vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX, XXXX, PA XXXX Subject : Dispute of Unauthorized Credit Inquiry Under FCRA ( 15 U.S. Code 1681b ) Dear Transunion, I am writing to formally dispute a credit inquiry that appears on my credit report. I recently reviewed my credit file and found an inquiry from [ Company Name ], dated [ Inquiry Date ], that I do not recognize and did not authorize. 



Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, a credit inquiry can only be made with a consumers consent or for specific permissible purposes, such as a firm offer of credit, insurance underwriting, or employment ( with permission ). To the best of my knowledge, none of these conditions apply in this case. here are the Unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please provide the following : 1. The name and contact information of the party that initiated the inquiry. 

2. Documentation showing that I authorized or initiated this inquiry. 



If you can not verify that the inquiry was authorized, I request that it be removed from my credit report immediately, per the FCRA. 



I have enclosed a copy of my government-issued ID and social security card to verify my identity. 



Thank you for your prompt attention to this matter. Please confirm receipt of this letter and inform me of the results of your investigation. 


Sincerely, 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 explanation
Consumer complaint received 2025-04-14 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: GA

Complaint narrative:
This account was charged off on the following date XXXXXXXX XXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXXXXXX 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 explanation
Consumer complaint received 2025-04-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

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 2025-04-14 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: OH

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 and 1681i. A collection account on my credit report is inaccurate, and after I disputed it, the reporting party failed to properly investigate or correct the error. This is affecting my creditworthiness and violates my rights under federal law. '' 15 U.S.C. 1681i If you dispute an account, the credit reporting agency must investigate within 30 days and correct or delete inaccurate info.

15 U.S.C. 1681s-2 ( a ) Debt collectors must report accurate information. If a collector reports false or outdated info ( e.g., a paid collection still showing as unpaid ), it may violate this section.

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 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
Subject : Formal Debt Validation Request Pursuant to Federal and Michigan Law Dear [ Debt Collectors Name ], I am writing to formally request validation of the alleged debt referenced in your recent communication, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Michigan Collection Practices Act ( MCPA ), MCL 445.252. 
Under the FDCPA, you are required to provide verification of the debt, including the amount owed and the name of the original creditor. Similarly, the MCPA prohibits certain practices by collection agencies, including making misleading or deceptive statements in communications with debtors. 
XX/XX/XXXX Please provide the following information : Validation of the Debt : Documentation verifying the amount of the debt and the name of the original creditor, as required by 15 U.S.C. 1692g. 
Legal Authority : Proof that your agency is licensed and authorized to collect debts in the State of Michigan, in compliance with MCL 445.252. 
Itemized Accounting : An itemized statement detailing the original amount of the debt, any interest, fees, or charges added, and the dates these were incurred. 
Chain of Custody : Documentation evidencing the transfer or assignment of the debt from the original creditor to your agency. 
Furthermore, I wish to bring to your attention recent legislative developments in Michigan that impact debt collection practices. Senate Bill 408, passed on XX/XX/year>, revises procedures for the collection of judgments, including updates to garnishment exemption categories and amounts. 
senatedems.com Compliance with these updated provisions is mandatory. 

Pending receipt of the requested documentation, I respectfully request that you cease all collection activities related to this alleged debt, including reporting it to credit bureaus, as mandated by 15 U.S.C. 1692g ( b ). Failure to comply may result in me exercising my rights under federal and state law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Michigan Attorney General 's Office. 
Please provide the requested information within 30 days of receiving this letter. All future communications should be in writing and sent to the address provided above. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: UT

Complaint narrative:
Hi, In XXXXXXXX XXXX XXXX I was using PayPal to receive payments through a store I would run, throughout this time I received around {$2500.00} to my PayPal account, I never withdrew it to my bank accounts then one day my account was closed and they said in 180 days my money would be released and I could then withdraw it, after the 180 days they money was completely taken from my account, I have contacted PayPal a few times about this once last year, a few times in the years prior. I have received no information on how I can get my money back. Today I decided I was going to try again. I logged into my PayPal account but this time my account was completely wiped and no transactions show including the one showing them removing the {$2500.00} from my account usually it would show me the transaction with the transaction ID but that no longer shows, anyways after all my attempts no effort has been made to return my money which I earned. For that reason I am not able to give an exact date because I learned that you can only see back to exactly 3 years in the past and when I try to get data before that time it tells me the range in invalid, but I know this would have happened in XXXX. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: MD

Complaint narrative:
I am filing a new complaint because LVNV Funding has failed to provide adequate validation of a disputed debt and continues to report it to the credit bureaus in violation of federal law. 

Company name : LVNV Funding LLC Servicer : Resurgent Capital Services Account Number : XXXX XXXX XXXX XXXX Although they responded to my initial CFPB complaint ( # XXXX ), the documents they provided do not constitute proper debt validation under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ). 

They submitted generic cardholder agreements and several billing statements from the original creditor, but they failed to provide : A signed contract or application bearing my signature ; A full accounting of how the balance of {$660.00} was calculated ; Documentation proving the legal chain of assignment from XXXX XXXX XXXX  to LVNV Funding. 

