vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I want to dispute and request the permanent removal of a collection account being reported on my credit file by XXXX XXXX. I have never heard of this company & need to obtain proper validation of this debt. no sufficient documentation can be provided by XXXX to demonstrate they have any legal authority to collect or report it. 
To be clear, XXXX XXXX is not the original creditor, and they have not provided any signed agreement or legally executed assignment proving ownership or transfer of this debt. I take my financial obligations seriously, but I also believe in ensuring all information reported about me is truthful, lawful, and fully verified. 
Here are the grounds for my request : Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I have the right to request proper validation. This includes the amount owed, the name of the original creditor, and verifiable proof of assignment or ownership. XXXX has not complied with this requirement in any meaningful way. 


Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), any item listed on my credit report must be accurate and verifiable. If a company is unable to confirm the validity of an account, it must be removed. In this case, LVNVs failure to verify the debt warrants immediate deletion.

Under the Uniform Commercial Code ( UCC 9-406 ( c ) ), if I, as the alleged debtor, request proof of assignment, it must be provided. Without valid documentationincluding a signed contract or executed assignmentXXXX lacks standing to collect or report this account. 


UCC 3-305 and 3-309 further outline that only a valid holder or a non-holder with holders rights can enforce a financial instrument. If the original instrument is lost, strict evidentiary standards apply. XXXX has not met any such burden. 


Given these legal standards and their failure to meet them, I am requesting : Permanent deletion with prejudice of this collection account from all credit reporting agencies. This means it should not be sold, transferred, or reinserted at a later date.

Monetary compensation, as allowed under 15 U.S.C. 1692k and 15 U.S.C. 1681n, for the harm causedsuch as lowered credit scores and denied opportunities for housing and transportation.

Written confirmation that this matter has been resolved and that the account has been 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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I want to dispute and request the permanent removal of a collection account being reported on my credit file by XXXX XXXX. I have never heard of this company & need to obtain proper validation of this debt. no sufficient documentation can be provided by XXXX to demonstrate they have any legal authority to collect or report it. 
To be clear, XXXX XXXX is not the original creditor, and they have not provided any signed agreement or legally executed assignment proving ownership or transfer of this debt. I take my financial obligations seriously, but I also believe in ensuring all information reported about me is truthful, lawful, and fully verified. 
Here are the grounds for my request : Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I have the right to request proper validation. This includes the amount owed, the name of the original creditor, and verifiable proof of assignment or ownership. XXXX has not complied with this requirement in any meaningful way. 


Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), any item listed on my credit report must be accurate and verifiable. If a company is unable to confirm the validity of an account, it must be removed. In this case, LVNVs failure to verify the debt warrants immediate deletion.

Under the Uniform Commercial Code ( UCC 9-406 ( c ) ), if I, as the alleged debtor, request proof of assignment, it must be provided. Without valid documentationincluding a signed contract or executed assignmentXXXX lacks standing to collect or report this account. 


UCC 3-305 and 3-309 further outline that only a valid holder or a non-holder with holders rights can enforce a financial instrument. If the original instrument is lost, strict evidentiary standards apply. XXXX has not met any such burden. 


Given these legal standards and their failure to meet them, I am requesting : Permanent deletion with prejudice of this collection account from all credit reporting agencies. This means it should not be sold, transferred, or reinserted at a later date. 


Monetary compensation, as allowed under 15 U.S.C. 1692k and 15 U.S.C. 1681n, for the harm causedsuch as lowered credit scores and denied opportunities for housing and transportation.

Written confirmation that this matter has been resolved and that the account has been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: ID

Complaint narrative:
LVNV is not the original creditor and paid to have the fraudulent accounts this is reported to XXXX Police Department as fraud yet this. XXXX continues each month to ruin my XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Email : XXXX XX/XX/XXXX Capital One, N.A. 
Attn : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX Re : Account ending XXXX Capital One CID : XXXX CFPB Complaint ID : XXXX Dear XXXX and the Customer Protection Team, Thank you for your XX/XX/XXXX response to my CFPB complaint. I appreciate the context of the XXXX outage. However, my concerns span multiple missing or delayed direct deposits between XX/XX/XXXX and XX/XX/XXXX, which are not explained by a one-week outage in XX/XX/XXXX. 

