vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
, I was contacted by Jefferson Capital LLC regarding a debt they claim I owe {$1500.00}. I do not recognize this debt and formally requested debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I sent a written debt validation request via certified mail. 

As of today, Jefferson Capital LLC has not provided any validation of the debt. Despite my request, they have without providing proof that the debt is legitimate.

I am submitting this complaint to request that Jefferson Capital LLC provide proper validation of the alleged debt and cease any inappropriate collection actions until validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: PA

Complaint narrative:
XXXX Card Account # XXXX Dispute of Inaccurate Reporting Dear Sir/Madam : I am writing to dispute and demand deletion of inaccurate information on my Equifax credit report regarding the above XXXX Card account. That account shows multiple late payments that I did not incur. The FCRA mandates fair and accurate credit reporting. In particular, 15 U.S.C. 1681 ( FCRA 602 ) and 1681e ( b ) ( FCRA 607 ) require you to adopt procedures to ensure maximum possible accuracy. Section 611 ( 15 U.S.C. 1681i ) further obligates you to conduct a full reinvestigation of disputed information. Your past responses have not met these standards. 

To date you have only indicated that XXXX verified these late payments without providing any documentation. Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ), I have the right to a detailed description of how you determined the accuracy of this information, including any verification methods and contacts with the furnisher. I therefore demand the following documentation and information : A complete copy of the original signed credit card agreement for the XXXX XXXX account in question. 
All application metadata related to this account, including the IP address, geolocation, and timestamp of any online or electronic application. 

Audio recordings or transcripts of any telephone calls used in opening or authorizing this account. 

XXXX internal verification logs or monthly statements for this account that detail payment and verification history. 

A thorough description of all procedures you used during any prior dispute reinvestigations of this account, including the exact method of verification employed and the identity of anyone contacted at XXXX. 

These documents are essential to substantiating the late-payment entries. Because none has been provided, the delinquencies are unverified. Under 15 U.S.C. 1681i ( a ) ( 5 ), unverified or inaccurate items must be deleted from my file. Your continued reporting of these false late payments violates the FCRA and must cease.

The presence of these unverified late payments is causing me real harm. I have been denied credit and financing and have had difficulty securing housing due to these inaccuracies. This ongoing damage to my creditworthiness is unacceptable and directly violates the FCRAs protections.

In summary, I invoke my rights under FCRA 602, 609, and 611 to demand a full reinvestigation and documentation of this account. Please confirm receipt of this dispute and complete your reinvestigation within the 30 days allowed by law. Provide me with written results and the requested evidence. If you fail to comply, I will pursue enforcement through the Consumer Financial Protection Bureau, the Federal Trade Commission, and legal remedies under 15 U.S.C. 1681n-1681o.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Subject : Resurgent Capital Services Attempting to Collect Disputed Debt Sold During XXXX XXXX Resurgent Capital Services is attempting to collect {$1600.00} on behalf of LVNV Funding LLC ( Reference ID XXXX, original account with XXXX XXXX XXXX  ending in XXXX ). This debt is invalid and I dispute it in its entirety. 

Background : On XX/XX/year>, I filed a Fair Credit Billing Act dispute with XXXX XXXX Bank for {$1500.00} in fraudulent XXXX charges. XXXX XXXXXXXX violated FCBA by : Providing only partial credit ( {$270.00} ) without explanation Reporting my account late during my active dispute ( XXXXXXXX XXXX  ) Selling my account to LVNV Funding on XX/XX/XXXX, XXXX days before the XXXX closed their investigation of XXXX XXXX XXXX XXXX violations XXXX Case # XXXX ) Why this debt collection is unlawful : Debt was under active dispute : XXXX XXXXXXXX sold this account while it was subject to an active FCBA billing dispute and OCC regulatory investigation Amount is inflated : The {$1600.00} claimed includes approximately {$340.00} in unlawful late fees and interest charged during my dispute period. The legitimate balance ( if any ) should not exceed {$1200.00} No valid debt verification : Resurgent can not verify this debt because XXXX  XXXX never properly validated the underlying XXXX charges before selling the account Improper sale : XXXX  XXXX had no legal authority to sell a disputed debt during active regulatory investigation I sent Resurgent a written debt validation dispute on [ INSERT DATE YOU MAILED IT ], but they have not ceased collection activity as required by FDCPA XXXX692g.

Attached documentation : My debt validation dispute letter to Resurgent dated [ INSERT DATE ] Collection letters from Resurgent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dispute to XXXX XXXX OCC correspondence confirming active investigation when debt was sold This collection violates both FDCPA and FCRA because it attempts to collect and report a debt that was improperly sold while under dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I submitted formal disputes to TransUnion regarding inaccurate account information and personal data. TransUnion did not provide a full method of verification identifying each furnisher as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). They verified unverifiable data and failed to complete a lawful reinvestigation. I am requesting proper verification and correction or deletion of any inaccurate or unverified items.

