and finally received an explanation in XX/XX/XXXX. I consider this a predatory lending fee on a vacant lot. I'd like a refund and a cessation of the property disbursement fee. We have NEVER had a fee like this with previous lenders and have had this mortgage prior to XXXX. I have researched this " charge '' and learned that it is considered a predatory lending charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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 am reporting an issue involving ten unauthorized PayPal transactions totaling {$1000.00}. Each charge was for {$100.00} and was processed on XX/XX/year>, to a company called XXXX XXXX XXXX. XXXX. I did not authorize any of these payments. I have never used, contacted, or had an account with this company. 

On XX/XX/year>, PayPal texted me asking to confirm a {$100.00} purchase. I responded immediately that I did NOT authorize the transaction, and I have a screenshot of this message showing my denial. PayPal replied that they would open a fraud case. Despite this clear notice, PayPal still proceeded to authorize the payment and then processed nine additional duplicate charges the next day. These payments were authorized by PayPal, not by me.

When I filed a dispute, PayPal incorrectly categorized the case as an authorized transaction and automatically closed it. I reopened the claim as an unauthorized transaction, but PayPal later changed it without my consent to a did not receive goods or services case. This misclassification allowed the seller to respond that the product was delivered, which is irrelevant because the core issue is that these were unauthorized transactions. PayPal accepted the sellers response rather than addressing the fraud claim, and they denied my case.

PayPal has also stated that I received email notifications of these purchases, but this is inaccurate. I have email records showing no receipts or payment confirmations were ever sent for any of these transactions. The only communication I received was the initial text message asking me to confirm the first charge, and I clearly stated that I did not authorize it. Please refer to the attached pictures in this complaint.

My bank, XXXX XXXX, investigated these charges under Fraud Claim # XXXX and determined the transactions were fraudulent. They refunded the full amount to me. Despite this, PayPal continues to insist these were authorized charges and claims I owe them money, even though the transactions were fraudulent and were authorized by PayPal after I explicitly denied them.

I have also filed an FTC Identity Theft Report. I am requesting that the CFPB assist with getting PayPal to treat these transactions properly as unauthorized, remove the negative balance from my PayPal account, and correct their mishandling of this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Hello. 
On XX/XX/year> I mailed TransUnion a document certified from the XXXX XXXX XXXX Arizona, called a Certificate Of Search, stating that I have never filed for bankruptcy. 
The clerk shared some information that this claim belongs to someone with a similar name, and the same last 4 digits of our social security number. I have disputed this with TransUnion about 12 times, with no progress. XXXX XXXX XXXXXXXX XXXX Arizona stated that they did not report this to TransUnion and we are unsure of the third party involved, so i am unable to communicate this information with them. The Bankruptcy claim is incorrect information and i need it removed 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 non-monetary relief
Consumer complaint received 2025-11-30 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: SC

Complaint narrative:
1. Facts of the Complaint On XX/XX/year>, I submitted a written dispute to XXXX XXXX XXXX via XXXX certified mail regarding inaccurate and incomplete information furnished to the credit reporting agencies. The letter was delivered to the address XXXX XXXX is reporting to the credit bureaus under my social security number on XXXX XXXX. 
Despite receiving my dispute, the creditor failed to mark the account as disputed by consumer within 30 days. 
As of XX/XX/year>, the derogatory account continues to appear on my credit reports without any dispute notation. 
This omission misrepresents the status of the debt, harms my creditworthiness, and violates federal law.

2. Violations of Federal Law The creditors failure to report the account as disputed constitutes violations of multiple statutes and regulations : Fair Credit Reporting Act ( FCRA ) : o 15 U.S.C. 1681s-2 ( a ) ( 3 ) : Furnishers must notify consumer reporting agencies when a debt is disputed.

o 15 U.S.C. 1681s-2 ( b ) : Upon notice of a dispute, furnishers must investigate and update reporting.

o 15 U.S.C. 1681i ( c ) : CRAs must note disputes in consumer files ; failure by furnishers prevents compliance.

Fair Debt Collection Practices Act ( FDCPA ) : o 15 U.S.C. 1692e ( 8 ) : Debt collectors must not communicate false credit information, including failing to report that a debt is disputed.

Regulation V ( 12 C.F.R. 1022.43 ) : o Requires furnishers to conduct a reasonable investigation of direct disputes and report results accurately.

Federal Trade Commission Act, Section 5 ( 15 U.S.C. 45 ) : o Prohibits unfair or deceptive acts or practices. Misrepresenting the status of a debt by omitting the dispute notation is deceptive.

3. Supporting Documentation Attached are : A copy of my written dispute letter dated XXXX XXXX Proof of delivery/receipt by 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 2025-11-30 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: IL

Complaint narrative:
I am filing a complaint against XXXX XXXX regarding an identity theft-related account ( ending in XXXX ) that I did not open. I previously submitted an FCRA 605 ( b ) Identity Theft Claim along with supporting documents. XXXX XXXX denied my claim, stating that I made payment arrangements on the account. 
Any communication I had with XXXX XXXX occurred before I knew the account was fraudulent and was made in confusion while attempting to understand the nature of the debt. This does not constitute acceptance of liability under the FCRA. 
XXXX XXXX also sent an Application Information Form, which merely repeats information typed into an online application and does not prove I applied for or authorized the account. They failed to provide IP address logs, device data, authentication records, call recordings, or any evidence required to deny a 605 ( b ) block.

