vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: NV

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT 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 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 2025-10-16 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: OR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MI

Complaint narrative:
I was sent {$700.00} to get the brakes on my car fixed on cashapp on XX/XX/XXXX. I have a XXXX problem, and tried to upload the money to XXXX XXXX  a little bit after that. they imeediately suspended my account.. Okay, well then they aid it would be 24-48 hours. so i had to find a different way to pay for my brakes. and now my electricity had been shut off because i can't access my money. Ihave reached out to cash app several times to no avail they just keep telling me that my account will be available i 24-48 hours. except now it has been 72 and I still cant access the funds, and it says to contact support and then support just tells me the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Advanced Recovery Group LLC
State: GA

Complaint narrative:
As of XX/XX/year>, the company has refused to comply with my formal Debt Validation Request and Cease & Desist Notice, which was properly issued prior to their XX/XX/year>, threatening email. Instead of providing the requested validation or ceasing communication, the company continued to engage in deceptive collection activity, including false threats of bank XXXX and UCC lien filings. 
This willful noncompliance demonstrates bad faith, failure to verify the alleged debt as required under 15 U.S.C. 1692g, and a continuing pattern of harassment in violation of both the Fair Debt Collection Practices Act ( FDCPA ) and 12 U.S.C. 5531 ( d ) ( CFPBs Unfair, Deceptive, or Abusive Acts or Practices ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: NY

Complaint narrative:
On XX/XX/year> I was balancing my checking account and found a huge deduction from paypal for XXXX. I opened paypal and it was a sale in XXXX for a computer I tried to cancel the order and could not. I contacted XXXX and let them know it was fraud based on the name and address of who the computer was going to. I logged into an outdate XXXX home account ( I have a professional one and a home one ) and I let XXXX know it was identify theft and cancel order. They said it was cancelled, they were later notified it was delivered to XXXX XXXX in XXXX, NY. Not family not friend. 

In XXXX my personal info was changed ( billing address ) to XXXX XXXX who lives in XXXX XXXX, XXXX changed password and put a passcode on the account, but I was able to print out the data and provide to Police. A police report from XXXX Police was generated. I also went to fbi and files the report. But PayPal insists it is me and is vehemently requesting I pay them the XXXX dollars. I have not. This was XXXX my Social Security. XXXX closed accounts I was issued a new checking account and atm card. I check my accounts daily for fear it will happen again. 

I have sent to Paypal the screen shots from XXXX account that show it was not my data. XXXX says they can not get refund unless the computer is returned. I need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: NJ

Complaint narrative:
I started to dispute information on my credit report on XX/XX/year> I sent my first round through usps first-class certified mail so I would know if they would get my mail since then i waited 40 days each time to send more letters never once hearing anything back from the credit bureau my second set of letters were sent on XX/XX/year> and my last set of letters were sent on XX/XX/XXXX never once had any of my documents disputed this is unfair to me and I spent money each time sending each letter through usps first class mail

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 2025-10-16 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: NY

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Moss Law Firm, P.C.
State: TX

Complaint narrative:
This is a follow-up complaint to my prior CFPB case ID XXXX On XX/XX/year>, a process server from Moss Law Firm appeared at my door to serve me in the ongoing lawsuit. He stated he was looking for XXXX XXXX. I answered via my XXXX XXXX XXXX ( I was not home at the time ) and told him I am XXXX XXXX. The misnaming underscores the risk of wrong-party suits and why proper validation is critical before litigation proceeds. This conversation with the processor was captured on video. 

Moss Law Firm has previously been sued by consumers for pursuing the wrong parties, which further demonstrates the importance of requiring full validation before collection or litigation activity continues. 
Moss Law Firm continues to pursue litigation against me on behalf of XXXX, XXXXXXXX XXXX XXXX. without providing full and proper validation of the alleged debt under 15 U.S.C 1692g ( b ). 

In response to my previous CFPB complaint, Moss Law Firm provided only a one-page " validation notice '' and few account statements. They continue to misrepresent this minimal documentation as full validation and rely on non-binding case law to claim they have no obligation to provide additional evidence. 
This interpretation is misleading and inconsistent with the FDCPA and the CFPB 's Regulations. Account statements and an initial notice do not establish ownership or standing after charge-off, a signed agreement, or an itemized accounting proving the amount claimed. Nevertheless, the firm filed and continues litigation without supplying those materials after my timely disputes. 

