vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 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: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Calvary Portfolio Services Debt Collection / Credit Reporting I am submitting this complaint regarding the way this collection agency is reporting an alleged debt on my consumer credit report. 
This account is being reported without proper verification and contains inaccurate and/or unsubstantiated information. I previously disputed this account and requested validation, vet the collection agency continues to report the account without providing documentation showing that the debt is accurate, that they have legal authority to collect, or that the information being furnished is complete and correct The continued reporting of this account has negatively impacted my credit profile and does not appear to comply with federal consumer protection requirements. 
What I believe is wrong : The collection agency has failed to properly validate the alleged debt The account is being reported inaccurately and/or without sufficient evidence The reporting appears to violate the Fair Credit Reporting Act ( FCRA ) and/or the Fair Debt Collection Practices Act ( FDCPA ) The agency continues to furnish information that is incomplete, misleading, or unverifiable. 
What I have done so far I have disputed this account directly and/or through the credit reporting agencies. Despite these efforts, the collection agency has not provided adequate proof or corrected the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
On Monday XX/XX/year>XXXX  I noticed I did not have the expected amount of money in my chime account. When I noticed that there was {$480.00} charged to my account from different location. I disputed them through the chime app. Chime refunded me the XXXX from the XXXX transaction but has denied the other transaction on multiple occasion even after telling me to contact the stores and file a police report. On XXXX XXXX I I filed a police report with the XXXX police department since this was the last place I saw and used my card. I submitted my police report to chime on XX/XX/XXXX and received a denial letter with no explanation and again called customer service on XX/XX/XXXX with updated police report and on XXXX XXXX  received another denial letter. I am looking for help to get my money back from this bank so I can close this account and never use chime again. 
- {$23.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2.00} XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
I disputed a collection account reported by Midland Credit Management on my XXXX  credit report ( Account XXXX, balance {$9700.00} ). 

XXXX  has already deleted this same account after determining it could not be verified. 

XXXX  claims the account was verified but has not provided documentation, proof of ownership, or verification of the Date of First Delinquency. 

Midland Credit Management is reporting as a debt buyer but has not demonstrated legal authority or complete validation. 

I am requesting that : XXXX  provide full verification documentation as required by the FCRA, or The account be deleted due to inability to verify I am also requesting that Midland Credit Management cease reporting until proper validation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Central Research Inc
State: OK

Complaint narrative:
Nelnet has withdrawn money from my checking account. 
XX/XX/year> {$600.00} XX/XX/year> {$68.00} XX/XX/year> {$600.00} XX/XX/year> {$68.00} I have no student loans. This is unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: IL

Complaint narrative:
XXXX XXXX XXXX. 

Debt Collection/Credit Reporting I am submitting this complaint regarding the way this collection agency is reporting an alleged debt on my consumer credit report. 

This account is being reported without proper verification and contains inaccurate and/or unsubstantiated information. I previously disputed this account and requested validation, yet the collection agency continues to report the account without providing documentation showing that the debt is accurate is accurate, that they have legal authority to collect, or that the information being furnished is complete and correct. 

The continued reporting of this account has negatively impacted my credit profile and does not appear to comply with federal consumer protection requirements. 

What I believe is wrong The collection agency has failed to properly validate the alleged debt. 
The account is being reported inaccurately and/or without sufficient evidence. 
The reporting appears to violate the Fair Credit Reporting Act ( FCRA ) and/or the Fair Debt Collection Practices Act ( FDCPA ) The agency continues to furnish information that is incomplete, misleading, or unverifiable. 

What I have done so far : I have disputed this account directly and/or through the credit reporting agencies. Despite these efforts. the collection agency has not provided adequate proof or corrected the inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
My PayPal account was permanently limited after I received a {$1000.00} personal transfer from a friend. This transfer was not related to any sale of goods or services, and there was nothing sus or anything thats not allowed to do conducted through PayPal. 

After the limitation, PayPal informed me that they would no longer provide services for my account, but did not clearly explain which specific activity violated their policy. I contacted PayPal to request clarification and asked whether this personal transfer from a friend was considered a violation, and can they help me to unlock my account and as well as when my remaining balance would be released. 

I was not provided with a clear explanation, only informed that the decision was final and that my funds would be held for up to 120 days. I am submitting this complaint to request clarification regarding the permanent limitation and I want my money back as soon as possible because all the money which is XXXX dollars now are frozen in my account. Everything that Paypal do to me is unreasonable and XXXX dollars is a lot of money and I need the money to survive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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 did not willfully or knowingly contract with such business or corporation. Which, is Aide Advantage. 15 U.S.C. 6802. I was only sent one letter in the mail 3 or 4 years ago.

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 2025-12-18 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: RI

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of certain collection accounts appearing on my consumer credit report. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information.

After reviewing my credit report, I have identified the following collection accounts ) as inaccurate, incomplete, or unverifiable : XXXX XXXX XXXXXXXX XXXX XXXX Date Opened XXXXXXXX XXXX  Date Opened XX/XX/year> These accounts are being reported without proper verification and/or contain inaccurate information. Under 15 U.S.C. S 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation to determine whether the disputed information is accurate. 
Additionally, if the furnisher of this information can not provide competent evidence to verify the accuracy and completeness of these collection accounts, the FCRA requires that the information be deleted or corrected promptly under 15 U.S.C. 1681i ( a ) ( 5 ).

Please provide me with : 1. Written confirmation of your reinvestigation results 2. Copies of any documentation used to verify the disputed accounts 3. An updated copy of my credit report reflecting the removal of any unverifiable information If this matter is not resolved within the 30-day statutory timeframe, please be advised that continued reporting of inaccurate or unverifiable information may constitute noncompliance under 15 U.S.C.