I sent a formal rebuttal and a demand for evidence under FCRA 609 ( e ), but XXXX XXXX has not provided the legally required documentation. 
I am requesting CFPB assistance to : XXXX. XXXX XXXX XXXX to comply with FCRA 605 ( b ) and block the fraudulent account. 
XXXX. Require XXXX XXXX to provide all business records relied upon per FCRA 609 ( e ).

3. Require cessation of collection and reporting of the fraudulent account.

I am a victim of identity theft and need CFPB support to compel compliance with federal law.

Attached is original and follow up 605b letter proof of identity and address police report and DOCUMENTS THEY SENT IN MAIL AS PROOF

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 2025-11-30 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: IL

Complaint narrative:
I am filing a complaint against XXXX XXXX regarding an identity theft-related account ( ending in XXXX ) that I did not open. I previously submitted an FCRA 605 ( b ) Identity Theft Claim along with supporting documents. XXXX XXXX denied my claim, stating that I made payment arrangements on the account. 
Any communication I had with XXXX XXXX occurred before I knew the account was fraudulent and was made in confusion while attempting to understand the nature of the debt. This does not constitute acceptance of liability under the FCRA. 
XXXX XXXX also sent an Application Information Form, which merely repeats information typed into an online application and does not prove I applied for or authorized the account. They failed to provide IP address logs, device data, authentication records, call recordings, or any evidence required to deny a 605 ( b ) block.

I sent a formal rebuttal and a demand for evidence under FCRA 609 ( e ), but XXXX XXXX has not provided the legally required documentation. 
I am requesting CFPB assistance to : 1. Require XXXX XXXX to comply with FCRA 605 ( b ) and block the fraudulent account. 
XXXX. Require XXXX XXXX to provide all business records relied upon per FCRA 609 ( e ). 
XXXX. Require cessation of collection and reporting of the fraudulent account. 
I am a victim of identity theft and need CFPB support to compel compliance with federal law.

Attached is original and follow up 605b letter proof of identity and address police report and DOCUMENTS THEY SENT IN MAIL AS PROOF

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MS

Complaint narrative:
My XXXX credit report is showing completely incorrect balance information for a MOHELA-serviced federal student loan ( account ending in XXXX ). The XX/XX/year> XXXX  dispute results ( Confirmation # XXXX ) show a reported balance of {>= $1,000,000}, which is impossible. The original loan amount was approximately {$23000.00}. 

I disputed this error with XXXX but Equifax stated that MOHELA verified this {$3.00} XXXX balance as accurate. MOHELA did not provide any explanation or documentation that could justify this number. 

This incorrect multi-million-dollar balance is severely harming my credit and is blocking me from obtaining accurate credit evaluations. 

I am requesting that MOHELA : Correct the reported balance to the accurate amount ; or Delete the tradeline entirely if they can not verify the correct balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
1-I am revoking consent for you to contact me further only by mail.

2- please validate the debt. Send me proof that I am legally obligated to pay you.

3- isc ( inited states code ) 1681 I 7 full detailed information on how the debt was validated like required by law. The business name, email address, and all other important information. Do not send me a bill for validation.

4- original signed contract between both parties ( wet signature ) between both parties. Detailed itemized bill.

5- chain of custody Include bill of sale. 
You bought a file not a contract.

I request validation and demand deletion of all.

6- full payment history Bookkeeping entry per gap 7- has there been any insurance claim like a 1099 C filed? We files a XXXXXXXX XXXX This is income now. 
8- purchase agreement Loan sale agreement Forward flow agreement 9- its illegal for a charge off to be on a credit report after a 1099C was filed. Once a creditor files a 1099C the debt is discharged and is not collectable.

10- Regulation F Was the debt securitized? 
Was the debt sold to A trust? 

Federal law requires all extensions of credit to be 100 % collateral deposit actual cash and no such deposit was ever made. Thats fraud by omission and fraud by non disclosure. If a contract is fraud by omission it is void XXXX XXXX meaning its dead on arrival. 
What banks do is they use your signature and turn that into a credit entry. Then the bank loans that credit back to you. This process is called credit creation. This is not a true loan of the banks money. 
11-Banks are required to fund allll extensions pf credits with 100 % cash collectual that is stated in title 12 of the usc section 371 and in public law 89485. If the bank did not risk its own money then the bank loaned nothing.

Title 15 usc 1692 You can not report negative items on my credit report. I also need to give you written permission or verbal permission to publish my personal information, I never did, This is identity theft lawsuit possible. 

You will have 30 days to respond UCC 1-308 Without recourse XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation