vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I dont recognize this public record so I contacted the courts and they stated that the information I gave them didnt matched that I ever filed bankruptcy in there courts ; please provide proof from the court of this public record. I never file bankruptcy ever in my life this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ; if this is not completed within 4 days I will file a CFPB, FTC XXXX XXXX and Attorney General compliant

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 2025-11-11 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: TX

Complaint narrative:
I dont recognize this public record so I contacted the courts and they stated that the information I gave them didnt matched that I ever filed bankruptcy in there courts ; please provide proof from the court of this public record. I never file bankruptcy ever in my life this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ; if this is not completed within 4 days I will file a CFPB, FTC XXXX XXXX and Attorney General compliant

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 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
TransUnion received my formal dispute on XX/XX/year>, regarding inaccurate reporting for Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) * *. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), they were required to complete a reinvestigation within XXXX  days, but XXXX days have passed with no response. 
This is a clear violation of the Fair Credit Reporting Act. Since TransUnion failed to verify or respond within the legal timeframe, the law requires that the disputed account be deleted immediately. 
I request that the CFPB enforce this and ensure the permanent deletion of this account from my credit report.

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 2025-11-12 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
{$1700.00} was taken out of my checking account on XX/XX/2025 for a schedule billpay that was never received. 

XXXX XXXX XXXX XXXX Future Amount : XXXX ~ Tran : XXXX Type : Withdrawal Amount : {$1700.00} Posted : XX/XX/2025 XXXX XXXX XXXX Ally Bank withdrew funds from my account without ever informing me the check was not cashed and did not issue a refund even after I made several calls to customer service on XX/XX/XXXX and XX/XX/2025 Ally banking customers have no way of knowing when / whether the payment was actually received. Funds are removed from account by Ally without proof of payment. Payment status " processed '' is misleading as it doesn't confirm the check actually got cashed.

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 2025-11-12 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and was alarmed to discover that I have become a victim of identity theft. As I am currently in the process of purchasing a home for my family, these inaccuracies have caused significant harm and delays. I respectfully request that all incorrect personal information be promptly removed from my credit report to ensure it accurately reflects my identity and credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: MN

Complaint narrative:
I REQUEST THE CREDIT BUREAUS TO POST THE SAME REQUEST THAT I POSTED AGAINST THIS CREDITOR, AS THE MATTER IS IN MY FAVOR AS TO THE LEGAL MERITS OF MY ARGUMENT. 

My late payments that show were posted while I requested a Covid-19 deferment. At no time were any of my accounts late past the 30-day grace period. Accordingly, I am well within my rights to request a complete review of my account and for my request to delete the negative payment history altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I opened a PayPal Purchase Protection claim ( Case ID XXXX ) for a defective truck part purchased from XXXX XXXX, XXXX/ Big XXXX XXXX for {$1000.00} XXXX XX/XX/year>. The part ( Control Module Turn Stalk P21-1019-403 ) arrived scratched, not in factory packaging, and was the wrong item for my truck. 

I contacted the seller immediately. They issued an RMA and I returned the item, which was delivered and picked up by the seller in XXXX XXXX, SD on XX/XX/year>, per XXXX XXXX XXXX. Despite this, the seller never issued a refund. 

I filed a PayPal dispute on XX/XX/year>, escalated it on XX/XX/XXXX, and repeatedly submitted documentation between XXXX  XXXX XXXX  showing proof of return, photos of the damage, and seller correspondence. I also filed an appeal on XX/XX/year>, confirming that the vendor was in possession of the item. 

PayPal denied the claim, stating I did not respond to their request for additional information, yet the case timeline ( visible in my account ) shows no such request was ever made. The seller confirmed receipt of the returned product but still holds it, while PayPal retains my payment. 

I followed all PayPal Buyer Protection procedures, including appeal submission, but PayPal failed to properly review my evidence. I am requesting that PayPal reopen the case, conduct a fair review, and issue a full refund, or that the CFPB review PayPals dispute-handling practices for procedural failures and lack of transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: PA

Complaint narrative:
I am honestly very upset to see that the inaccurate accounts are still appearing on my credit report even after all the efforts made. I am pleading that the documents I attached be carefully reviewed so I can finally stop worrying about this problem that has been stressing me for so long.

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

Complaint narrative:
It is extremely frustrating that the inaccurate accounts continue to stay on my credit report despite everything I have done to fix this. I am begging that my attached documents be checked properly so I can finally have peace of mind and move on from this constant stress.

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 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OK

Complaint narrative:
I was notified by my credit monitoring service ( XXXX XXXX there is an account sent to collections on behalf of XXXX XXXX XXXX  for a balance of {$310.00} for an account that is not mine. It appeared on XXXX on XX/XX/year> and Transunion on XX/XX/year>. 

I have never lived in Texas and I have never opened an account with XXXX XXXX XXXX. If you look at my history about a year ago I had filed disputes for several energy accounts for XXXX  based companies where my identity was illegally used. 

I do not have not been provided any communication/letters of notification other than what the credit reporting agencies show and brought to my attention this week.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
FORMAL VALIDATION DEMAND & FRAUD DISPUTE ILLEGAL COLLECTION REPORTING ABSOLUTE RESOLUTIONS INVESTMENTS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX RE : FORMAL VALIDATION DEMAND & FRAUD DISPUTE ILLEGAL COLLECTION REPORTING Dear Compliance and Consumer Relations Department XXXX This letter serves as a formal dispute and validation demand under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). It has come to my attention that your company, XXXX XXXX XXXX, XXXX, has reported a collection account on my consumer credit file without my knowledge or authorization. This account appears on my Equifax and Experian credit reports with conflicting dates : an opened date of XX/XX/XXXX, a reported date of XX/XX/XXXX, and a first delinquency date of XX/XX/XXXX. These inconsistencies indicate unlawful re-aging and negligent furnishing of information. 
Under 15 U.S.C. 1692g, you are required to provide written verification of the debt upon request. I hereby demand the following : XXXX. The original signed contract or application bearing my signature and date. 
XXXX. The complete chain of title and assignment proving ownership of the alleged debt. 
XXXX. A copy of the 1099-C or any IRS filing associated with this account, if applicable. 
XXXX. Proof of compliance with FCRA 623 ( a ) ( 1 ) ( A ) ensuring accurate data furnishing. 
XXXX. Documentation showing that you conducted due diligence to confirm my identity prior to furnishing this data to Equifax or Experian. 
I am a documented victim of identity theft, with verified FTC Identity Theft Report and supporting documentation already provided to the credit bureaus. Reporting an account tied to identity theft, without substantiating ownership, is a violation of FCRA 605B ( 15 U.S.C.

1681c-2 ), which requires deletion of disputed fraudulent data within XXXX business days of receiving proof. 

In addition, your actions may constitute violations of the following laws : FCRA 607 ( b ) Failure to ensure maximum possible accuracy. 
FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known or believed to be inaccurate.

FDCPA 807 ( 2 ) ( A ) False representation of the character, amount, or legal status of a debt.

FDCPA 808 ( 1 ) Attempting to collect an amount not permitted by law. 
If you fail to provide the requested verification and documentation within XXXX days of receipt, I will escalate this matter with formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Florida Attorney General for enforcement review and penalties. 
Please send all responses in writing to the mailing address listed above. Do not contact me by phone. 
Respectfully, XXXX XXXX

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 2025-11-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Tower Loan of Mississippi, Inc.
State: IL

Complaint narrative:
I did not take a loan out with Tower Loan, a mutual acquaintance, by the name of XXXX XXXX has put me down as a contact and they have called me on a biweekly basis from multiple numbers asking about the individual who has taken out the loan. I have not heard from the person who received the loan in months

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 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I had a capital one 360 savings account and the company mislead me on interest rate and gains for holding 360 savings account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
My original complaint was with XXXX XXXX XXXX XXXX selling the debt to LNLV funding LLC. I settled on debt with XXXX XXXX in XX/XX/year> giving me until XX/XX/year> to settle for lesser amount which I have written documentation. On XX/XX/year> I tried to pay it off but was told that I couldnt because it was sold. I then attempted to resolve the matter with Resurgent Debt collector. However, they would not honor the written settlement after failed attempts. I filed a complaint with CFPB on XX/XX/year>. I received a response which again Resurgent say I owe. According to CFPB website NFCU progress is still being made. On XX/XX/year> I received debt validation letter from Resurgent a statement from XXXX XXXX with original balance. 

On XX/XX/year> I contacted Resurgent for the validation but I was informed by several agents and a supervisor XXXX that on XX/XX/year> that XXXX had approved for a settlement offer giving me until XX/XX/year> to pay, but both companies failed to notify me. According to the supervisor my complaint prevented them from contacting me. This doesnt make any sense to me because I was not made aware of any extension by either XXXX of those companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX Comenity Bank XXXX Zales Credit Card ) XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX. Account Referenced Reported Balance Status on Credit Report {$3100.00} Charged off / in collection Summary of the Problem - Unknown Tradeline : A derogatory Zales Credit Card account ( Comenity Bank ) with a balance of {$3100.00} appeared on my credit reports ( XXXX, XXXX, XXXX  ). I have never opened or authorized such an account. 

- Dispute & Verification Failure : I disputed the tradeline with all three bureaus. The bureaus indicated that Comenity Bank verified the account as accurate, yet I received no documentation proving I am liable. 

- Direct Validation Request Ignored : I mailed a certified-letter demand for validation to Comenity Bank , requesting copies of any signed agreements and a full account history. Comenity Bank did not respond. 

- Ongoing Harm : The negative tradeline continues to depress my credit score, jeopardizing credit approvals and causing financial and emotional harm. 

