vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC
State: NJ

Complaint narrative:
I have a credit card with Continental Finance with Celtic Bank, that is reporting inaccurately on my credit report. There are several late remarks on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, that are inaccurate and hurting my credit. I don't recall ever being late on this account. In fact, I believe I was on autopay for the entirety of this credit card being open. Please investigate this account, and place it in dispute. Please send me all validation documents and the account statements from the aforementioned months, to prove that I missed those payments. If you are unable to validate these late remarks, or provide any validation documents, please remove this account from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
My account is frozen for an unknown reason. Two different customer service reps are unable to assistance. They indicated they do not know what the error code is and do not have access/ do not see/ know what the codes mean. 

They told me it will likely clear itself out in a few days and try back. I asked for additional escalation but was told by the manager there is nobody else. They told me to try to break up the payments ( {$1100.00} ) in small amounts because, maybe it was flagged because of teh amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
XXXX XXXX  Account # XXXX Current Balance {$13000.00} Opened XX/XX/year> Status : Charged Off as Bad Debt/ Profit and Loss Write Off According to IRS regulations, creditors are required to issue Form 1099-C when a debt of {$600.00} or more is canceled or forgiven. I have not received this form for the above-mentioned account, which I need for accurate tax reporting. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., furnishers of information to credit reporting agencies are obligated to report accurate and complete information. If a debt has been canceled and a 1099-C issued, continuing to report a balance may constitute inaccurate reporting, potentially violating the FCRA.

I kindly request that you : Provide a copy of Form 1099-C for the above account. 

Update all relevant credit reporting agencies to reflect the accurate status of the account, including a XXXX balance if the debt has been canceled. 

Please send the requested form and confirmation of any credit report updates to the address listed above. I appreciate your prompt attention to this matter and expect a response within 30 days, as stipulated by the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX  Account # XXXX Current Balance {$13000.00} Opened XX/XX/year> Status : Charged Off as Bad Debt/ Profit and Loss Write Off According to IRS regulations, creditors are required to issue Form 1099-C when a debt of {$600.00} or more is canceled or forgiven. I have not received this form for the above-mentioned account, which I need for accurate tax reporting. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., furnishers of information to credit reporting agencies are obligated to report accurate and complete information. If a debt has been canceled and a 1099-C issued, continuing to report a balance may constitute inaccurate reporting, potentially violating the FCRA.

I kindly request that you : Provide a copy of Form 1099-C for the above account. 

Update all relevant credit reporting agencies to reflect the accurate status of the account, including a XXXX balance if the debt has been canceled. 

Please send the requested form and confirmation of any credit report updates to the address listed above. I appreciate your prompt attention to this matter and expect a response within 30 days, as stipulated by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXXXXXX XXXX Account # XXXX Current Balance {$13000.00} Opened XX/XX/year> Status : Charged Off as Bad Debt/ Profit and Loss Write Off According to IRS regulations, creditors are required to issue Form 1099-C when a debt of {$600.00} or more is canceled or forgiven. I have not received this form for the above-mentioned account, which I need for accurate tax reporting. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., furnishers of information to credit reporting agencies are obligated to report accurate and complete information. If a debt has been canceled and a 1099-C issued, continuing to report a balance may constitute inaccurate reporting, potentially violating the FCRA.

I kindly request that you : Provide a copy of Form 1099-C for the above account. 

Update all relevant credit reporting agencies to reflect the accurate status of the account, including a XXXX balance if the debt has been canceled. 

