vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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: CA

Complaint narrative:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor have you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ).

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance. Despite my prior request, you have not produced any of the following : 1.A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2.Records or communications used to verify the accuracy of the disputed information ; 3.Documentation outlining your reinvestigation procedure and final findings. 

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified.

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-05 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: AZ

Complaint narrative:
Comments have been detailed in the attached PDF document.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Self Financial Inc.
State: AL

Complaint narrative:
Account SELFINC/LEAD XXXXXXXX XXXX XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail with receipt displaying my signature. If not, please delete account # SELFINC/LEAD XXXXXXXX XXXX XXXX XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked to find I had been the victim of identity theft. I do not recognize these accounts please remove this from my credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I, XXXX XXXX, am formally notifying you that I have exercised my right to demand that my obligation be settled in lawful money as provided under 12 U.S.C. 411. Accordingly, I have chosen to tender full payment of my obligation through the redemption of a Federal Reserve Note, which constitutes legal tender for all debts, public and private. 


Debt Information Creditor : PNC BANK CARD SERVICES Loan Number : XXXX Amount Due : {$300.00} Legal Basis for Tender and Discharge Pursuant to 12 U.S.C. 411, I have the right to redeem Federal Reserve Notes in lawful money upon demand. Additionally, under UCC 3-603 ( b ), when a valid tender of payment is made and refused, the obligation is discharged to the extent of the amount tendered.

Terms of Payment & Settlement The debt has been tendered in full using lawful money by redeeming a Federal Reserve Note. 

Any refusal to accept this valid payment constitutes discharge of the obligation under UCC principles. By rejecting this payment, you waive any further claims of default, interest, penalties, or collection activity related to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: TX

Complaint narrative:
Did not give these companies ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX my consent to report to my credit report

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 2025-05-05 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: NY

Complaint narrative:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor have you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ).

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance. Despite my prior request, you have not produced any of the following : 1.A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2.Records or communications used to verify the accuracy of the disputed information ; 3.Documentation outlining your reinvestigation procedure and final findings.

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified.

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 

XXXX XXXX XXXX XXXX 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 2025-05-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Newport Intermediate Inc.
State: CT

Complaint narrative:
I have a {$100.00} XXXX prepaid card on the MyPaymentVault website. It expired on XX/XX/XXXX. So, I asked them to reissue my card. That't reply I got from this company. 

" Per the complaint, the cardholder has a {$100.00} XXXX prepaid card on the MyPaymentVault website which expired on XX/XX/XXXX. The cardholder requested the card to be reissued but states their request was denied. After reviewing the account, the remaining balance on the card was {$75.00} at the time of expiration. The card was reissued on XX/XX/XXXX. '' I don't know why my prepaid card only has {$75.00}. I ask them for {$100.00} full price prepaid card back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: LEXISNEXIS
State: FL

Complaint narrative:
XXXX XXXX XXXX Security Number : XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: CA

Complaint narrative:
I submitted an FTC report with the company as well as the Equifax. Equifax added the account back on my credit report and declined to accept my FTC report. This account is a fraudulent account opened by someone else who stole my identity. Equifax is in direct violation with Fair Credit Reporting Act ( FCRA ). The FCRA prohibits the credit bureaus from using abusive, unfair, or deceptive practices, and a refusal to acknowledge or act upon an FTC report could be seen as a form of deception or unfair practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: PA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


CLOSED NEGATIVE ACCOUNTS : 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

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 2025-05-05 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: PA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


CLOSED NEGATIVE ACCOUNTS : 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

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 2025-05-04 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: NY

Complaint narrative:
I am filing this formal dispute and complaint under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regarding an account that has been paid in full and closed, yet it continues to appear on my credit report with inaccurate and misleading information.\n Account Details : - Creditor Name : [ XXXX XXXX  ON CREDIT REPORT - Account Number : [ XXXX ] -ACCOUNT NUMBER : XXXX - Credit Reporting Agencies : [ XXXX Experian, XXXX XXXX - Date Paid in Full : [ CLOSED OR PAID ACCOUNTXXXX BALANCE- ] - This account was settled and closed, and as such, reporting it as unpaid, active, or derogatory is a direct violation of my consumer rights under federal law.\n 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. - 1681i ( a ) Requires credit reporting agencies to investigate any disputed information within 30 days. - 1681s-2 ( a ) ( 1 ) ( A ) Furnishers of information must not report inaccurate or incomplete information. - 1681c ( a ) ( 4 ) Prohibits reporting accounts older than 7 years from the date of first delinquency. - 1681e ( b ) Requires credit bureaus to maintain maximum possible accuracy. 2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) - Debt collectors must cease collection and verify a debt when requested in writing. If no proper validation or proof of ownership is provided, they may not continue to report such debt. I am demanding that this account be : \n\n1. Removed or corrected on all credit bureaus where it is inaccurately listed.\n2. Properly validated if the furnisher or collector insists it is accurate. Validation must include a signed agreement, a full payment ledger, and chain of custody or assignment.\n3. Cease and desist from any further reporting if validation can not be provided under. FDCPA 15 U.S.C. 1692g ( b ).

