vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-07-23 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: NC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A 30-day late payment was incorrectly reported on my Trasnunion credit file by XXXX XXXX XXXX for the account ending in XXXX, opened on XX/XX/year>. I had full intent and financial ability to make the payment on time, and I attempted to do so through their online platform. However, due to technical issues on their system, my payment attempts were repeatedly blocked. The system did not allow the transaction to process until it was too late. 

I have attached supporting documents, including billing statements that show the timely payment attempts, as well as evidence of the system error that prevented proper processing. Additionally, I am providing confirmation of the successful payment that was eventually accepted but has yet to be reflected in their reported statements.

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 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
My check would not be accepted to my bank and i would be stuck in overdraft for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
I attempted to dispute an unfamiliar account listed on my credit report through XXXX XXXX for Caine and Weiner in the amount of {$260.00}, which was reported on XX/XX/year>. However XXXX XXXX did not allow me to enter any written explanation or details when submitting the dispute. 

I do not recognize this account, was never notified of any such debt and have no information about its origin. Despite trying to dispute it, XXXX XXXX failed to process my dispute properly or give me the opportunity to explain why I believe this information is in accurate. 

I am requesting that the credit bureaus ( XXXX, XXXX  and XXXX  ) investigate this account under the guidelines of the Fair Credit Reporting Act ( FCRA ). I also request that this account be marked as disputed on my credit report while the investigation is being conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates is reporting a debt on my credit report without ever validating the account. I do not know what kind of debt this is, who the original creditor was, or how they arrived at the amount. I never received any written notice or itemized breakdown. Despite this, they have reported the account as open with a false open date and no payment history. This is deceptive and violates FDCPA 809 and FCRA 623. I am requesting full deletion of the account and an investigation into their practices immediately. 

Further more I am writing to formally dispute the accuracy and completeness of an account listed on my credit report from Portfolio Recovery Associates. 
The account is being reported as open,XXXX  In the amount of {$820.00} while also listed as a collection, which is inconsistent and misleading. 
Additionally, no payment history is listed, making the tradeline incomplete under FCRA 623.

This is materially affecting my credit profile and appears to be in violation of federal credit reporting laws. 

Added the remark : Consumer disputes after resolution which is basically their way of saying we dont care, were reporting it anyway. 
Thats definitely a retaliatory move and can potentially violate : FCRA 611 if they reinvestigated but didnt verify anything new FCRA 623 furnishing knowingly inaccurate or incomplete information FDCPA 807 misleading debt collection tactics ( if theyre trying to make it look more negative ) and they are clearly. 
Here are the core violations : 1. No Validation Provided ( FDCPA 809 ) Despite repeated requests, Portfolio Recovery has failed to provide any proper debt validation, including : A signed contract Statement of charges Evidence they have legal right to collect Yet they continue to report and attempt to collect.

2. Inaccurate and Misleading Credit Reporting ( FCRA 623 & 611 ) Further more I never opened an account with them They didnt disclose it was purchased debt Theyre re-aging the debt to make it look newer ( a federal violation ) This needs to stop and trade-line removed immediately. Beyond deceptive and damaging my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I am disputing multiple inaccurate and inconsistent credit reporting entries from XXXX XXXX XXXX, Capital One, XXXX XXXX ( XXXX XXXX ), and XXXX XXXX XXXX, as reflected on my XXXX  and XXXX  reports. 

These accounts are reporting unverifiable balances, incorrect charge-off statuses, outdated payment information, and inconsistent last activity dates. I submitted formal disputes directly to each credit bureau and furnisher, along with a fraud alert and request for investigation under FCRA 1681e ( b ), 1681c-2, and 1681s-2. I also requested verification documents and proof of compliance with data accuracy requirements. 

To date, the companies have failed to provide validation or correct the reporting. These inaccuracies have caused significant harm to my credit profile and resulted in a credit score drop of over XXXX points.