Please send the requested form and confirmation of any credit report updates to the address listed above. I appreciate your prompt attention to this matter and expect a response within 30 days, as stipulated by the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
XXXXCFPB Rebuttal & Escalation Letter\nTo be submitted to CFPB Portal & mailed to relevant agencies\n\nDate: XXXX XXXX XXXXTo:\nConsumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX XXXXFrom:XXXX XXXX XXXX XXXX XXXX XXXXRE: Formal Rebuttal  CFPB Case #XXXX XXXXXXXX XXXX XXXXCreditor: XXXX XXXX LVNV Funding LLC (Serviced by Resurgent Capital Services)\nAccount Number: XXXX XXXX XXXX XXXXReference Number: XXXX\n\nTo Whom It May Concern:\n\nThis is my formal rebuttal and demand for full enforcement of my rights under the FCRA, FDCPA, TILA, and U.S. consumer protection laws.\n\nDespite submitting multiple disputes and documentation, LVNV Funding LLC and Resurgent Capital Services have failed to provide:\n\nA signed contract or agreement with my wet signature\n\nA full itemized accounting or ledger per GAAP\n\nProof of a chain of title and ownership rights to collect\n\nEvidence that the debt is not time-barred under Iowa law\n\nA valid license to collect in the State of Iowa\n\nAny disclosure regarding securitization or monetization of the debt\n\nThey continue to rely on template responses that do not comply with the requirements of 15 U.S.C.  1692g,  1681s-2, or  1681i. Their refusal to provide material verification while continuing to report this debt is not only unlawful but demonstrates willful noncompliance.\n\nI have also requested IRS Form 1099-C or proof the debt has not been discharged via Treasury offset or secondary markets. Their attempt to redirect responsibility shows a lack of transparency.\n\n Final Demand:\nI now formally request that LVNV Funding LLC and Resurgent Capital Services be compelled to provide complete validation of the alleged debt or that the account be deleted from all consumer credit files at XXXX XXXX XXXX XXXXIf action is not taken within 15 business days, I will:\n\nFile formal complaints with the Federal Trade Commission (FTC)\n\nSubmit documentation to the Iowa Attorney General\n\nEscalate to the U.S. Department of Justice Consumer Protection Division\n\nInitiate a civil suit for damages due to willful violations of the FCRA and FDCPA\n\nThank you for your attention to this matter. I request that you notify me immediately upon resolution and provide confirmation of any regulatory enforcement actions.\n\nSincerely,XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I have a XXXX XXXXXXXX XXXX XXXX XXXX. Every XXXX purchase is suppose to be a 6 month no interest charge. I only use this card to pay for XXXX XXXX and XXXXXXXX XXXX tickets. There are times they do not code my purchase as an XXXX charge and then hit me with interest or a fee so I have to call. Then every month when I pay what I think is the balance payoff for the promotional amount to be paid without being charged interest, they only apply a portion of my payment and spread the payment out over the other promotional plans so they can charge me fees and interest. This happens almost every month and then when I call they are rude and just tell me this is how their bank works.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Student loan accounts from DEPTEDXXXX were reported to my credit file without my written consent, violating FERPA regulations. I submitted a prior dispute to the credit bureau but received no evidence of authorized disclosure. This continues to harm my credit and breaches both FERPA and FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am opting out of any and all reporting of my information with XXXX. They have been reporting inaccurate information to XXXX, Equifax and XXXX. XXXX  Equifax, and XXXX  did not complete a through and accurate investigation before putting this information on my report. The CRAS aren't even reporting the correct name of the company on my credit profile. I want this account removed completely from my report. I request a full and detailed report from each CRA. I would also like to be compensated from every party for each inaccurate report on my profile in accordance with the FCRA, for no less than {$1000.00} each. There are different balances, verification dates, accounts ratings, creditor remarks and so on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
I am opting out of any and all reporting of my information with XXXX. They have been reporting inaccurate information to XXXX, XXXX  and Experian. XXXX  XXXX, and Experian did not complete a through and accurate investigation before putting this information on my report. The CRAS aren't even reporting the correct name of the company on my credit profile. I want this account removed completely from my report. I request a full and detailed report from each CRA. I would also like to be compensated from every party for each inaccurate report on my profile in accordance with the FCRA, for no less than {$1000.00} each. There are different balances, verification dates, accounts ratings, creditor remarks and so on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is a follow-up to multiple disputes Ive already submitted, and honestly, its extremely frustrating that nothing has changed. Experian continues to report accounts that were previously deleted after being found unverifiable. Now theyve been reinserted into my credit file without any explanation, certification, or required notice, which is a direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). If something is reinserted, they are legally required to notify me within 5 business days and certify that the data is accurate, that never happened.

The specific accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not only are these accounts unverified, but theyre also inconsistently reported across the credit bureaus. XXXX  isnt even reporting XXXX, and XXXX XXXX is only showing on Experian, not on XXXX  or XXXX. The data doesnt match across bureaus, so how can Experian claim this reporting is accurate? 

