vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
This is a XXXX XXXX and FCRA factual dispute regarding an inaccurate collection account reported by Jefferson Capital Systems. 
I have disputed this account repeatedly for over 90 days and have never received any documentation or proof of debt. I requested full validation, including the original contract, payment history, and assignment records, and nothing has been provided by Jefferson Capital Systems or the credit bureaus. 
This failure to verify violates FCRA 1681i and 1681s-2, as well as XXXX XXXX reporting standards. The continued reporting is misleading and damaging. 
I request immediate deletion of this account from all credit reports within 15 days for failure to verify and maintain accurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
This is a factual dispute under XXXX XXXX and the FCRA for an unverified collection account from Southwest Recovery Services ( Acct # XXXX, {$150.00} ). I have been disputing this debt since XX/XX/year> and have never received proof of debt, reinvestigation results, or verification from the credit bureaus. The furnisher continues to report the account as derogatory even though it remains unverified and lacks documentation showing ownership or validation. This violates FCRA 1681i. I am requesting full deletion of this account for failure to verify and for reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I have called several times ... that card was requested because it was seen that normal like others I have ... however I do not use it and I am being charged more than XXXX dollars the previous month they came out that it was XXXX and now it is XXXX when I even pay XXXX dollars to see if they closed my account, I call to deal and they do not answer calls. Now from my debit account where I pay the XXXX, they are debiting me twice the same amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: NY

Complaint narrative:
This complaint is regarding inaccurate, inconsistent, and unverifiable credit reporting by Jefferson Capital Systems , LLC across Experian and Equifax. The account continues to report as derogatory with conflicting statuses Closed on Experian but XXXX on Equifax and inconsistent dates of last activity ( XX/XX/XXXX vs. XX/XX/XXXX ). The account is also showing different creditor types ( XXXX XXXX XXXX vs. XXXX XXXX ), which indicates inaccurate data transmission. 

Despite being previously disputed, both bureaus list this account as Account not disputed, violating FCRA 623 ( a ) ( 3 ), which requires furnishers to mark an account as disputed once a consumer has challenged its accuracy. Furthermore, Jefferson Capital Systems has not provided any validation or verification of the debt as required by FDCPA 809 ( b ), nor has either credit bureau provided a method of verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

The continued reporting of this unverified and inconsistent information violates : FCRA 607 ( b ) : Failure to maintain maximum possible accuracy.

FCRA 611 ( a ) : Failure to conduct a reasonable reinvestigation.

FCRA 611 ( a ) ( 5 ) ( A ) : Failure to delete unverifiable information.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information known or believed to be inaccurate.

FCRA 623 ( a ) ( 3 ) : Failing to report the account as disputed.

FDCPA 807 ( 8 ) : Reporting disputed debt without indicating it is disputed.

FDCPA 809 ( b ) : Continuing collection ( credit reporting ) without validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: KY

Complaint narrative:
XXXX XXXX student loans were taken out in my name for Georgia state university when I lived in XXXX, Ky. I never graduated high school but somehow somebody was allowed to apply for loans under my name. They also got these loans under my maiden name but I got married in XXXX. Mohela has allowed this to continue when I've reached out to them since XXXX when I found these loans on my credit report. I sent numerous documents proving I'm not this person and because I didnt have XXXX but I had XXXX forms with my signature on them they said I didn't qualify. These loans were taken out when the world was lockdown due to covid.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: Block, Inc.
State: AR

Complaint narrative:
I had a previous cash app account that I do not have any access to anymore. Such as username, password, email or number. I do have a new cash app account now. I have asked to have my balance from my old account transferred. They sent me an email to send in verification it was me. I sent everything in, and they are still not trying to transfer my money. I know I had XXXX XXXXXXXX and in XXXX im not sure. Can you please help get my money transferred to my new account. They cant just hold my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: PA

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint regarding Absolute Resolutions LLC for reporting collection accounts on my credit report without providing legally required validation. This company continue reporting negative information without furnishing proof of the alleged debts, violating the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
Accounts in Dispute : Absolute Resolutions LLC Account # XXXX Despite my formal written dispute and request for validation, neither company has provided : A signed contract bearing my signature Proof of assignment or ownership of the alleged debt Itemized billing statements or breakdown of charges Complete chain of custody/transfer of the alleged account Yet they continue reporting these accounts and have marked them as investigated without providing documentation. This is a direct violation of multiple federal regulations. 
Violations : FDCPA : 15 U.S.C. 1692g ( b ) Failure to cease collection activity and validate debt 15 U.S.C. 1692e False/misleading representation via continued reporting without proof FCRA : 15 U.S.C. 1681i ( a ) Failure to conduct reasonable reinvestigation 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate 15 U.S.C. 1681s2 ( b ) Failure to provide documentation after notice of dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
I am submitting this complaint regarding two accounts reported and managed by Resurgent Capital Services, L.P., acting on behalf of LVNV Funding LLC. These accounts, originally associated with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX, are being reported inaccurately and remain unverified despite multiple disputes and validation requests. 

On XX/XX/year>, and XX/XX/year>, I received responses from Resurgent Capital that failed to provide proper validation under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ). Their correspondence consisted only of generic notices without providing legally required documentation such as the original signed agreement, itemized account history, or chain of title proving legal ownership or assignment of the debt.

I have no verified contractual relationship with Resurgent Capital or LVNV Funding LLC. Despite my written and documented disputes, Resurgent continues to report these unverifiable tradelines to XXXX XXXX XXXX XXXX which constitutes an ongoing violation of FCRA 1681e ( b ) ( accuracy obligations ), 1681s-2 ( b ) ( duty to investigate and correct ), and FDCPA 1692g ( b ) ( continuing collection without validation ). 

