vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I'm unaware of this debt. I didn't have the opportunity to dispute this debt. 
I did not receive proper notification. If in fact you believe I received proper notification. please provide the certified mail with a receipt with my signature on there stating I reeceive it. 
- I have asked you to validate the alleged debt that you claim that I ow, and all you have provide me are statement and signatures to an Alleged account that you can not prove is mine. You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts.

LEGAL DEPARTMENT Subject : Formal Dispute & Demand for Immediate Deletion of Inaccurate Collection Accounts Violation of 15 U.S.C. 1692g To Whom It May Concern, I am formally disputing the accuracy, validity, and legal standing of the collection account ( XXXX ) you are reporting under my name. This notice is being submitted pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). ACCOUNT NAME : LVNV FUNDING LLC ACCOUNT NUMBER : XXXX  You are legally obligated to provide, within XXXX  days, the following : XXXX. XXXX of the alleged debt bearing my signature on the original agreement. XXXX. Full itemization of the debt, including the original creditor, the alleged amount owed, interest, fees, and payment history. XXXX. Proof of legal authority to collect in my state, including any required state licenses. XXXX. Chain of title/assignment from the original creditor to your agency proving ownership of the alleged debt. Failure to provide complete validation as required by 1692g renders your continued collection efforts and credit reporting a direct violation of federal law. Reporting unverifiable information to any credit reporting agency also constitutes willful noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ). Be advised Any continued collection activity, including credit reporting, without proper validation is unlawful. You must immediately cease and desist from all collection and reporting activities until verification is provided. If you can not fully validate the debt, you are required to permanently delete the account from all credit bureaus Should you fail to comply, I will pursue all available remedies including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, as well as pursuing civil litigation for statutory damages of up to { {$1000.00} } per violation, actual damages, attorneys fees, and punitive damages. This letter serves as your final notice. You have XXXX  days from receipt of this letter to comply. If you do not, I will take immediate legal action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I reported a series of fraudulent charges on my account. Wells Fargo denied my claim because I had my physical card in my possession. I believe my card number was stolen via the internet. I would also like to know how Wells Fargo believes I was in both XXXX  and XXXX  on the same day when I live in XXXX and all of the charges were by the same individual.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: IL

Complaint narrative:
I am filing this dispute with the Consumer Financial Protection Bureau ( CFPB ) to address and resolve the inaccuracies, incomplete reporting, and potential violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) that I have discovered in my credit reports with XXXX XXXX, and TransUnion. The following accounts have been incorrectly reported as " charged off, '' and I request that the credit reporting agencies ( CRAs ) conduct a thorough investigation and update my credit file accordingly. Additionally, I am disputing certain inquiries that appear on my report without proper authorization or legitimacy. 


Charged Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$11000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: FL

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Police Report ( Police Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported. 

I have made multiple attempts to contact TRANSUNION to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
It's important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal andfinancialharm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: GA

Complaint narrative:
I am disputing the following accounts and inquiries on my TransUnion credit report. I request that TransUnion verify all accounts under the FCRA. Any information that can not be verified should be corrected or removed. 

XXXX Accounts in Dispute : XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$35.00} XXXX XXXX  XXXX  Account No. XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$960.00} Inquiries in Dispute : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payment Accounts in Dispute : XXXX XXXX  Account No. XXXXXXXX XXXX XXXX XXXX XXXX I request a written response confirming the results of your reinvestigation and correction of any unverifiable accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I am filing a formal complaint against PRESSLER , FELT & WARSHAW , LLP for their failure to properly handle the ongoing dispute regarding a fraudulent account reported on my credit file. The account, listed as XXXX Card ( Account Number : XXXX ), was charged off by XXXX XXXX  and is a result of identity theft. Despite my previous attempts to resolve this issue, including sending a Debt Validation request, PRESSLER , FELT & WARSHAW , LLP has continued to attempt collection efforts without providing adequate proof or validation that I owe the debt. I have already disputed this account, and their response only included copies of statements, which do not meet the legal requirements for proper debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I have requested proper verification of the debt, including a breakdown of the charges, proof of their legal right to collect, and the IRS Form XXXX if the debt was forgiven or XXXX. They have not provided the necessary documentation as required by law. Additionally, I was unable to obtain an Identity Theft Report from the Federal Trade Commission ( FTC ) due to the FTC shutdown. This has further complicated my ability to provide formal documentation to support my identity theft claim, yet the debt remains unresolved, and collection efforts continue despite the lack of proper validation. I am requesting that the CFPB intervene in this matter and ensure that PRESSLER , FELT & WARSHAW , LLP ceases all collection efforts on this fraudulent account. I also request that the CFPB ensure that this account is removed from my credit report and that no further collection attempts are made unless proper validation is provided. This continued collection activity, without proper verification, violates the FDCPA, specifically 15 USC 1692e ( 8 ), which prohibits false, deceptive, or misleading representations. I expect the CFPB to take immediate action to resolve this matter and ensure that my rights under the FDCPA and Fair Credit Reporting Act ( FCRA ) are protected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: AL