Moss Law Firm operates a high-volume, litigation-first collection model. They file large numbers of cases quickly after charge-off, without offering consumers a reasonable chance to review or resolve disputes before court. This practice increases errors- such as wrong-party suits and incomplete validation - and deprives consumers of the fair opportunity the FDCPA intends to provide before litigation. 
I request the CFPB investigate this firm 's practices for deceptive use of " validation '' language, misuse of legal citations and failure to provide documentation establishing the alleged debt 's ownership and accuracy before litigation, and that collection and litigation be paused until proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-16 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: GA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I reached out to both XXXX and XXXX to request hardship assistance due to job loss and financial hardship. My request was completely dismissed. No options were given, no flexibility offered, and I was told there were no programs available which is unacceptable. I made the request in good faith and documented my situation. I am exercising my legal right to written communication only and do not consent to phone contact. I want all communication in writing. Their refusal to assist while continuing to report or pursue collection is predatory and out of line with current standards. I want this reviewed by the CFPB immediately and demand a formal response in writing. If no hardship options exist, I want proof of that and an explanation of why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-16 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: AL

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 2025-10-16 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: AL

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 non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Email : XXXX Phone : XXXX Date : [ Insert Todays Date ] Transworld Systems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Subject : Request for Debt Validation Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) To Whom It May Concern, I am writing in response to a notice I received from your company regarding an alleged debt. Please be advised that I am formally requesting validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I do not acknowledge this debt and request that you provide the following documentation : 1.The name and address of the original creditor.

2.The amount of the alleged debt, including an itemized breakdown of interest, fees, and other charges.

3.Proof that I am legally obligated to pay this debt ( for example, a copy of any signed agreement or contract ).

4.Verification that Transworld Systems Inc. is authorized and licensed to collect debts in my state, including your license number and registered agent information.

Until this information is provided, please cease all collection activities, including phone calls, written correspondence, and any credit bureau reporting related to this alleged debt.

Be advised that if you continue collection efforts without providing proper validation, you will be in violation of the FDCPA.

Please send all correspondence regarding this matter to my mailing address listed above. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX XX/XX/XXXX VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED XXXX XXXX XXXX. Box XXXX XXXX, TX XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX RE : Formal Notice of Intent to Sue for Violation of Federal Law Failure to Remove Inaccurate Reporting ( Account No. XXXX * * * * XXXX / XXXX ) To Whom It May Concern, This letter serves as my formal notice of intent to sue under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., for your collective failure to remove and verify the inaccurate reporting of the above-referenced XXXX XXXX account. 
Despite my prior written disputes and notices, you have continued to report this account, which is both inaccurate and unverified, in violation of federal law. Specifically, you have failed to : XXXX. XXXX a reasonable investigation into my dispute as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ; 2. Delete or correct the inaccurate information within the statutory time limit ( 30 days ) under 15 U.S.C.

1681i ( a ) ( 5 ).

Your continued reporting of this unsubstantiated information constitutes willful and negligent noncompliance with federal law and has caused me measurable damages including credit denials, emotional distress, and harm to my financial reputation. 
XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Credit bureaus must go beyond cursory reinvestigations and ensure data accuracy. 
XXXX v. XXXX Bank of Massachusetts, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) Failure to conduct a reasonable investigation creates liability under FCRA. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX efforts without proper validation violate FDCPA 1692g. 
Demand for XXXX I hereby demand that you : XXXX. Immediately delete all reporting of this XXXX XXXX account ( No. XXXX * * * * XXXX / XXXX ) from all credit bureaus. 
Failure to comply will result in my filing a civil lawsuit in federal court seeking actual, statutory, and punitive damages, along with attorneys fees and court costs as permitted under 15 U.S.C.

1681n, 1681o, and 1692k. 
Please govern yourselves accordingly. 
Sincerely, /s/ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LD Holdings Group, LLC
State: NH

Complaint narrative:
Loan Depot. I was told I could recast right after I sold my other house. I sold my other house and I have money sitting there to recast but they keep saying that the loan needs to be picked up or purchased by an investor They don't have an exact date it could take until next month or up to 3 months and then I'm sure the new company or investor is going to do that as well and I am going to be stuck paying a mortgage that is more than double for 6 months when I was under the impression that I could recast right away meanwhile these companies are making a lot of money on us in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 FRAUDULENT INQUIRIES : 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 2025-10-16 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: NC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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