vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 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:
I am writing to formally dispute and request the removal of inaccurate and fraudulent information currently appearing on my credit report. The following accounts do not belong to me, and I have no knowledge of or involvement with them. I believe these accounts are the result of identity theft or a reporting error : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not open, authorize, or consent to any of the above accounts. These items are inaccurately listed under my credit profile and are damaging my credit history.

In accordance with the Fair Credit Reporting Act ( FCRA ), I respectfully request that your office conduct a full investigation into these accounts, verify their legitimacy, and remove them from my credit file immediately.

Please confirm in writing once these corrections have been made. I am also requesting that you provide me with an updated copy of my credit report once the disputed items are removed.

Thank you for your prompt attention to 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 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
I am filing this complaint because LVNV Funding LLC is reporting multiple charged-off accounts on my credit reports in a way that is deceptive, inaccurate, and unlawful. LVNV is a debt buyer, not the original creditor, yet they are reporting accounts tied to several different alleged original creditors including XXXX XXXX, XXXX, XXXX XXXX, and XXXX. These are showing up as separate collection accounts, but in reality, they are duplicates of the same debt being reported multiple times under different account numbers. 

This practice creates double reporting, conflicting information, and unnecessary damage to my credit profile. It is also a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires accurate and verifiable information to be furnished to consumer reporting agencies. LVNV has failed to provide : Any original signed application or contract with my wet signature.

Any documentation proving I ever authorized for my personal information or financial details to be sold or transferred to LVNV.

Any chain of title or assignment documents showing lawful ownership of these accounts.

If the original creditors charged off these accounts and wrote them off as a loss, LVNV should not be permitted to re-age, re-report, and duplicate these accounts under new names. Continuing to do so inflates the negative reporting against me and is deceptive, misleading, and abusive.

Furthermore, LVNV has marked these accounts with statuses like Collection/Chargeoff , Late 120 Days, and Consumer disputes account information without providing proof of their legal authority to furnish such information. Reporting an account as both charged off and actively derogatory is contradictory and creates confusion for lenders reviewing my report.

This appears to be a systematic abuse by LVNV Funding, who buys portfolios of debt and reports them to the bureaus without proper verification, then hides behind generic dispute comments rather than producing the original documents required under the FCRA and the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
This company name Sequium has constantly been emailing me messages, sending phone calls and leaving voice messages regarding a debt. An unauthorized debt, or lack of knowledge that I have regarding. Ive received several emails from this company unaware of the debt they are tying to collect. I never heard of this company, I have no knowledge of this company. This company has been emailing me since XX/XX/year>. Again I have no knowledge of this debtor, I would like them to stop contacting me and also making accusations that I owe them this credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I saw a notice on my XXXX credit report today that I have a derogatory remark from Amsher Collection SE, supposedly the debt was originally from XXXX XXXX XXXX. I have never received any communication from Amsher or XXXX. So I should not have a derogatory remark. I don't understand what debt I could possibly owe. I need a letter of debt verification. I have never received any attempts to have me pay off any debt I supposedly owe, so this is all completely surprising to me. Either someone made a mistake, or someone is just lying. Supposedly the fee is only about a XXXX bucks. If I owed that to anyone, I would have just paid it, not avoided it. I don't think I owe anything, and if I did, I was never informed. This is not fair at all, and should be removed from my immaculate credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: MI

Complaint narrative:
Hey, this is XXXX XXXX. I looked at my Experian credit report again on XXXX XXXX after disputing with Experian on XX/XX/year> and noticed some things are still incomplete and not accurate with account XXXX  XXXXXXXX XXXX XXXX XXXX XXXX. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Improper use of report also unable to dispute or make personal statement I want to opt out permanently of all agencies and tired of unauthorized use of my Trademark. No late payments allowed and I want all debts validated and see 18 USC 8 says all debts public and private are obligations of XXXX not XXXX XXXX so get it right

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 2025-08-30 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: TN

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: MO

Complaint narrative:
I have sent multiple disputes on all three credit bureaus ( XXXX, Experian and XXXX  ) requesting the removal of inaccurate student loan accounts from my credit report. These letters were sent underway rights granted by the Fair Credit Reporting Act ( FCRA ).

Despite confirming delivery, the bureaus have not removed or verified the accounts, nor have they provided proper responses. This is a violation of FCRA, which requires a reasonable investigation and removal of unverifiable or inaccurate information within 30 days.

These student loans are not accurate, are damaging to my credit, and the credit bureaus are not complying with consumer protection laws. I am asking the CFPB to investigate and ensure the inaccurate information is removed.

The accounts in question are by DEPT OF ED/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; {$3800.00} - XX/XX/XXXX ; {$2100.00} - XX/XX/XXXX ; {$2100.00} - XX/XX/XXXX ; {$2100.00} - XX/XX/XXXX ; {$5600.00}

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 explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I paid a credit card payment 2x in one month : {$180.00} on XX/XX/XXXX and {$180.00} on XX/XX/XXXX. 