FCRA 602 ( A ) Emphasizes need for accurate credit reporting.

FCRA 607 ( B ) Credit reporting agencies must follow reasonable procedures for accuracy.

FCRA 611 & 623 Dispute rights and duties of data furnishers I The right to request proof of a debt is protected under the Fair Debt Collection Practices Act ( FDCPA ) specifically 15 U.S. Code 1692g Pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am requesting full validation of the alleged debt. Until the requested proof is provided including the name of the original creditor, the amount claimed, and relevant supporting documentation you must cease all collection activity and reporting to credit bureaus. If no validation is provided, this tradeline must be deleted from my credit report.

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 2025-05-04 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: NY

Complaint narrative:
I am filing this formal dispute and complaint under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regarding an account that has been paid in full and closed, yet it continues to appear on my credit report with inaccurate and misleading information.\n Account Details : - Creditor Name : [ XXXXXXXX XXXX ON CREDIT REPORT - Account Number : [ XXXX ] -ACCOUNT NUMBER : XXXX - Credit Reporting Agencies : [ Equifax, XXXX XXXX ] - Date Paid in Full : [ CLOSED OR PAID ACCOUNT/XXXX BALANCE- ] - This account was settled and closed, and as such, reporting it as unpaid, active, or derogatory is a direct violation of my consumer rights under federal law.\n 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. - 1681i ( a ) Requires credit reporting agencies to investigate any disputed information within 30 days. - 1681s-2 ( a ) ( 1 ) ( A ) Furnishers of information must not report inaccurate or incomplete information. - 1681c ( a ) ( 4 ) Prohibits reporting accounts older than 7 years from the date of first delinquency. - 1681e ( b ) Requires credit bureaus to maintain maximum possible accuracy. 2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) - Debt collectors must cease collection and verify a debt when requested in writing. If no proper validation or proof of ownership is provided, they may not continue to report such debt. I am demanding that this account be : \n\n1. Removed or corrected on all credit bureaus where it is inaccurately listed.\n2. Properly validated if the furnisher or collector insists it is accurate. Validation must include a signed agreement, a full payment ledger, and chain of custody or assignment.\n3. Cease and desist from any further reporting if validation can not be provided under. FDCPA 15 U.S.C. 1692g ( b ).

FCRA 602 ( A ) Emphasizes need for accurate credit reporting.

FCRA 607 ( B ) Credit reporting agencies must follow reasonable procedures for accuracy.

FCRA 611 & 623 Dispute rights and duties of data furnishers I The right to request proof of a debt is protected under the Fair Debt Collection Practices Act ( FDCPA ) specifically 15 U.S. Code 1692g Pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am requesting full validation of the alleged debt. Until the requested proof is provided including the name of the original creditor, the amount claimed, and relevant supporting documentation you must cease all collection activity and reporting to credit bureaus. If no validation is provided, this tradeline must be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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:
I am filing this formal dispute and complaint under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regarding an account that has been paid in full and closed, yet it continues to appear on my credit report with inaccurate and misleading information.\n Account Details : - Creditor Name : [ XXXX XXXX ON CREDIT REPORT - Account Number : [ XXXX ] -ACCOUNT NUMBER : XXXX - Credit Reporting Agencies : [ XXXX XXXX TransUnion ] - Date Paid in Full : [ CLOSED OR PAID ACCOUNT/XXXX BALANCE- ] - This account was settled and closed, and as such, reporting it as unpaid, active, or derogatory is a direct violation of my consumer rights under federal law.\n 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. - 1681i ( a ) Requires credit reporting agencies to investigate any disputed information within 30 days. - 1681s-2 ( a ) ( 1 ) ( A ) Furnishers of information must not report inaccurate or incomplete information. - 1681c ( a ) ( 4 ) Prohibits reporting accounts older than 7 years from the date of first delinquency. - 1681e ( b ) Requires credit bureaus to maintain maximum possible accuracy. 2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) - Debt collectors must cease collection and verify a debt when requested in writing. If no proper validation or proof of ownership is provided, they may not continue to report such debt. I am demanding that this account be : \n\n1. Removed or corrected on all credit bureaus where it is inaccurately listed.\n2. Properly validated if the furnisher or collector insists it is accurate. Validation must include a signed agreement, a full payment ledger, and chain of custody or assignment.\n3. Cease and desist from any further reporting if validation can not be provided under. FDCPA 15 U.S.C. 1692g ( b ).

FCRA 602 ( A ) Emphasizes need for accurate credit reporting.

FCRA 607 ( B ) Credit reporting agencies must follow reasonable procedures for accuracy.

FCRA 611 & 623 Dispute rights and duties of data furnishers I The right to request proof of a debt is protected under the Fair Debt Collection Practices Act ( FDCPA ) specifically 15 U.S. Code 1692g Pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am requesting full validation of the alleged debt. Until the requested proof is provided including the name of the original creditor, the amount claimed, and relevant supporting documentation you must cease all collection activity and reporting to credit bureaus. If no validation is provided, this tradeline must be deleted from my credit report.

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