1681n and 16810, subjecting your agency to civil liability.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint regarding an unauthorized hard inquiry on my Equifax credit report, which was reported on XX/XX/year> by XXXX XXXX. This inquiry was neither initiated, authorized, nor consented to by me, and I assert that it is the result of identity theft. This violation is in direct contravention of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( 2 ), as there was no permissible purpose for this inquiry. 

Despite submitting an FTC Identity Theft Report ( Report Number : XXXX ), which clearly outlines the fraudulent activity, no corrective actions have been taken by Equifax to remove this unauthorized inquiry. I have made multiple attempts through the FTC to resolve this issue, but as of now, the inquiry remains on my credit report. 

I am now filing this complaint with the Consumer Financial Protection Bureau ( CFPB ), requesting immediate action to delete this unauthorized hard inquiry from my credit report and update my file accordingly. This ongoing issue has caused significant emotional distress and damage to my credit profile. 

I am asking the CFPB to compel Equifax to comply with the law by removing the fraudulent inquiry and ensuring my credit report is accurate. If this matter is not resolved promptly, I will pursue further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am disputing inaccurate personal information currently reported on my credit file, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. The information on my credit report is incorrect, and I am requesting immediate action to correct it. The accurate personal information should reflect my full name as XXXXXXXX XXXX XXXX XXXXXXXX, my address as XXXX XXXX XXXX, XXXX NJ XXXX, my employer as XXXX XXXX, my date of birth as XX/XX/year>, and my ITIN as XXXX. However, my report contains several inaccuracies, including incorrect addresses ( XXXX XXXX XXXX, XXXX, NJ XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX ), an inaccurate employer ( XXXX XXXX XXXX  ), and an incorrect SSN ( XXXX ), which should be replaced with my ITIN. These errors violate my right to a report with maximum possible accuracy, as outlined in 15 U.S.C. 1681e ( b ). I have already filed an FTC report regarding these inaccuracies, and now I am filing this complaint with the CFPB to request immediate action. I am asking the CFPB to intervene and ensure that these inaccuracies are deleted or corrected as soon as possible, as they are negatively affecting my creditworthiness.

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 2025-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally complain about multiple hard inquiries that appear on my credit report that I did not authorize, apply for, or give permission for. 

I discovered these inquiries after reviewing my credit report and immediately attempted to dispute them directly with the credit bureaus. Despite my efforts, the inquiries continue to appear on my credit file, which has caused unnecessary damage to my credit score and financial standing. 

At no time did I submit applications, provide consent, or authorize any company listed to access my credit report for a hard inquiry. I believe these inquiries were placed in error, without proper verification, or as a result of unauthorized use of my personal information. 

I took responsible steps to resolve this matter by filing an official report with the Federal Trade Commission and submitting written disputes with supporting documentation. Even after following the correct dispute process, these inaccurate inquiries have not been properly investigated or removed. 

These unauthorized inquiries have caused me financial harm, stress, and inconvenience. I am requesting a full and thorough investigation under the Fair Credit Reporting Act. If the companies that initiated these inquiries can not provide valid proof of my written authorization, the inquiries must be removed immediately. 

I am asking that all inaccurate and unauthorized hard inquiries be deleted from my credit report and that my credit file be corrected as required by law.

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 2025-12-18 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: RI

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of certain collection accounts appearing on my consumer credit report. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information. 
After reviewing my credit report, I have identified the following collection accounts ) as inaccurate, incomplete, or unverifiable : XXXX XXXX {$75.00} Date opened XX/XX/year>XXXX  These accounts are being reported without proper verification and/or contain inaccurate information. Under 15 U.S.C. S 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation to determine whether the disputed information is accurate. 
Additionally, if the furnisher of this information can not provide competent evidence to verify the accuracy and completeness of these collection accounts, the FCRA requires that the information be deleted or corrected promptly under 15 U.S.C. 1681i ( a ) ( 5 ).

Please provide me with : 1. Written confirmation of your reinvestigation results 2. Copies of any documentation used to verify the disputed accounts 3. An updated copy of my credit report reflecting the removal of any unverifiable information If this matter is not resolved within the 30-day statutory timeframe, please be advised that continued reporting of inaccurate or unverifiable information may constitute noncompliance under 15 U.S.C.

1681n and 16810, subjecting your agency to civil liability.

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
Company Name : Credit Collection Servic Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX What happened? 

On XX/XX/year>, I discovered that XXXX XXXX XXXX reported a new collection account on my credit report for {$100.00}, allegedly associated with XXXX XXXX. This reporting caused an immediate drop in my credit score. 

This was the first notice I have ever received regarding this alleged debt. I did not receive any written debt validation notice, billing statements, phone calls, emails, or other correspondence from either XXXX XXXX XXXX or XXXX XXXX prior to the account being reported to the credit bureaus. 

Why is this a problem? 

Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide written notice and an opportunity to dispute the debt. Reporting a collection account to the credit bureaus without first providing proper notice and validation is improper. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), furnishers of credit information are required to ensure the accuracy of information reported to credit bureaus. I dispute this account in its entirety and have not been provided with any documentation proving that this debt is valid or that I am legally responsible for it. 

What have I done so far? 
I have disputed this debt. 
I have requested written debt validation from Credit Collection Servic. 
I have never acknowledged or agreed to this debt. 

What do you want the company to do? 

I am requesting that Credit Collection Servic : 1. Provide full written validation of the alleged debt, including the original creditor, account details, and proof of my legal responsibility, or 2. Remove this account from all credit reporting agencies immediately. 

I am also requesting written confirmation of the resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
My account with XXXX XXXX  TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX  TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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