The companys practice of sending templated responses without substantiation represents an unfair and misleading stall tactic that deprives me of my legal right to meaningful dispute resolution. Their failure to perform a lawful reinvestigation and to provide original documentation violates federal law and consumer protection standards established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all confirming that unverifiable or incomplete information can not remain on a consumers credit file. 

At this point, both accounts remain inaccurately reported and unverifiable, causing measurable harm to my creditworthiness and financial integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I closed my mortgage loan with Newrez, XXXX ( XXXX Shellpoint Mortgage Servicing ) on XX/XX/year> with a promise that the first XXXX months of payments would be waived, and a XX/XX/XXXX due date of first payment. Despite this, Newrez drafted my XXXX payment, which was not supposed to be due. I disputed the unauthorized draft with my bank, and the dispute was resolved in my favor with a permanent refund. Since then, Newrez representatives have threatened to rescind or negatively affect my loan because I exercised my right to dispute an improper charge. This is clear retaliation and an unfair, deceptive, or abusive act under federal law. I have made several calls to NewRez to settle this matter but to no avail. Along with our XXXX payment being returned, Newrez also refunded me the escrow balance and a partial payment from the money they drafted in XXXX, which resulted in an overpayment of around {$1700.00}, which we are willing to return.

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I assert that the inaccurate late payment entries on my accounts violate 15 U.S.C. 1666. I have consistently made my payments on time, and any discrepancies in this reporting are both unfair and unlawful.

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 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: TX

Complaint narrative:
This is a XXXX XXXX factual dispute regarding an inaccurate collection account from IQ Data XXXX  ( Acct # XXXX, {$15000.00} ). I have been disputing this account since XX/XX/year> and have received no verification or investigation results from either the credit bureaus or the furnisher. This violates FCRA 1681i and 1681s-2, which require verification and reinvestigation within 30 days. The account continues to report as derogatory and unpaid with no supporting documentation. I am requesting immediate deletion of this account from all credit reports for failure to verify and for inaccurate, misleading reporting under XXXX XXXX standards.I requested full verification and validation of the alleged debt, including the original signed contract, complete payment history, date of default, and proof of assignment or ownership from the collection company, but after over 60 days, I have not received any response or documentation verifying this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year>, a payment of {$2100.00} was processed through my PayPal account for a purchase from XXXX. The item was shipped via XXXX. 

I never received the laptop I paid for. The XXXX XXXX information may show a status of " delivered '' on XX/XX/year>, but the signature on the delivery confirmation is forged and is not my signature. This proves the item was not delivered to me, the intended recipient. 

I opened a formal dispute with PayPal for " Item Not Received. '' I am concerned my claim will be unfairly denied based on the invalid delivery confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Spring Oaks Capital purchased the portfolio containing the referenced tradeline on XX/XX/XXXX and admits the account charged off in XX/XX/XXXX. Despite that admission and repeated disputes, Spring Oaks has continued to furnish updated, derogatory reporting on that tradeline into XXXX. I filed disputes with the CRAs and submitted a CFPB complaint. Spring Oaks responded on XX/XX/XXXX with a bill of sale and a boilerplate we investigated and our reporting is accurate letter not a correction and not a deletion. Spring Oaks own production establishes the true Date of First Delinquency and the charge-off date, yet the company continues to transmit dates and status information that make the account appear recently active. That practice unlawfully re-ages the tradeline, extends the seven-year reporting clock, and materially misleads credit grantors. The continued reporting has suppressed my creditworthiness, inflicted financial harm, and caused substantial time and expense in dispute and remediation efforts. 

This is not clerical error language ; it is willful and wanton disregard for the Fair Credit Reporting Act. Spring Oaks boilerplate investigation without correction of the DOFD or production of the exact data files it furnished to the CRAs is legally inadequate and constitutes prima facie evidence of unlawful furnishing and failure to ensure maximum possible accuracy. See 15 U.S.C. 1681c ( a ) ( 4 ), 1681e ( b ), 1681s-2 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I assert that the inaccurate late payment entries on my accounts violate 15 U.S.C. 1666. I have consistently paid on time, and any discrepancies in this reporting are both unfair and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My rights were violated as a consumer under 15 USC 1681c-2 and I need them blocked and deleted from my report as soon as possible.

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 2025-11-04 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: FL

Complaint narrative:
I XXXX XXXX am a victim of Identity theft and multiple data breaches. My FTC Identity theft report was filed XX/XX/year>. Despite following all proper procedures the credit bureaus continue to report fraudulent accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The ongoing reporting and repeated verification of these fraudulent accounts violate multiple sections of the fair credit Act ( FCRA ). These include the failure to block and delete fraudulent information within four business days after receipt of mu identity theft report, failure to reinvestigate properly, and continued furnishing of false data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Enclosed are the necessary documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
My case was escalated twice to the Coinbase 's investigation team. Coinbase double charged me on XXXX XXXX of {$8000.00}. I reported to XXXX XXXX XXXX and after a thorough investigation, they reversed {$8000.00} to my bank account because the bank knew that Coinbase actually double charged me. However, Coinbase forced me to pay back that {$8000.00}. Coinbase promised not to sell my crypto while they investigate, however today all my crypto money on Coinbase disappeared. 

I do not owe Coinbase anything. They double charged me and now they want me to settle the balance. This is a stealing act. I also read a lot of forums and Coinbase even withdraws their account multiple times like me. I can not imagine Coinbase can be added to XXXX XXXX XXXX XXXXXXXX. They literally steal people 's money and keep ignoring all messages and requests.

Company response to consumer: Closed with explanation