vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am a survivor of XXXX XXXX, and throughout my exploitation, my personal and financial information was utilized without my permission. Consequently, fraudulent accounts and debts were established under my name. I respectfully ask that you consider this context while reviewing my credit report and take appropriate actions to correct any inaccuracies or fraudulent activities. I have included documentation from pertinent authorities and organizations that can confirm my circumstances.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SF VAGO, LLC
State: CA

Complaint narrative:
Company being complained about : XXXX XXXXXXXX XXXX Issue : Incorrect information on your credit report Consumer complaint narrative : I am formally requesting the removal or correction of the following account ( XXXX ) listed on my credit report provided by XXXX : EMVLP , LLC Account ending in XXXX : This account was paid in full on XX/XX/scrub> 2025, but is still being reported as charged-off. I request that it be properly updated or removed entirely. 

XXXX XXXX XXXX : A debt buyer reporting an account without providing legal documentation to validate the debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I request removal unless full validation is produced. 

XXXX XXXX XXXX : This company has not provided proper validation of the debt, including original contract, proof of ownership and itemized account history. I request full validation or immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: SC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report 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
Consumer complaint received 2025-06-25 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: LA

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 XX/XX/XXXX -- {$7800.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$5000.00} XXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX  # XXXX XXXXXX/XX/XXXX -- {$5800.00} XXXX  # XXXX XX/XX/XXXX -- {$160.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I am submitting this complaint against LVNV Funding for violating my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), 15 USC XXXX ( XXXX ) ,15 USC XXXX ( XXXX ), and Arkansas CXXXXXXXXe XXXX ( a ) ( XXXX ). 

On XXXX I sent the collection agency a conditional offer of acceptance via mail in response to their collection efforts and credit reporting of an alleged debt. My letter included a lawful request for validation of the debt and outlined specific conditions under which I would be willing to resolve the matter upon receipt of proper documentation. 

Specifically, I requested the following : A copy of the original signed agreement or contract that includes my wet ink signature, proving I have a legal obligation to pay the alleged debt. 

A complete and documented chain of title from the original creditor to the collection agency showing the legal transfer of the right to collect the debt. 

A complete breakdown of the amount claimed as owed, including principal, interest, fees, and how each was calculated. 

Proof of legal authority to collect debts in the state of Arkansas, including licensing or registration as a debt collector if required by Arkansas law. 

A copy of any written agreement or contract between myself and the original creditor where I agreed to pay the alleged debt under the claimed terms. 

As of today, XXXX, the collection agency has failed to provide the requested documentation or adequate validation but continues to : Report the alleged debt to credit bureaus, thereby harming my credit profile. 

Send collection notices and make collection calls, attempting to pressure payment without validating the debt. 

These actions constitute : A deceptive and unconscionable trade practice under Arkansas CXXXXe XXXX ( a ) ( XXXX ) by asserting a legal right to collect without proper documentation. 

A violation of 15 U.S. CXXXXe XXXX ( b ) of the FDCPA, which prohibits continued collection without validation of debt upon written dispute. 

A violation of 15 U.S. CXXXXe XXXX ( b ) of the FCRA, which requires a furnisher to properly investigate disputed information and cease reporting inaccurate or unverified debt. 

Relief Requested : I am requesting that the CFPB : Investigate the collection agency for failure to validate the debt before continuing collection and credit reporting. 

Require the collection agency to cease all collection activities and remove the negative credit reporting until proper validation is provided. 

Determine whether the agency is in violation of Arkansas debt collection and consumer protection laws. 

Impose any appropriate enforcement action or penalties. 

Please find attached a copy of my original dispute letter/conditional offer of acceptance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: PA

Complaint narrative:
On XX/XX/2025, three instant PayPal transfers were made from my account to a XXXX XXXX account totaling {$8600.00} ( {$2800.00} + {$2800.00} + {$2800.00} ). These transfers were not authorized by me. I immediately reported the activity to PayPal, and over the following days ( XX/XX/1625 ), I submitted formal disputes and spoke with multiple representatives. Each assured me the case was under review. 

Despite providing account access logs, my testimony, and confirming I did not initiate or approve the transfers, PayPal closed the dispute, stating they found no evidence of unauthorized activity. I then spoke to a fraud specialist on XX/XX/XXXX who re-escalated the case and verified it had been incorrectly closed, assuring me that I would receive follow-up documentation. I have since requested a complete copy of the evidence used in their decision. 

I am filing this complaint because PayPal has failed to take reasonable steps to protect my funds or provide transparency in their decision-making process, leaving me without access to {$8600.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-25 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: CL Holdings LLC
State: AR

Complaint narrative:
I am submitting this complaint against Jefferson Capital for violating my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), 15 USC XXXX ( XXXX ) XXXX15 USC XXXX ( XXXX ), and Arkansas CXXXXe XXXX ( a ) ( XXXX ). 

On XXXX I sent the collection agency a conditional offer of acceptance via mail in response to their collection efforts and credit reporting of an alleged debt. My letter included a lawful request for validation of the debt and outlined specific conditions under which I would be willing to resolve the matter upon receipt of proper documentation. 

Specifically, I requested the following : A copy of the original signed agreement or contract that includes my wet ink signature, proving I have a legal obligation to pay the alleged debt. 

A complete and documented chain of title from the original creditor to the collection agency showing the legal transfer of the right to collect the debt. 

A complete breakdown of the amount claimed as owed, including principal, interest, fees, and how each was calculated. 

Proof of legal authority to collect debts in the state of Arkansas, including licensing or registration as a debt collector if required by Arkansas law. 

A copy of any written agreement or contract between myself and the original creditor where I agreed to pay the alleged debt under the claimed terms. 

As of today, XXXX, the collection agency has failed to provide the requested documentation or adequate validation but continues to : Report the alleged debt to credit bureaus, thereby harming my credit profile. 

Send collection notices and make collection calls, attempting to pressure payment without validating the debt. 

These actions constitute : A deceptive and unconscionable trade practice under Arkansas CXXXXe XXXX ( a ) ( XXXX ) by asserting a legal right to collect without proper documentation. 

A violation of 15 U.S. CXXXXe XXXX ( b ) of the FDCPA, which prohibits continued collection without validation of debt upon written dispute. 

A violation of 15 U.S. CXXXXe XXXX ( b ) of the FCRA, which requires a furnisher to properly investigate disputed information and cease reporting inaccurate or unverified debt. 

Relief Requested : I am requesting that the CFPB : Investigate the collection agency for failure to validate the debt before continuing collection and credit reporting. 

Require the collection agency to cease all collection activities and remove the negative credit reporting until proper validation is provided. 

Determine whether the agency is in violation of Arkansas debt collection and consumer protection laws. 

Impose any appropriate enforcement action or penalties. 

Please find attached a copy of my original dispute letter/conditional offer of acceptance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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 writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your 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 2025-06-25 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Date : XX/XX/year> To : XXXX  / XXXXTrans Union Subject : Dispute of Inaccurate Late Payments DEPT OF ED/XXXX  Account Number : XXXX Dear XXXX  /XXXX/Trans Union, I am writing to file a formal dispute regarding inaccurate and inconsistent information appearing on my credit report in connection with my student loan account serviced by DEPT OF ED/XXXX  ( Account # XXXX ). 
This account is currently reporting three 90-day late payments, yet it is clearly marked as " Payment deferred, '' and my TransUnion report shows zero late payments for this same account. I previously disputed this matter on XX/XX/year>, and did not receive satisfactory proof validating the derogatory reporting. 
I hereby request, as my right under the Fair Credit Reporting Act ( FCRA ) : 1. Full documentation of the investigation and verification of these reported late payments, including payment due dates and evidence of default during a time when the account was allegedly in deferment. 
2. If such documentation can not be provided, I request that the late payment history be deleted immediately from my credit report. 
Reporting missed payments while a loan is in deferment is not only misleading but also violates FCRA accuracy requirements. If this dispute is not resolved appropriately, I am prepared to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and seek other legal remedies if necessary. 
Please conduct a thorough investigation and respond with your findings within the 30-day time frame as required. I also request that an updated copy of my credit report be sent to me reflecting any changes. 
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 non-monetary relief
Consumer complaint received 2025-06-25 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION XXXXB ( 15 U.S.C. XXXX ). Please remove all fraudulent information from my credit report 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
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: LA

Complaint narrative:
I had my taxes deposited in my cash app account I had broke my phone so I had to wait to get a new one by the time I did my cash app was closed for no reason and I had XXXX  dollars in my savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report 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 non-monetary relief
Consumer complaint received 2025-06-25 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Company being complained about : XXXX  XXXX XXXX Issue : Incorrect information on your credit report Consumer complaint narrative : I am formally requesting the removal or correction of the following account ( s ) listed on my credit report provided by XXXX  : XXXX, XXXX Account ending in XXXX : This account was paid in full on XX/XX/year>, but is still being reported as charged-off. I request that it be properly updated or removed entirely. 

Portfolio Recovery Associates : A debt buyer reporting an account without providing legal documentation to validate the debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I request removal unless full validation is produced. 

XXXX XXXX XXXX  : This company has not provided proper validation of the debt, including original contract, proof of ownership and itemized account history. I request full validation or immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Company being complained about : XXXX XXXX XXXX Issue : Incorrect information on your credit report Consumer complaint narrative : I am formally requesting the removal or correction of the following account ( s ) listed on my credit report provided by XXXX  : XXXX, XXXX Account ending in XXXX : This account was paid in full on XX/XX/2025, but is still being reported as charged-off. I request that it be properly updated or removed entirely. 

XXXX XXXX XXXX : A debt buyer reporting an account without providing legal documentation to validate the debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I request removal unless full validation is produced. 

Cavalry Portfolio Services : This company has not provided proper validation of the debt, including original contract, proof of ownership and itemized account history. I request full validation or immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: MO

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: MO

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your 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