I am requesting full deletion of the inaccurate accounts and enforcement of my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft, and have received notifications that my information has been involved in the Equifax, Transunion, and Experian data breaches. I have incorrect and inaccurate information that is shown on my credit report that is causing financial hardships, as well as preventing me from obtaining from obtaining credit from lenders. I have also received from identity monitoring services that my information has been exposed to the dark web.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Debt Collector Failed to Validate Debt Violation of FDCPA To Whom It May Concern, I am submitting this formal complaint against Jefferson Capital Systems , LLC, a debt collection agency, for failure to validate a debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

On XX/XX/XXXX, I mailed a certified Debt Validation Request to : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX They received the letter on [ insert XXXX delivery date ], as confirmed by XXXX Certified Mail tracking. In the letter, I clearly requested validation of the alleged debt, including : Amount and itemization of the debt Name and address of the original creditor Copy of the original signed agreement Proof of Jefferson Capitals legal authority to collect in California As of today, over 30 days have passed, and I have received no response. Despite this, the company has continued collection activity, which includes [ mention any contact attempts, credit reporting, etc., if applicable ], in direct violation of the FDCPA. 

I am requesting the CFPB to investigate this matter and hold Jefferson Capital Systems LLC accountable for its non-compliance with federal consumer protection laws. 

Attached are the following documents for your reference : A copy of my original validation letter Proof of delivery ( XXXX tracking or return receipt ) Any communications from Jefferson Capital ( if any ) Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Trade, Inc.
State: CA

Complaint narrative:
This debt was in relations to a XXXX XXXX XXXX I used to own and sold on XX/XX/XXXX to an XXXX XXXX that he later title floated and was crashed and recovered by XXXX XXXX. The vehicle was held and fees accumulated that have been falsely put on me and now sold off to Commercial Trade, a debt collector and this is wrongfully hurting my opportunities at credit as it is being reported to my XXXX  file. To rectify this situation the debt must be removed from my name and transferred to the person who purchased the car from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC
State: WA

Complaint narrative:
Opploans is collecting on a debt i can no longer pay they've repeatedly violated fair debt collections.. 

Texting with unsecured links ( repeatedly I have 15 ) ContacXXXX before XXXX my time. At least 3x Contact continues after requesting no further contact They are now spoofing their number.. I've blocked no less than 4 numbers from them This also doesnt include the collection companies they've hired to collect on their behalf thay have done similar things as well Im pretty sure we're past the statute if limitations for my state as well so I will be filing a complaint locally as well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Servicer under contract with Federal Student Aid
State: IN

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On XX/XX/year>, I sent a certified debt validation letter to LVNV Funding LLC ( XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX ) requesting verification of an alleged debt. This was done under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

They received the letter on [ insert XXXX delivery date ] as confirmed by XXXX Certified Mail. It has now been over 30 days, and they have not responded or provided any of the requested validation documents. 

Despite this, the company ( or its agents ) may have continued collection activity, which would be a violation of federal law. 

I am requesting that the CFPB investigate and ensure that LVNV Funding LLC complies with federal consumer protection laws. I have documentation to support my claim, including the original letter and proof of delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 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 2025-07-23 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: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9300.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : US DEPT ED - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} US DEPT ED - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services
State: VA

Complaint narrative:
Lendmark Financial ( XXXX, XXXX, VA branch ) has left repeated voicemails using threatening and harassing language. One message states, thats gon na get you in a situation you dont wan na be in, implying consequences if I dont respond. Ive told them Im in financial hardship and requested contact only by email. This behavior violates the Fair Debt Collection Practices Act ( FDCPA ). I have saved the voicemail and can provide it upon request. I am requesting the CFPB investigate and require this office to cease harassment and respect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: Possible Financial Inc
State: OH

Complaint narrative:
I had a {$75.00} loan with Possible Finance. I was late due to personal financial stress, but I paid the loan in full in early XXXX. The XXXX drop in my credit score feels disproportionate to the amount and context. Im asking for a goodwill adjustment or review of how this is impacting my score long-term. I want to rebuild responsibly and need support for fair treatment as I do so.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: CBC Companies, Inc.
State: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation