vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Account Information Management Corporation
State: WY

Complaint narrative:
On XX/XX/XXXX, my boyfriend who currently has an open collection account with XXXX. XXXX ( with ongoing harassment from XXXX XXXX regarding his account ) informed me that he had received a piece of mail at his mailing address for me. He deliver the mail to me and upon opening, I discovered it was a letter seeking payment from XXXX. XXXX in the amount of {$77.00} for a debt of mine from XXXX XXXX XXXX that had apparently been sent to their collection agency. The letter stated that it was a final attempt to collect the debt and that if it was not paid by XX/XX/XXXX they would assume that the debt could not be settled nicely. The address XXXX XXXXXXXX listed for me was my boyfriends address in another town that I do not live in nor have I ever used as a personal address. I then proceeded to call the animal clinic and verify what address they had on file for me which was my current mailing address. I have never lived with my boyfriend and the address they used was HIS PO Box . I feel my rights have been violated as they sent my private information to someone other than myself. This was the first notice delivered to my boyfriends address as well as the first notice I had ever received from this collection agency on this debt. On XX/XX/XXXX I called XXXX XXXX to settle the debt since it was a valid debt but first inquired why my address was listed incorrectly and the woman I spoke with proceeded to tell me hmm thats strange im not sure how that happened, Ill go ahead and update your address now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) 611, I have the right to dispute inaccurate, outdated, or unverifiable information on my credit report and request that it be corrected or deleted. Since the creditor/collector has acknowledged that the account should no longer be reported, I request the CFPBs assistance to ensure this tradeline is removed from all credit reporting agencies ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX) promptly. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 807, it is a violation for a debt collector to continue reporting information they know to be false or to report a debt after confirming it is no longer owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ] [ XXXX IL XXXX ] [ XXXX ] [ XX/XX/year> ] THE CBE GROUP INC-FORMERLY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : Cease and Desist Request for Debt Collection Efforts Dear THE CBE GROUP INC-FORMERLY XXXX I am writing to formally request that you cease all communication and further debt collection efforts regarding the alleged debt referenced in your previous correspondence. I understand that you claim I owe a debt, but I dispute this claim and request that you immediately stop contacting me regarding this matter. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you cease all collection activities. Therefore, I am exercising that right by requesting the following : 1.Cease all telephone calls, letters, emails, or other communications regarding the alleged debt.

2.Provide verification of the debt, including a detailed statement outlining the original creditor, the amount owed, and any supporting documentation to confirm that the debt is valid.

If you continue to pursue this matter without providing the requested verification, or if you do not comply with this cease and desist request, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies, including state regulators, and take any other legal actions available to me. 
Please note that this letter is a formal request under the FDCPA, and I expect compliance with my request immediately. Any further contact or collection efforts without verification will be considered a violation of my rights under the law. 
Thank you for your immediate attention to this matter. 
Sincerely, [ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
I sent this collection agency ( Patenaude & felix APC ) a certified debt verification request letter. The first debt verification letter they sent me was insufficient so I sent a more detailed letter of what I exactly need to see. Exercising my rights. In return I received a threating letter saying they are preparing to sue me under California code of civil procedure section 1033 ( b ) ( 2 ) .this will stress you out!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: MO

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-09-19 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX Re : Request for Debt Validation under FDCPA 809 ( b ) To Whom it May Concern This letter is a formal request for validation of the debt as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Sec. 809 ( b ). 

1.Please provide me with the following : 2. The amount of the alleged debt, including an itemized accounting of fees, interest, or other charges.

3. A copy of the original signed contract or agreement that makes me legally liable for this debt.

4. Documentation proving you are legally authorized to collect on this account in the State of Louisiana.

5. Verification that this debt has not been paid, discharged, or otherwise invalid.

Until you provide the above information, you must cease all collection activities, including reporting this debt to any credit bureau. Reporting unverifiable information violates the FDCPA and the Fair Credit Reporting Act ( FCRA ). 
If you can not validate this debt, you are required by law to remove it from your records and cease collection efforts immediately. 
This letter is not a refusal to pay but a notice that your claim is disputed. Please be advised that any further communication without providing validation will be documented as harassment and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Louisiana Attorney Generals Office. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX Re : Request for Debt Validation under FDCPA 809 ( b ) To Whom it May Concern This letter is a formal request for validation of the debt as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Sec. 809 ( b ). 

1.Please provide me with the following : 2. The amount of the alleged debt, including an itemized accounting of fees, interest, or other charges.

3. A copy of the original signed contract or agreement that makes me legally liable for this debt.

4. Documentation proving you are legally authorized to collect on this account in the State of Louisiana.

5. Verification that this debt has not been paid, discharged, or otherwise invalid.

Until you provide the above information, you must cease all collection activities, including reporting this debt to any credit bureau. Reporting unverifiable information violates the FDCPA and the Fair Credit Reporting Act ( FCRA ). 
If you can not validate this debt, you are required by law to remove it from your records and cease collection efforts immediately. 
This letter is not a refusal to pay but a notice that your claim is disputed. Please be advised that any further communication without providing validation will be documented as harassment and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Louisiana Attorney Generals Office. 

Sincerely, 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 2025-09-19 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: CA

Complaint narrative:
To : TransUnion LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Direct Dispute of Duplicate/Unverified Tradelines XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion and Equifax, I am submitting this direct dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) and 1681e ( b ), regarding inaccurate, misleading, and duplicative tradelines appearing on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX ( timeshare loan ) XXXX XXXX ( collection ) These entries represent the same underlying debt but are being reported under different names, creating a false impression of multiple obligations and damaging my creditworthiness.

1. Failure of Accurate Reporting Under FCRA 1681e ( b ), you are required to maintain maximum possible accuracy. Reporting the same account multiple times under different furnishers is neither accurate nor complete.

2. Duty to Conduct a Bona Fide Investigation Under 1681i ( a ), you must perform a reasonable investigationnot a cursory or sham verificationwhen a consumer disputes informa
tion. Passing my dispute back to the furnisher without critical review does not satisfy this duty ( Cushman v. TransUnion, 115 F.3d 220 ( 3d Cir. 1997 ) ).

3. Proof of Contractual Liability and Ownership Please obtain from the furnishers : Authenticated copies of any signed contracts or notes bearing my signature, with affidavits of authenticity.

The complete chain of assignment and custody, including any purchase agreements or bills of sale.

A full accounting of the alleged balance.

Without these, you must delete these tradelines.

4. Case Law and Precedent Spears v. Brennan, 745 N.E.2d 862 ( Ind. Ct. App. 2001 ) collectors must provide the assignment and underlying contract.

Clark v. Capital Credit & Collection Servs., 460 F.3d 1162 ( 9th Cir. 2006 ) misrepresenting debt ownership violates FCRA/FDCPA.

TransUnion LLC v. Ramirez, 141 S. Ct. 2190 ( 2021 ) CRAs are liable for inaccurate reporting causing harm.

Ward v. Fairfield Financial Services credit bureaus must conduct meaningful investigations and are liable for failing to do so.

5. Demand for Deletion if Validation Fails If you can not obtain proper validation, delete these tradelines immediately. Continuing to report unverifiable or duplicative information will be treated as willful noncompliance under FCRA 1681n and 1681o. 

I am also requesting method of verification, who did you speak to, when, what time, and from where. 

This dispute is being submitted via the CFPB portal to ensure oversight. I expect written confirmation of your investigation results within 30 days, as required by law. 

I will file litigation.

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 2025-09-19 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-18 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: TX

Complaint narrative:
On XX/XX/year>, I received an official email from PayPal stating that I was eligible to withdraw my funds after the required XXXX hold. 

The same day, when I attempted to withdraw, the system blocked my transaction. I called PayPal customer service and was told to wait XXXX hours. I waited, but the withdrawal still failed. I contacted PayPal again and was then instructed to wait another XXXX hours. After that period, I attempted again and it still did not work. I contacted PayPal once more and was told I must now wait an additional XXXX hours. 

This is unacceptable. I have already waited the full 180 days as required. PayPal continues to delay the release of my money with repeated waiting periods ( XXXX hrs, then XXXX hrs, now XXXX hrs ). These delays are unreasonable and create unnecessary financial hardship. 

I do not care if PayPal claims this is due to security system issues that is not my concern. I have already met the XXXX requirement. This is my money, and PayPal must release it immediately with no further excuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: WA

Complaint narrative:
I am filing this complaint against TransUnion because they continue to report a fraudulent collection account from XXXX XXXX XXXX/ XXXX XXXX, related to my former XXXX credit card account. 

The charges on this credit card were the result of identity theft, not transactions I authorized. I promptly reported the fraud to the creditor, but they failed to resolve the issue and ultimately sent the account to collections. 

I submitted a valid FTC Identity Theft Report and supporting documentation to TransUnion, requesting removal of this account under Section 605B of the Fair Credit Reporting Act ( FCRA ). Despite this, TransUnion refused to block the account and continues to report it as accurate. 

This is causing severe and ongoing harm to my credit profile. TransUnion has a legal obligation under the FCRA to block fraudulent information once an official identity theft report is provided, and their failure to do so is unacceptable.

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 2025-09-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
unauthorized hard inquires to the account, i have a FTC report with Report Number 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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Inquiries are not mine- I have not applied for any credit cards- please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-09-19 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: FL

Complaint narrative:
Inquiries are not mine- I have not applied for any credit cards- please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-09-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Inquiries are not mine- I have not applied for any credit cards- please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding inaccurate and unlawful reporting by Central Portfolio Control , Inc. on my credit file. This company is reporting a collection account that is misleading and not in compliance with federal law. 



The debt they are attempting to report stems from an older account with XXXX XXXX XXXX. However, Central Portfolio Control has re-aged the account and reported it as newly opened in XX/XX/year>. This is inaccurate and creates the false impression that the debt is more recent than it actually is. Re-aging a debt is prohibited under the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 5 ) ) and is a violation of Metro-2 reporting standards.

In addition, the company has failed to provide proper validation of the alleged debt as required under the Fair Debt Collection Practices Act ( FDCPA 809 ). Despite my dispute and request for verification, they have not produced original contracts, itemized statements, or proof of legal ownership of this debt. Reporting unverifiable information directly harms my creditworthiness and misleads other creditors. 



This account is also duplicative because the original tradeline from XXXX XXXX XXXX remains on my file, while Central Portfolio Control is reporting the same balance as a new collection. This is materially misleading, inflates derogatory reporting, and violates FCRA 607 ( b ), which requires the maximum possible accuracy in credit reporting. 



I am requesting that this account be permanently deleted from my credit reports and that all inaccurate, unverifiable, and misleading information furnished by Central Portfolio Control be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: TX

Complaint narrative:
I am submitting a formal dispute regarding multiple charge-off accounts currently reported on my Experian credit file, including XXXX XXXXXXXX, XXXX BANK XXXX, and XXXX XXXX. These accounts may contain inaccurate or unverifiable information and appear to violate Metro 2 data reporting standards. Pursuant to the Fair Credit Reporting Act ( FCRA 611 ), I request a full reinvestigation of each tradeline, the method of verification, and supporting documentation. If the accounts can not be fully verified, they must be corrected or removed. This dispute is supported by FTC Identity Theft Report No. XXXX. I expect a response within 30 days, as required by law.

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