Complaint narrative:
I am disputing the following accounts with Equifax as they are either inaccurate, incomplete, or outdated according to the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$760.00} XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$720.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance XXXX {$0.00} Inquiries : XXXX  Date : XX/XX/XXXX Late Payments : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX  XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: NH

Complaint narrative:
I used PayPal to do a pay in XXXX for a flight with XXXX XXXX. XXXX XXXX changed the price of the flight and it messed up my scheduled pay in XXXX amounts. I continued to make my payments, and I ended up cancelling my flight and XXXX XXXX issued a refund back to PayPal. PayPal refused to refund me back the money I had paid to them. I made numerous phone calls to them explaining the issue repeatedly and got no where with them, so I decided to go through my banks dispute department to dispute the charges in order to get my money back. I was beyond frustrated with repeating myself and calling over and over and getting no where with them. Ultimately, I was awarded back every charge I had paid to PayPal through XXXX 's dispute resolution service. Then fast forward to almost a year later, I received a debt collection letter in the mail. PayPal sent me to collections saying that I owe them {$270.00} from the pay in XXXX for the XXXX XXXX flight. I worked with XXXX XXXX to obtain proof the charges were refunded to PayPal by them which I've attached to this case. I called the phone number for the collections company XXXX XXXX XXXX XXXX XXXX ) that PayPal sent me to and was told by the agent that it would take XXXX  days for it to go back to PayPal before I can resolve it directly with PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
The consumer reporting agency has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by neglecting to properly verify the accuracy and completeness of the information contained in my credit file. Despite my formal request for a thorough reinvestigation of all items reported, the bureau has either failed to provide sufficient verification or continues to report information that remains unverified. This failure constitutes a direct violation of my rights under federal law and raises serious concerns about the accuracy, integrity, and reliability of the information being reported in my consumer file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I am filing a formal complaint against TRANSWORLD SYSTEMS XXXX regarding an alleged fraudulent debt reported on my credit report, associated with XXXX XXXX ( Account Number : XXXX ), which has an outstanding balance of {$4600.00} and is marked as a charge-off. I dispute the legitimacy of this debt and have already disputed it previously, but it remains on my credit report. I request that TRANSWORLD SYSTEMS XXXX provide proper documentation proving their authority to collect on this debt, including the full purchase agreement, proof of authorization to report the debt, a breakdown of the amount owed, and any other supporting documents. Due to the shutdown of the FTC website, I have been unable to obtain an Identity Theft Report, but I still request proper validation of this debt to ensure it is not a result of fraudulent activity. The continued reporting of this fraudulent charge-off debt on my credit report is causing significant damage to my credit and reputation. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( a ), TRANSWORLD SYSTEMS XXXX is required to provide verification of the debt. This constitutes a violation of 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus must be accurate and complete. Furthermore, 15 U.S.C. 1681b ( a ) ( 2 ) prohibits reporting of debt information without the consumer 's written consent, and TRANSWORLD SYSTEMS XXXX has failed to provide any evidence of such consent. Therefore, I request the immediate removal of this fraudulent charge-off account from my credit report and that TRANSWORLD SYSTEMS XXXX cease all collection activities. Failure to provide proof of legal entitlement to collect on this debt violates my rights, and I demand that this matter be resolved promptly.

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