Under 15 U.S.C. 1681i ( a ) ( 1 ) and 1681i ( a ) ( 6 ) ( B ) ( iii ), they are required to conduct a reasonable reinvestigation and provide a detailed explanation of how the accounts were verified. Ive asked for this and still havent received it. Under 15 U.S.C. 1681e ( b ), theyre also obligated to maintain maximum possible accuracy clearly, which is not happening here.

This isnt an isolated mistake either. The CFPB lawsuit against Experian shows theyve been doing this to other consumers, too performing sham investigations, re-inserting information without proper procedures, and ignoring consumer notices. Whats happening to me fits that same exact pattern. 

At this point, Im demanding the following : Permanent deletion of both the XXXX and XXXX XXXX accounts from my Experian credit report. 

A full explanation of how Experian verified these accounts, as required under 15 U.S.C. 1681i ( a ) ( 7 ).

Proof that a real reinvestigation was done, not an E-OSCAR auto-response. I do not consent to automated systems validating false data. 

If this isnt resolved immediately, Ill escalate through all legal and regulatory channels, including action under 15 U.S.C. 1681n and 1681o ( which allows for {$1000.00} per violation ), and Ill file formal complaints with the CFPB, XXXX, and Attorney General.

I expect a full resolution within 15 days. Experian has had more than enough chances, and I just want this corrected permanently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) XXXX XXXX XXXX that no proof of the alleged debt. Nor therefore any such debt in fact therefore exist. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX {$48000.00}, XXXXXXXX XXXX XXXX {$13000.00}, XXXX XXXX XXXX XXXX {$12000.00}, XXXX XXXX Balance {$3600.00}, XXXX XXXX Balance {$3400.00}, XXXX XXXX Bank XXXX {$390.00}, XXXX XXXX  Balance {$620.00}, XXXX XXXX Balance {$490.00}, XXXX XXXX XXXX Balance {$1700.00}, XXXX  Balance {$490.00}, XXXX XXXX XXXX Balance {$620.00}, 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 non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MRS BPO, LLC
State: HI

Complaint narrative:
On XX/XX/XXXX I had called MRS BPO , LLC and spoke with XXXX XXXX. The call is in regards to a private student loan made back in XX/XX/XXXX for {$20000.00} with a balance due of {$14000.00}. I was explaining to her that I no longer owe the debt because my bankruptcy has already been discharged. I explained to her the cost of attendance has exceeded my loans and from what I am aware of I no longer owe the debt because of that reason. She did not allow me to finish what I was trying to explain to her. She still insists I owe the loan and what Im saying has no bearing. She did not even know what cost of attendance meant. She even asked me what that was. I had to stop my call with her because she refused to listen to me and was yelling. 

What I was trying to explain is that I had borrowed {$20000.00} back in XX/XX/XXXX from XXXX and creditor is XXXX XXXX XXXX. This is to attend school at University XXXX XXXX. I was given a total of {$10000.00} in federal subsidized and unsubsidized, including this {$20000.00} private loan. That totals {$30000.00}. The cost of attendance was about {$20000.00} for that year. My total loans exceed the cost of attendance, so therefore my loan would be included with my discharge in bankruptcy without needing the extra adversary proceeding. The loan was a consumer direct loan sent directly to me. A qualified education loan can be discharged without undue hardship if the cost of attendance exceeds the total loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
This account is in direct violation of the No Surprises Act and infringes upon my privacy rights under HIPAA. It was submitted without proper consent, notice, or itemized billing as required by federal law. 
If you fail to remove this account within 15 days, I will pursue litigation and file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Health and Human Services ( HHS ), and state attorney generals office for violations of consumer and privacy laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Ive disputed this collection that appeared on my credit. I was not aware of this collection as I never received any correspondence from this company. I found out by checking my credit report. I have requested debt validation directly from cavalry collection to which BOTH TIMES they chose to send irrelevant letters. Both letter were identical and only acknowledged that I am disputing however they did not sent ANY information relating to this debt collection nor anything that I requested. Which is a very clear violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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