vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Cease and Desist Notice Re : Demand to Stop Contact under 15 U.S.C. 1692c ( c ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Collection ServicesXXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is a formal demand that you immediately cease all communication with me regarding any alleged debt, as provided under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act. You are prohibited from contacting me further except to : Confirm that collection efforts are terminated, or Notify me of specific legal remedies you intend to pursue. Any other contact will be considered a violation of federal law, and I will take appropriate action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Respectfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history. 

The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy. 
The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: IL

Complaint narrative:
I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or XXXX. Such actions violate the automatic stay and discharge injunction under bankruptcy 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 non-monetary relief
Consumer complaint received 2025-12-01 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:
This account was paid in full within a XXXX period with a one time lump sum payment amount to the account for the balance of {$17000.00} to XXXX XXXX XXXX XXXX close the account in good standing as reported to the XXXX  XXXX XXXX XXXX This account was never paid late and is reported by XXXX XXXX XXXX as " Paid as agreed ''. Yet, XXXX XXXX XXXX is reporting the same account as a XXXX XXXX XXXX day late which is inaccurate data. XXXX XXXX XXXX is also reporting XXXX separate account numbers for this account as * XXXX to XXXX, XXXX to XXXX, and XXXX to Transunion which are all different. XXXX reflects the {$17000.00} lump sum payment as well.

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 2025-12-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
i tried depositing XXXX {$20.00} bills that were unfit but not mutilated. You can see the face all the numbers and its readable just dirty.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
I am not linked with these accounts ; please clear them within 15 days under USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: AZ

Complaint narrative:
I am filing this complaint because TransUnion has failed to comply with the Fair Credit Reporting Act ( FCRA ) regarding several fraudulent accounts that are not mine. 

In XXXX of this year, I submitted a valid FTC Identity Theft Report, a copy of my ID, proof of address, and complete documentation of every fraudulent transaction tied to the affected accounts ( XXXX XXXX and two XXXX  XXXX accounts ). These accounts were used without my authorization and are now closed, yet they continue to appear on my credit reports. 

Despite providing all legally required proof, the creditors have refused to assist me and repeatedly sent me in circles ( contact the credit bureau contact the creditor ), resulting in months of non-compliance and no resolution.

Under FCRA 605B, once a consumer submits a valid identity theft report, the fraudulent accounts must be blocked within 4 business days. The companies involved have failed to do so. I am requesting immediate enforcement so these fraudulent accounts are permanently blocked and removed from my reports, and that all parties comply with their legal obligations. 

Please investigate and require TransUnion to remove these fraudulent accounts from my credit file immediately. 

Thank 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 non-monetary relief
Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
I am filing this complaint because the consumer reporting agency has failed to comply with its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). This provision requires the agency to provide a comprehensive description of the reinvestigation procedures used to verify disputed information when requested by the consumer. I specifically requested the name and contact information of the furnisher, the identity of the individual with whom the agency communicated, and the documentation relied upon to verify the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law, which constitutes a clear and direct violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Reliant Capital Solutions, LLC
State: CT

Complaint narrative:
My credit report contains multiple inaccurate collection accounts and late payments. Some accounts are reported by third-party debt buyers or collection agencies as original creditors, which is incorrect and misleading. Other accounts show inaccurate balances or impossible open dates. I have previously disputed these items with the creditors and credit bureaus, but they were marked as verified without any supporting documentation. I have not been provided copies of original contracts, signed agreements, or proof that the furnisher had my consent to report this information. I am requesting full verification of all disputed accounts, and removal if the documentation or proof of permissible purpose can not be provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: CT

Complaint narrative:
My credit report contains multiple inaccurate collection accounts and late payments. Some accounts are reported by third-party debt buyers or collection agencies as original creditors, which is incorrect and misleading. Other accounts show inaccurate balances or impossible open dates. I have previously disputed these items with the creditors and credit bureaus, but they were marked as verified without any supporting documentation. I have not been provided copies of original contracts, signed agreements, or proof that the furnisher had my consent to report this information. I am requesting full verification of all disputed accounts, and removal if the documentation or proof of permissible purpose can not be provided

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please accept this letter as my official notice disputing the listed accounts. I have no relationship with them and did not permit their creation. I am requesting an immediate review and deletion. Documentation is provided.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MI

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC
State: MS

Complaint narrative:
Stop payment was issued by company ID at my bank for all future transactions on XX/XX/XXXX. Two transactions were deducted from my bank account on XX/XX/XXXX one for XXXX and another for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: ME

Complaint narrative:
On XX/XX/year> i sent {$450.00} to a friend, XXXX  denied them access to the funds and sent an email saying they were closing the recipients XXXX  account permanently. They stated in that letter that they would be refunding my {$450.00} that I sent, via XXXX, because her account was no longer active. ( Letter from XXXX  attached ) I want the refund of the {$450.00} they said would be made back into my account since they closed the recipients XXXX  account permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Velocity Portfolio Group
State: MN

Complaint narrative:
Subject : Debt Collection Abuse, Failure to Provide Validation, Ignoring Arbitration Election, and Improper Garnishment Proceedings Company ( XXXX ) Involved : Velocity Investments , LLC XXXX XXXX XXXX XXXX XXXX XXXX 

Summary of Issue : Velocity Investments and XXXX XXXX XXXX  continued collection activity, including obtaining a garnishment judgment, without validating the alleged debt, without proving ownership/assignment, and after I elected arbitration and issued a cease-and-desist request. They proceeded with garnishment despite failing to provide any legally required documentation or respond to my dispute. 

Details of the Problem Debt Was Never Validated I requested written validation of the alleged debt, including : Proof that I owe the debt, A complete account history, Proof of transfer or assignment, A bill of sale between the original creditor and Velocity Investments. 

None of these documents were ever provided, yet the collector continued pursuing a judgment. 

No Proof of Ownership or Chain of Assignment I specifically asked Velocity Investments and XXXX XXXX XXXX XXXX provide proof that they legally own or have been assigned the alleged account. 

I received no bill of sale, No assignment documentation, No affidavit establishing ownership, No evidence tying my name to the alleged account. 

XXXX XXXX Was Ignored Under the terms of the original creditors agreement, I elected private contractual arbitration, which requires the parties to resolve the matter outside of court. 

XXXX XXXX XXXX and Velocity Investments ignored this election. 

They proceeded in district court instead of honoring legally binding arbitration provisions. 

Cease and Desist Was Not Honored I issued a written cease-and-desist under FDCPA protections, informing them to stop all communication except for legally required notices. 

They continued collection attempts, They did not respond to validation requests, They escalated collection activity by obtaining a garnishment summons. 

Improper Garnishment Activity I received a Garnishment Summons and Notice to Debtor dated XX/XX/year> from XXXX XXXX XXXX acting on behalf of Velocity Investments XXXX XXXX from XXXX. 

This garnishment was pursued without prior validation, Without responding to my dispute, And without proof that the debt exists or belongs to me. 

This violates FDCPA requirements that collectors must cease collection until the debt is validated after a written dispute. 

Disputing a Debt They Can not Prove Exists They have not demonstrated that the amount claimed ( {$5000.00} according to the garnishment document ) is accurate, legitimate, or legally collectible. They have not shown how the amount was calculated or that it originated from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: GA

Complaint narrative:
This is not my account, and it appears on my report in error.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I mailed a certified Pay-to-Delete and Debt Validation Request to Lead Bank / Self Financial regarding my Self XXXX  Credit Card ( Acct # ending XXXX ). USPS confirmed delivery on XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 1 ) ( A ) ) and Fair Debt Collection Practices Act ( FDCPA 809 ( b ) & 807 ( 8 ) ), a furnisher is prohibited from reporting new or adverse information on an account once a written dispute or validation request has been received until the matter is fully investigated and resolved. 

Despite this, Lead Bank failed to acknowledge my dispute within the required timeframe and furnished a Charged Off status to the credit bureaus on XX/XX/year>, causing an immediate score drop. Only after the damage was done, on XX/XX/year>, did the company email me confirming receipt of my validation request, proving they were aware of the pending dispute before updating the account. 

This action constitutes a willful violation of both FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 807 ( 8 ), as the furnisher knowingly reported false, disputed information and failed to mark the account as disputed by consumer. The adverse update during an active investigation period is retaliatory, inaccurate, and damaging to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-12-01 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: RI

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the accuracy of the following accounts on my credit report. I request that these items be thoroughly investigated and updated or removed accordingly, as they appear to be reported inaccurately. Below are the accounts in dispute, separated by each credit bureau. 

Charge Off Accounts : XXXX  XXXX XXXX ( XXXX XXXX  XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6800.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX ( XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}

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 explanation
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
The information referenced presents a misleading depiction of my financial responsibility. Please verify and correct the record following review.

Company response to consumer: Closed with non-monetary relief