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 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mediation Recovery Center
State: AL

Complaint narrative:
I am filing this complaint regarding the inaccurate and unlawful reporting of an alleged debt by XXXX, listing XXXX XXXX as the original creditor. The account, allegedly opened XX/XX/year>, for {$1400.00}, has been reported to the credit bureaus without any written validation, contract, or lawful verification of ownership.

Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), I am entitled to receive written validation of any alleged debt before collection or reporting. XXXX has failed to provide : The original contract bearing my signature ; A complete itemized accounting showing how the balance was calculated ; and Proof of assignment or ownership confirming MRCIs legal authority to collect. 
Additionally, the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681e ( b ), 1681s-2 ( a ), and 1681i ( a ) ( 5 ) ) prohibits furnishers from reporting inaccurate or unverifiable data and requires credit reporting agencies to ensure maximum possible accuracy. Reporting this unverifiable debt violates those obligations.

Further, under the Truth in Lending Act ( TILA, 15 U.S.C. 1666b ), no payment may be considered or reported late without at least 21 days billing noticenone was ever provided. 
By continuing to report this debt without validation, XXXX and XXXX have committed multiple violations of federal law. I request immediate deletion of this account from all credit bureaus and written confirmation of compliance within 15 days. 
If validation can not be produced, XXXX must cease all collection activity and instruct XXXX XXXX XXXX XXXX  to permanently remove this item under FCRA 1681i ( a ) ( 5 ) ( A ). Failure to comply will result in escalation for willful noncompliance under 1681n and 1692k, entitling me to damages and attorneys fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I request that this account be removed and that you forward written documentation confirming the deletion.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I request that this account be removed and that you forward written documentation confirming the deletion.

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 2025-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I am filing this complaint regarding the wrongful repossession of my vehicle by Santander Consumer USA. 

I purchased a XXXX XXXX ( XXXX : XXXX ) in good faith through XXXX XXXX on XX/XX/XXXX. I registered it under my name with the Massachusetts XXXX, insured it continuously, and even renewed its registration. 

On XX/XX/XXXX, my vehicle was taken from my parking lot. After I reported it stolen to the police, I was informed that Santander Consumer USA had repossessed it, claiming a prior lien.

I have provided Santander with every possible proof of lawful purchase and registration, yet they have failed to return my car or even my personal property ( including my prescribed XXXX XXXX medication and all my personal belongings and important documents ). I have suffered financial and emotional hardship due to this ongoing situation and lack of transparency. 

This is a wrongful repossession and an unfair consumer practice. I am requesting CFPBs assistance to ensure Santander : 1. Returns my vehicle or provides a clear legal explanation, 2. Returns all my personal belongings, and 3. Compensates me for losses and emotional distress caused by their actions. 

Attached are copies of : Purchase and registration records, Police report, seller information. Bill of sale. XXXX XXXX Requested Relief : Immediate investigation and enforcement to compel Santander Consumer USA to return my vehicle and property or compensate me accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I am disputing an inaccurate medical collection that appears only on my Experian credit report.

The account is reported by XXXX XXXX XXXX, with the original creditor XXXX XXXX XXXX. 

Experian lists : Date opened : XX/XX/XXXX Account type : Collection Status : Collection account {$1200.00} past due as of XX/XX/XXXX The original medical bill was for {$840.00} and dates back more than seven years ago, long before XXXX. The collector has re-aged the debt by using the date it purchased the account rather than the true date of first delinquency, violating the Fair Credit Reporting Act ( 15 U.S.C. 605 ( c ) ).

I have disputed this with Experian three times, citing re-aging and date inaccuracies, but Experian continues to verify it without documentation from the original medical provider. The balance has also been inflated from {$840.00} to {$1200.00} by adding unauthorized interest and fees, violating the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 e and 1692 f ).

XXXX  and XXXX  no longer report this account, indicating those bureaus found it invalid. I request that Experian delete this tradeline or provide verifiable documentation showing the original delinquency date and lawful calculation of charges.

This is a medical collection subject to the XXXX medical-debt reporting updates, which limit such reporting. Please review for compliance and require removal of this inaccurate tradeline.

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 2025-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I hereby request the immediate deletion of this incorrect account from my credit report, as I never authorized or approved its creation or use. Attached are the supporting documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Subject : Dispute of Unverified Collection Accounts Reported by XXXX Debt Collectors To Whom It May Concern, I am filing a formal dispute regarding several collection accounts being reported on my credit report by XXXX debt XXXX who are not the original creditors. 