1. Examples of Missing/Delayed Deposits Expected Date Amount Description XX/XX/XXXX {$3400.00} Payroll from Infosys XX/XX/XXXX {$3400.00} Payroll from Infosys XX/XX/XXXX {$3400.00} Payroll from Infosys XX/XX/XXXX {$3400.00} Payroll from Infosys 2 . Documentation Requested - A detailed deposit history for account XXXX from XX/XX/XXXX through XX/XX/XXXX, including posting dates and originating bank identifiers. 
- Any trace or return codes showing why each of the above deposits ( and any others in that span ) did not post on the expected date. 
- Copies of any investigation work-papers or correspondence with your electronic-funds-transfer processor relating to those deposits. 

3. Next Steps Please complete your investigation and provide the requested documentation within 15 business days. If Capital One can not verify that any of these funds posted correctly, I request you immediately post the deposits or refund those amounts, plus any bank-imposed late-fees or overdraft charges that I incurred as a direct result of the delayed deposits. 

I have also forwarded this request to the CFPB for their tracking. Thank you for your prompt attentionresolving these posting errors is critical to restoring my confidence in Capital Ones electronic services. 

Sincerely, XXXX XXXX cc : Consumer Financial Protection Bureau ( CFPB ) XXXX Enclosures : Copy of Capital Ones XX/XX/XXXX response ; Account statements Jan 2024Feb 2024 ( highlighted missing transactions )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had a frustrating experience where I submitted payment on my XXXX XXXX XXXX but my bank, Wells Fargo, did not release the payment for XXXX weeks, during which time I was unable to use the card. I submitted payment on XX/XX/year> and it was posted to my bank account the next day, but despite everything looking to be in order on my end, the money was stuck in transit between my account and XXXX. I called both XXXX and Wells Fargo without any resolution to the issue. It was eventually resolved, as I was finally able to use my card again on XX/XX/XXXX, nearly XXXX weeks after submitting payment. So now I'm concerned about it happening again, and I want to make sure that banks aren't doing this kind of thing with other people who might be impacted more than simple inconvenience like I have undergone.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Im filing this complaint because I dont know what else to do at this point. Ive disputed the same two XXXX XXXX accounts over and over again, and while theyve been deleted more than once, they keep getting reinserted into my credit report without any proper notice, any certification, or any explanation. This has happened THREE times now. Im exhausted and extremely frustrated. I feel like Im being ignored, and my rights under the law are being completely disregarded. I already filed a CFPB complaint on XX/XX/2025, about this exact issue when the accounts were reinserted the second timeCase # XXXX. The company responded that they had deleted both XXXX XXXX accounts as a result of that dispute. And yet, here we are again. The same accounts have reappeared on my report, making this the third time Ive had to fight the same battle. This is not just carelessnessits clear, repeated misconduct. This is a direct violation of the Fair Credit Reporting Actspecifically 15 U.S.C. 1681i ( a ) and 1681i ( 5 ) ( B ) ( ii )- ( iii ). The law says if an account is deleted due to a dispute, it can not be reinserted unless : ( 1 ) the furnisher certifies the information is accurate and complete, and ( 2 ) the credit bureau provides written notice to me within five business days. Neither of those things happened. I never got any notice. I never received any verification or documentation. Nothing. Theyre just quietly re-adding the same accounts I already disputed and won. Thats not a technicality. Thats a serious legal violation. On top of that, the reporting is inconsistent between credit bureaus, which proves there is no reliability or accuracy in the data. Thats another violationof 15 U.S.C. 1681e ( b ), which requires all information in my file to be reported with maximum possible accuracy. They are failing miserably at that. Im tired of going in circles. This isnt a one-time mistake. Its happening again and again. Its reckless, its negligent, and at this point, it feels intentional. I AM DEMANDING THESE ACCOUNTS BE PERMANENTLY AND IMMEDIATELY DELETED FROM MY CREDIT FILE. No more reinsertions. No more verified without proof. No more silence. Im asking the CFPB to intervene and make sure this credit bureau is held accountable. I want to see the documentation theyre supposed to have. If they cant comply with the law, then they have no business reporting these accounts at all. I have a right to accurate reporting and a right to be notifiedand right now, both are being completely ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
XX/XX/XXXX. I filed claims against a merchant I've done previous business with that were double and triple charging several of my bank accounts Fraudulently. I tried working it out with the merchant 1st, but they wouldn't respond back to any emails so I had to report to the banking institutions that quickly took care of the situations all but PayPal. PayPal took the Claims, even their automated claim system identified the duplicated charges and attached them to each claim, and soon afterwards PayPal started sending me emails changing the nature of my claims, they permanently limited my account with over $ XXXX balance for no reason but a made up one and refuses to give me access to my funds in this prepaid account! Once they started changing the reasons of my claims, the started denying them! They even denied the ones with PayPal attached proof of duplicate charges which is beyond legally right! They should be definitely held accountable for all the unauthorized changes they've been illegal making on my account without my authorization and trying to get me to participate in as if I'm not noticing all the changes in my claims in the emails they are sending! I've literally addressed it in responding to one of the claims telling them I've changed nothing, they did, submitted the proof, they ignored it and went on to deny several claims afterwards. They allowed a merchant to steal upwards of thousands of dollars from me and when I addressed it, it seems they got upset and limited my account. I searched the internet and noticed I'm definitely not the 1st one or 1000th they've done this to! They feel using PayPal is a privilege and customers should accept the good with the bad meaning take any losses that comes along with the account. Nothing but horrible horror stories online. Heartbreaking to say the least. XXXX the little guy. I have the proof in black and white! Another Class Action Lawsuit? If that's what it takes. Someone should do it. I'll definitely be a Plaintiff. I'll attach exactly how they changed my claim, I'll attach me telling them they changed it themselves several times! Them not responding, them denying several claims WITH PayPal attached proof of duplicate transactions with the transaction numbers highlighted, so much immorality took place on this single account, it should be publicly addressed! I will file complaints with every Consumer Protection Agency there is in the United States. I pray someone would investigate and take legal action! I want my funds back ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: IL

Complaint narrative:
I am writing to formally dispute the validity of the above-referenced collection account being reported by XXXX XXXX XXXX XXXX This debt is the result of identity theft and is not my responsibility. 

I did not authorize the account in question, nor did I receive any goods or services related to it. I have included a copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ), as well as a copy of the police report I filed regarding this fraudulent activity. Also enclosed are copies of my proof of identity ( e.g., driver 's license and utility bill ) to support this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX XXXX XXXX XXXX XXXX I am writing to request an investigation of the following items on my credit report as provided by my rights under Section 609 of the Fair Credit Reporting Act ( FCRA ).

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 2025-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed my credit report and noticed a collection with a telephone company I have never had a account with that company nor have I signed a contract with XXXX XXXX XXXX. I notified them and was informed that this account was not mine. I have contacted the credit agencies on several occasions with no response. Please see attached documentation to delete from my credit report. 

XXXX XXXX XXXX acct # 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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: TX

Complaint narrative:
Ive been receiving alerts about my account being past due I called Mohela they stated that I had been dropped from school but been attending since XXXX up until XX/XX/year> they stated I was dropped XXXX different times and I wasnt Ive noticed negative and false credit reports that I believe are effective due to me attempting to apply for jobs and also start my business line of credit as the reports are inaccurate I followed up with XXXX XXXX and mohela as well which they both confirmed the errors Im in the process of a in school deferment but as I attempting to apply for business credit from lenders with my new established business I believe the inquiry makes a difference as it still shows and has been showing for months in now Im certain that all of this is on file in my records as well as theirs Im going through tough times right now I began to stress and became depressed once I starting receiving delinquent notices which took a toll on my grades and disrupted my focus on my exams All in all this definitely doesnt help my credit situation I believe it has only caused more harm and damages Im hoping to talk to someone about possible legal actions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: SLM CORPORATION
State: NY

Complaint narrative:
I am writing to dispute the accounts in my name with SALLIE MAE and XXXX XXXX XXXX I did not apply for or authorize these accounts, and I believe they are a result of identity theft. Under the Fair Credit Reporting Act, I request that you delete these accounts and notify the XXXX major credit bureaus to remove any references to these accounts from my credit reports. 

Date XX/XX/2024 - XX/XX/2024 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my XXXX XXXX XXXX XXXX.

I have attached a list of hard inquiries in question as well as a copy of the XXXX XXXX XXXX XXXX maintained by you which shows the aforementioned fraudulent items. HARD INQUIRIES : SALLIE MAE and XXXXXXXX XXXX XXXX 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my XXXX XXXX XXXX  maintained by you were not open, made, or initiated by me. 

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 as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud, action taken i sent letters but did not get a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: PA

Complaint narrative:
- XXXX  XXXX  - Balance : {$720.00} - Reported : XXXX - Original Creditor : Not Provided - XXXX XXXX XXXX Five late payments reported in XXXX I assert that these were reported in error or during a period of hardship. Per 15 U.S.C. 1681c-1, I request these delinquencies be removed. 

XXXX XXXX XXXXXXXX opened XX/XX/XXXX balance XXXX account number XXXX according to laws 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) 15 U.S.C 6502 15 U.S.C 1618 these items should be removed immediately.

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