The payment on the XXXX was supposed to be for my XXXX bill, but it was paid too early to post to XXXX. I called Capital One on XX/XX/XXXX and the representative said that they could refund the payment on XX/XX/XXXX. They sent me a check for {$180.00} shortly after. 
While on the phone, I paid the XXXX bill, on XX/XX/XXXX. 

This should have brought my account current. 
As of today, XX/XX/XXXX, the account shows as past due. 

I spoke to them on XX/XX/XXXX and they said they has " opened a case to correct the issue. '' I never received an email substantiating this, so I called them back on XX/XX/XXXX to see what was going on as the account is still past due can I want to now make by XXXX payment. 

The person I spoke to told me they do not have an option to fix the problem so they will not do anything to fix my account. The man said that I would need to " pay them back '' for the {$180.00} refund that they sent me and if I did not that my account would remain past due and they would pursue further collection. He said that it DID NOT MATTER that they were in the fault. 

I asked the representative if I was on a recorded line and he said " yes. '' I asked if I could receive a transcript of the call so and he told me " no. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: Block, Inc.
State: NY

Complaint narrative:
My cashapp account was randomly closed I repeatedly asks Why the account was closed asking how terms were violated when none were. They were unable to provide a reason and refused to reopen my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NV

Complaint narrative:
On XX/XX/year>, I tried to switch my mobile number from XXXX XXXX XXXX XXXX XXXX XXXX but the process failed due to an error and my number never transferred. After several failed attempts, I and the XXXX XXXX XXXX store staff decided to stop and reschedule, but later I changed my mind and no longer wanted to switch. 

Later, I received a bill from XXXX XXXX XXXX but since I never used any XXXX XXXX XXXX  Wireless service, I thought it was a scam email and ignored it. On XX/XX/year>, I then received a collection notice from Sequium. 

I contacted the XXXX & XXXX store where I tried to switch, as well as other XXXX XXXX XXXX  stores, but they only told me to call XXXX XXXX XXXX customer service. When I called and explained, they only tried to continue switching my number instead of helping me with the false bill. This debt is not mine and should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
On XX/XX/XXXX I was trying to pay my XXXX XXXX subscription for XXXX. I received a text from PayPal asking if I was attempting to make the charge I said yes. I then paid my XXXX subscription of XXXX. The next day we were making a payment with our PayPal and and it declined it. I looked at my PayPal online banking and it showed a double charge of XXXX. I filed a complaint and I have called 4 times.i also spoke to two supervisors all of them saying something different. One associate said it was a duplicate charge. I was told that I have to wait til the XX/XX/XXXX for an answer from PayPal to see if I get a refund. They our holding money illegally to receive interest I believe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-30 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: TN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT 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 ONE 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 2025-08-30 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: MI

Complaint narrative:
This is a known problem with PayPal. Their Instant Transfer is down globally and it's causing many problems for many people. There has been no announcement, no mention of it anywhere on any of their websites or social media, and no time-frame for when it will be fixed. This is the PayPal message I received on XX/XX/year> when I asked why this was occurring and when it would be remedied : " [ My Name ], thank you for waiting and I appreciate your patience. 

I see you have received a payment of XXXX XXXX and standard withdrawal has been initiated to your bank account. We understand that you wish to initiate the Instant transfer, and we apologize for the inconvenience caused. 

I would like to share that it is a known issue that is going on right now. Our dedicated team is working it to get it resolved as earliest as possible. Once the issue has been fixed, we will definitely let you know. 

Until then your understanding and patience will be much appreciated. '' Also, here is their response when the same thing happened on XX/XX/year> : " [ My Name ], We are sorry for any inconveniences caused. We are aware of the issue and our team is working on it. 

Do not worry, it will be resolved as soon as possible. '' They know about it and aren't saying anything about it. And it's been at least a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Experian credit website asked me to enter my account information upon opening a user account with them and said it was just for informational purposes and would not charge my card. Once when I logged in, I accidentally pressed the button that said subscribe now and then didnt realize it. When selecting the subscription, it was a complete accident and it is very easy to do. The " not now '' button is right underneath the subscribe button and you can not immediately reverse and it does not immediately tell you that you did it. Once they tried to charge my card, and it was declined, because I had insufficient funds, and because I wasnt trying to access this subscription in the first place, I could no longer log into the website. I can not cancel my subscription. I have tried calling Experian numerous times. I have never been taken off of hold. I have been on hold sometimes for hours. There doesnt seem to be any other way to contact them. When I go back to the website, it says that I have to pay for my subscription just to cancel my subscription. I just want to be able to access my free FICO score and cancel my subscription. I havent been able to access my FICO score in almost a year. I need help canceling my subscription with Experian. additionally, it should be noted that on XXXX and many other blog websites people are complaining about this being an issue. No one seems to have a solution -- such is why I am making this complaint on here. The only hint to any helpful solution is to mail a letter. Which I have done and gotten no response.

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 2025-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV is reporting two accounts to the credit bureaus that have been paid. 

AccounXXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX have disputed this with the credit bureaus, and it comes back as verified.

Company response to consumer: Closed with explanation