Alleged Violations - FCRA 623 ( b ), 15 U.S.C. 1681s-2 ( b ) Failure to reasonably investigate consumer disputes and correct/delete inaccurate data.

- FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known or that should be known to be inaccurate or unverifiable. 

- FCRA 609 ( a ) ( 1 ) Failure to provide all information in the consumers file upon request ( no validation provided ). 

- XXXX Deceptive Trade Practices Act, NRS 598.0915 ( 15 ) Misrepresenting the source or approval of services by reporting an unverified debt. 

Harm Suffered - Credit Denial : I was recently denied a credit product because of this derogatory tradeline. 

- Financial Costs : Expenses for credit monitoring, certified-mail postage, and time lost disputing. 

- Emotional Distress : Stress and anxiety from being inaccurately labeled delinquent for an account I do not owe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: FL

Complaint narrative:
This is the second time I am filing a formal complaint about the harassing practices of this awful company. I have paid my loan on time, every month of this year. I have called multiple times and asked them to stop calling me multiple times a day, and to confirm that I am not missing my payments, and that I am paying the amount due when I owed. I get the same response every time and yet some how they call me XXXX times a day. This is HARASSMENT and PREDATORY behavior in violation of the Fair Debt Collection Practices Act. I got a forbearance for XXXX  months to push back the payment of my loan as I was going through a hurricane that destroyed my home and left me unemployed. Sallie Mae knew this, as I had to call and request such forbearance every month. Now, over a year later, they have continuously acted like my balance is past due from those XXXX  months. They have purposely misrepresented the situation to the CFPB and credit agencies so that this negatively impacts my credit and looks like I havent made payments in over a year. I have called DOZENS of times to confirm the amount I owe and when its due every month, and I get the same answer and make the same payments every single month. Yet I am getting harassed with threatening phone calls about my account and my information is purposely being misreported to credit agencies. This is getting ridiculous. They pick and choose when to randomly charge me late fees despite me paying on time every single month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
Dear XXXX, XXXX, XXXX, and Credit Collection Services, This serves as a final demand and notice of intent to sue under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) for inaccurate and inconsistent credit reporting, failure to reinvestigate, and furnishing false or outdated data. 



Disputed Accounts XXXX CREDIT COLLECTION SERVICES XXXX XXXX XXXX XXXX XXXX XXXX ) Experian : Past Due as of XX/XX/XXXX Balance {$190.00} Status Updated XX/XX/XXXX. 
Equifax : Unpaid Balance {$190.00} Status Updated XX/XX/XXXX. 
TransUnion : Undisclosed Status Balance {$190.00} Status Updated XX/XX/XXXX. 

XXXX CREDIT COLLECTION SERVICES XXXX XXXX XXXX XXXX XXXX XXXX ) Experian : Paid ; Closed Still Reporting Updated XX/XX/XXXX. 
Equifax : Paid ; Closed Still Reporting Updated XX/XX/XXXX. 
TransUnion : Open Account Updated XX/XX/XXXX. 



Violations All XXXX entities have violated : FCRA 1681e ( b ), 1681i ( a ), 1681s-2 ( b ) failure to maintain accuracy, reinvestigate, and correct. 
FDCPA 1692e, 1692f, 1692g ( b ) false or misleading representation and failure to validate. 



Demand for ACDV and Monetary Compensation Under 15 U.S.C. 1681n ( a ) and 1692k ( a ), each entity is liable for statutory damages up to {$1000.00} per violation, plus actual damages, costs, and attorneys fees. 

Accordingly, I demand : Entity | Statutory Basis | Violations | Amount Owed ( USD ) Experian | FCRA 1681e ( b ), 1681i ( a ) | XXXX | {$2000.00} Equifax | FCRA 1681e ( b ), 1681i ( a ) | 2 | {$2000.00} TransUnion | FCRA 1681e ( b ), 1681i ( a ) | 2 | {$2000.00} Credit Collection Services |FDCPA 1692e, 1692f, 1692g ( b ) | XXXX | {$2000.00} Total Due Immediately {$8000.00} Please note that removal or correction of the disputed information after the violation does not cure or extinguish liability under 15 U.S.C. 1681n1681o and 1692k. Statutory damages for each violation are due and payable regardless of subsequent deletion. This communication constitutes formal notice that I will pursue full statutory recovery and attorneys fees if settlement is not reached within XXXX business days. 



Formal Demands XXXX. Provide full Automated Consumer Dispute Verification ( ACDV ) responses for both accounts. 
XXXX. Permanently delete all the inconsistent data across all reports. 
XXXX. Remit the above-stated compensation ( {$8000.00} total ) within XXXX business days of receipt. 

Failure to comply by XX/XX/XXXX will result in civil litigation in U.S. District Court seeking : Additional actual damages, Attorneys fees and costs, and Punitive damages for willful non-compliance under 15 U.S.C. 1681n ( b ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation