vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 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: NC

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Complaint Against XXXX XXXX Account # XXXX To Whom It May Concern, I am disputing the accuracy and validity of the account listed as XXXX XXXX Account # XXXX. I deny owing this debt and I refuse to pay it. 

Under the standard set forth in XXXX XXXX XXXX, verification requires a certification or attestation of the facts proving that the debt is actually owed. To this date, I have received no such notice or verification from XXXX XXXX that would establish the validity of this account. Without proper certification, your continued reporting is unlawful. 

Furthermore, I am placing you on notice that you have 14 days from receipt of this complaint to remove this account from all of my credit files. If you fail to do so, I will pursue all available legal remedies. 

Please also be advised that XXXX XXXX XXXX. internal policies and procedures do not override federal law, and XXXX XXXX, as a non-affiliated third party, has no legal right to access or report any information about my private financial contracts or personal financial data. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for illegal and deceptive debt collection practices. 

On or about XX/XX/year>, XXXX XXXX claimed that I had been personally served with a lawsuit summons. This is false and impossible. On that date, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was never personally served with any summons or complaint. 

I had no prior knowledge of this alleged debt or lawsuit until after a judgment was entered. 

XXXX XXXX never sent me a bill, validation notice, or proof of debt, despite contacting me. This violates the FDCPA requirement to provide written notice of debt within XXXX  days of first contact. 

The lawsuit proceeded without my knowledge, depriving me of due process. 

By misrepresenting service and failing to validate the debt, XXXX XXXX engaged in deceptive, unfair, and unlawful debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: CO

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I received notification about this collections acct on my credit reportI have no knowledge of this acct

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 2025-09-06 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: FL

Complaint narrative:
I am the victim of identity theft and data breaches, which resulted in fraudulent accounts being reported on my credit file. Under the Fair Credit Reporting Act, Section 605B, credit reporting agencies are required to block and remove all information resulting from identity theft within XXXX business days of receiving proof. Despite providing documentation, the accounts remain, causing harm to my credit profile. 

Additionally, my personal information was compromised in multiple nationwide data breaches, further increasing the likelihood of identity theft. I have submitted disputes and supporting documents, yet the company has failed to properly investigate or permanently remove these fraudulent accounts. 

I am requesting immediate compliance with FCRA Section 605B, including the blocking and deletion of all identity-theft related information

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 2025-09-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I'm filling a complain against Wells Fargo Dealer Services for inaccurate and misleading reporting of a paid auto loan account this is negatively impacting my life and is making me very XXXX. This account has a balance of zero, with the date of last payment on XX/XX/XXXX with XXXX XXXX XXXX and the date of last payment on XX/XX/XXXX with XXXX. Under 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This information is unverifiable, inconsistent, or incorrect. Which violates the FCRA 623 ( a ) ( 5 ) requires that if a furnisher reports a delinquent account to a consumer reporting agency ( CRA ) that has been charged off, placed for collection, or subjected to similar action, they must also provide the CRA with the date of delinquency that immediately preceded that action. Using a later date may result in unlawful re-aging of the account. As a furnisher XXXX  must review all relevant documentation and respond appropriately to direct disputes.

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 2025-09-06 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: TN

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX : Account Name XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {XXXX} Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : XXXX} Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1000.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
Sent XX/XX/year> Debt Contract Request I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Sent XX/XX/year> Custom Reason I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. This includes Bill of sales to to collection agency and my signed signature of the new contract between the agency and myself and date. Delete Immediately off 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 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Complaint Against Portfolio RC Account # XXXX To Whom It May Concern, I am disputing the accuracy and validity of the account listed as Portfolio RC Account # XXXX. I deny owing this debt and I refuse to pay it. 

Under the standard set forth in XXXX XXXX XXXX, verification requires a certification or attestation of the facts proving that the debt is actually owed. To this date, I have received no such notice or verification from Portfolio RC that would establish the validity of this account. Without proper certification, your continued reporting is unlawful. 

Furthermore, I am placing you on notice that you have XXXX days from receipt of this complaint to remove this account from all of my credit files. If you fail to do so, I will pursue all available legal remedies. 

Please also be advised that XXXX XXXX XXXX. internal policies and procedures do not override federal law, and Portfolio RC, as a non-affiliated third party, has no legal right to access or report any information about my private financial contracts or personal financial data. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I had a personal and business Venmo account. I used my business account for a singular transaction. My personal Venmo was used often for small transactions usually through my childrens sports teams. Out of nowhere, on XX/XX/year> while I was attempting to delete my business Venmo account since I hadnt used it in a long time, Venmo froze both of my accounts and shortly after suspended my accounts.

I asked for information regarding the suspension multiple times, and Venmo refused to provide any information other than As a reminder, the Venmo User Agreement describes situations that can lead to an account limitation, including use of the account for activities described in PayPal 's Acceptable Use Policy that are either prohibited or require pre-approval. During this time, you won't be able to send or receive money, and may not be able to withdraw money. I reviewed the User Agreement and PayPals Acceptable Use Policy, and I have not had any transactions that should affect my account. I have never made any suspicious transactions nor any large amounts of money. All transactions were between friends, family, or for my childrens sports teams. 

Venmo ultimately refused to reinstate my account. All questions I asked were answered via an automated email response. They also refused to provide any information as to why my account had been frozen and subsequently suspended. As a single parent, its extremely inconveniencing to not be able to use my account, especially when they have not provided a reason. I did not break the terms of their agreement, and XXXX not sure why this has happened. 

This is an unfair business practice ( that reeks of discrimination ) to suspend an account and not provide any reason or rationale.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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:
Pre-Arbitration Demand for Removal of Inaccurate Late Payment Reporting To Whom It May Concern : This letter serves as my formal * * pre-arbitration demand * * regarding the continued reporting of inaccurate late payments on my credit file. I have previously disputed this matter in good faith, providing evidence that several creditors have failed to comply with 15 USC 1666b and 15 USC 1637 ( b ) by not providing periodic statements at least XXXX days prior to the payment due date. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Be advised of the following potential liabilities under the FCRA : -Statutory damages : Up to {$1000.00} per violation -Attorneys fees and costs : Paid by the violator -Punitive damages : When reckless or willful disregard is proven In addition, your refusal to correct these inaccuracies may expose you to class-action liability if widespread reporting issues are uncovered. 


Despite my requests for verification, no proof has been provided that these requirements were met. Therefore, the reporting of these late payments is inaccurate, unfair, and unlawful under the Fair Credit Reporting Act ( FCRA ). 

You are hereby placed on notice that if these inaccurate late payment entries are not deleted from my consumer credit reports within * * XXXX days of receipt of this letter * *, I will have no alternative but to proceed with arbitration and seek damages, legal fees, and all remedies available under the law. 

This is your final opportunity to resolve this matter before arbitration proceedings are initiated. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: IL

Complaint narrative:
XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX actions that are directly affecting my reputation and creditworthiness. Let me remind XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that we are communicating through a government agency website. Please keep in mind what I said earlier about operating in good faith. To reiterate my demands regarding the handling of my consumer report, it is imperative that both parties operate in good faith and adhere to the legal obligations outlined in the Fair Credit Reporting Act ( FCRA ). As per my rights under 15 USC 1681b ( a ) ( 2 ), I am directing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX promptly update its tradeline to paid as agreed never late on my consumer report. This action is non-negotiable and must be completed within XXXX days. Furthermore, under 15 USC 1681i ( a ) ( 1 ) ( a ), XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is obligated to launch an investigation into my dispute and provide the results within 30 days of receipt. Failure to comply with this requirement will result in legal action and civil penalties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On or about XX/XX/XXXX my account was locked. I called to speak to a representative and was told I needed to wait for a letter in the mail with a code. I have not received the letter and my bank refuses to give me access to my account.

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 2025-09-06 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 complaint is not in error. My credit report shows accounts I never opened or authorized. Their presence is inaccurate, misleading, and damaging to my credit.

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 2025-09-06 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: NV

Complaint narrative:
The deck is still showing on my credit report even though we agreed to a settlement amount of over {$3000.00} I pay the {$3000.00} and the balance only went down by the XXXX instead of settling the full debt. The collection was originally placed on my credit in XXXX then reestablish with a different debt collector in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: KY

Complaint narrative:
Complaint Against PayPal XXXX XXXX Af

ter Account Limitation PayPal permanently limited my account without providing a clear reason. They are currently holding my balance of {$48.00} and state they may keep it for up to 180 days. If I owed PayPal money, they would demand payment immediately or send me to collections, yet when PayPal owes me, they hold my money for months without justification. I have no open disputes, no chargebacks, and no issues on my account. I am requesting that PayPal release my funds immediately instead of forcing me to wait 120180 days. This delay is unfair, unreasonable, and creates unnecessary hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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:
I previously submitted complaints to the CFPB on XX/XX/year>, regarding inaccurate and unlawful reporting on my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), consumer reporting agencies are required to investigate disputed information within 30 days ( or 15 days when information is provided by the CFPB ) and delete or correct inaccurate or unverifiable information.

Despite this, the CFPB has not ordered correction of the violations I reported. In addition, since my initial filing, additional inaccurate and misleading accounts have appeared on my credit report, which must be removed immediately.

The following laws and violations are relevant : FCRA, 15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of consumer information. Reporting incorrect or outdated accounts violates this requirement.

FCRA, 15 U.S.C. 1681c ( a ) : Prohibits reporting of obsolete information such as accounts past the reporting period ( generally 7 years for delinquencies ). Any account still showing as past due after that period is unlawful.

FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) : If disputed information can not be verified, the credit bureau must delete it immediately from the consumer report.

CFPB Regulation V ( 12 C.F.R. Part 1022 ) : Implements the FCRA and requires furnishers and bureaus to maintain accuracy and correct errors promptly when notified.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e : Prohibits the use of false, deceptive, or misleading representations in connection with credit or debt reporting. Furnishing inaccurate account statuses violates this provision.

I should not continue to see these items on my credit report after filing with the CFPB and submitting valid disputes. By failing to ensure compliance, the CFPB is not honoring its own stated timelines and policies. 

For reference, here are my Complaint IDs that will be attached to every report until this matter is resolved : XXXX XXXX XXXX I am demanding that the CFPB enforce the FCRA and FDCPA provisions requiring immediate removal of inaccurate, unverifiable, or obsolete information. Continued reporting of these items is a direct violation of federal law and CFPBs regulatory authority.

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