The following accounts appear on my report and need to be investigated : XXXX. Columbia Debt Recovery Balance {$6500.00} Reported XX/XX/2025 Lists XXXX XXXX as the original creditor. 


XXXX. XXXX XXXX XXXX  XXXX {$1400.00} Reported XX/XX/2025 Self-reported as both collector and creditor, which is inaccurate. 

I have not received a debt validation notice or proof of assignment. 



XXXX. XXXX XXXX and XXXX XXXX {$3300.00} Reported XX/XX/2025 No valid proof has been provided that this company is authorized to collect this debt. 




Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I request : Full debt validation documentation ( original creditor name, contract, payment history, and proof of assignment or sale ), These companies are not the original creditors, and I dispute their legal right to collect or report these debts. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Between XXXX XXXX XXXX my Chase checking account was charged XXXX overdraft fees. I am not making excessive or intentional overdraft charges. These fees have been accumulating primarily due to automatic or recurring payments, not voluntary spending. 

Ive previously contacted Chase and explained that my account can not recover if new overdraft fees are continuously added on top of the balance. Each fee worsens the negative balance, making it impossible to bring the account current. Chase has continued to charge multiple overdraft fees within a short timeframe. 

I believe these fees and Chases handling of my account are excessive, especially given that I have made efforts to resolve the issue and limit my transactions. I am informed there are only so many overdrafts allowed per quarter yet Im receiving them excessively. I am requesting a refund or adjustment of these fees and a review of Chases overdraft practices for accounts in hardship.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-29 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: HI

Complaint narrative:
On XX/XX/year> @ XXXX : XXXX i had transferred {$500.00} from my XXXX  account into my paypal account. 
I have done this multiple times but this time funds didnt transfer. XXXX shows completed, when called and chatted multiple times, im told they see transactions wasnt delivered to paypal, they dont have anymore information on it only that there tech is aware of it and theyre working on it, im afraid that may be there automated response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: PA

Complaint narrative:
This is a follow-up complaint related to CFPB XXXX XXXX. XXXX. 
The companys prior response did not address multiple, specific Fair Credit Reporting Act ( FCRA ) violations that were documented in my earlier submission. I am submitting new evidence and clarification of the consumer rights that were violated. 

I am not disputing the existence of the bankruptcy, only the inaccuracies in how Experian reports it ( wrong name, wrong filing type, attorney omitted/misspelled ). Experian states a public record vendor verified it but fails to identify the vendor or the procedure used, violating FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ). 
My XXXX CFPB response ( XX/XX/XXXX ) confirms this bankruptcy does not exist in their system and my XXXX file was frozen prior to XXXX reinvestigation. The XXXX XXXX ( XX/XX/XXXX ) confirms the court does not verify for CRAs. 
Therefore XXXX verification could not have come from a valid source. Continued reporting with these inaccuracies violates 607 ( b ) and 611 ( a ) ( 1 ). I request deletion or complete correction, and full method-of-verification disclosure.

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 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Personal PayPal account was wrongfully terminated and limited for " selling XXXX explicit materials ''. I have been using my PayPal for almost 10 years and have never once used my PayPal for anything more than random purchases online or to have friends/family send or receive money. I was given no opportunity to appeal this decision or any reason why my account has suddenly been flagged. I would like my Paypal account back as I haven't done anything wrong and would like my account to be reviewed or a opportunityto provide evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this complaint because TransUnion has failed to ensure the accuracy and completeness of my credit report regarding payment history. I identified incorrect late payment reporting on the following account XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I do not recall ever being late on this account. The creditor has not demonstrated that the information being furnished is accurate. These errors qualify as billing errors under federal law. 

Violations committed by TransUnion and the furnisher include 15 USC 1666 b 4 failure to accurately reflect a payment made on my account 15 USC 1666 b 5 computation or accounting error 15 USC 1681e b failure to ensure maximum possible accuracy 15 USC 1681i failure to properly investigate a valid dispute In addition the required billing statement was not provided to me at least 21 days prior to any payment being considered past due. Therefore the late payment reporting is improper and should not appear on my credit report. 

I requested that TransUnion provide documentary evidence showing I was late including billing statements account histories and payment records. To date I have not been provided any verification. If no verifiable proof exists TransUnion must update the account payment history to Paid on Time to comply with the Fair Credit Reporting Act. 

The continued publication of this inaccurate negative information is causing ongoing harm to my creditworthiness.

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 2025-10-29 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: GA

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 response to consumer: Closed with explanation