I sent them a formal Notice of Inadequate Validation on XX/XX/year>, reiterating my dispute and requesting proper documentation. They have not responded. 
I also believe they are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ), by continuing to report this account as valid despite my ongoing dispute and lack of sufficient validation. 

This collection account is damaging my credit and causing unnecessary harm. I am requesting the CFPB reopen this matter or take enforcement action. I also request the complete deletion of this tradeline from all credit bureaus, as LVNV Funding has not fulfilled its legal obligations. 

I am requesting written communication only and no phone contact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: MD

Complaint narrative:
RE : Dispute of Inaccurate Student Loan Reporting Request for Deletion To Whom It May Concern, I am writing to formally dispute the reporting of the following student loan accounts on my credit report, as they contain inaccuracies and potential violations of federal regulations : Creditor Name XXXX XXXX Account Number : XXXX - XXXX Reported Balance : {$32000.00} Despite ongoing regulatory actions involving financial data security, I am entitled under the Fair Credit Reporting Act ( FCRA ) to a reasonable investigation into the accuracy of the information being reported. 
I am request that you conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ). If the furnishing party can not provide documented proof of the debts validity, including a legally binding promissory note bearing my original wet-ink signature, this account must be deleted immediately. 
I have reason to believe that XXXX may have disclosed my educational records and financial information without my explicit, written consent, in possible violation of the Family Educational Rights and Privacy Act ( FERPA ). I request full documentation proving that my consent was lawfully obtained for this disclosure. If such documentation can not be provided, this account must be removed.

If my loan servicer acts as a debt collector, they are required under 15 U.S.C. 1692g ( Fair Debt Collection Practices Act FDCPA ) to provide proper validation upon request. I formally request such validation, including a detailed payment history, contract agreement, and evidence of lawful collection authority. 
The furnishing of inaccurate and misleading information is causing financial harm and undue distress. I expect your adherence to federal regulations and request the immediate deletion of this account. I hope that you will uphold the law and immediately remove this account from my credit report due to the lack of verified, lawful reporting and potential FERPA/FCRA violations. 
Please provide a written response to the address above, detailing the verification process, the specific documentation reviewed, and a copy of my original signed agreement, along with any records proving the lawful furnishing of my student loan data. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: MD

Complaint narrative:
RE : Dispute of Inaccurate Student Loan Reporting Request for Deletion To Whom It May Concern, I am writing to formally dispute the reporting of the following student loan accounts on my credit report, as they contain inaccuracies and potential violations of federal regulations : Creditor Name : XXXX Account Number : XXXX - 1 Reported Balance : {$32000.00} Despite ongoing regulatory actions involving financial data security, I am entitled under the Fair Credit Reporting Act ( FCRA ) to a reasonable investigation into the accuracy of the information being reported. 
I am request that you conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ). If the furnishing party can not provide documented proof of the debts validity, including a legally binding promissory note bearing my original wet-ink signature, this account must be deleted immediately. 
I have reason to believe that XXXX  may have disclosed my educational records and financial information without my explicit, written consent, in possible violation of the Family Educational Rights and Privacy Act ( XXXX ). I request full documentation proving that my consent was lawfully obtained for this disclosure. If such documentation can not be provided, this account must be removed. 
If my loan servicer acts as a debt collector, they are required under 15 U.S.C. 1692g ( Fair Debt Collection Practices Act FDCPA ) to provide proper validation upon request. I formally request such validation, including a detailed payment history, contract agreement, and evidence of lawful collection authority. 
The furnishing of inaccurate and misleading information is causing financial harm and undue distress. I expect your adherence to federal regulations and request the immediate deletion of this account. I hope that you will uphold the law and immediately remove this account from my credit report due to the lack of verified, lawful reporting and potential FERPA/FCRA violations. 
Please provide a written response to the address above, detailing the verification process, the specific documentation reviewed, and a copy of my original signed agreement, along with any records proving the lawful furnishing of my student loan data. 
Sincerely, 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 2025-04-14 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: MD

Complaint narrative:
RE : Dispute of Inaccurate Student Loan Reporting Request for Deletion To Whom It May Concern, I am writing to formally dispute the reporting of the following student loan accounts on my credit report, as they contain inaccuracies and potential violations of federal regulations : Creditor Name : XXXX  Account Number : XXXX - 1 Reported Balance : {$32000.00} Despite ongoing regulatory actions involving financial data security, I am entitled under the Fair Credit Reporting Act ( FCRA ) to a reasonable investigation into the accuracy of the information being reported. 
I am request that you conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ). If the furnishing party can not provide documented proof of the debts validity, including a legally binding promissory note bearing my original wet-ink signature, this account must be deleted immediately. 
I have reason to believe that XXXX may have disclosed my educational records and financial information without my explicit, written consent, in possible violation of the Family Educational Rights and Privacy Act ( FERPA ). I request full documentation proving that my consent was lawfully obtained for this disclosure. If such documentation can not be provided, this account must be removed. 
If my loan servicer acts as a debt collector, they are required under 15 U.S.C. 1692g ( Fair Debt Collection Practices Act FDCPA ) to provide proper validation upon request. I formally request such validation, including a detailed payment history, contract agreement, and evidence of lawful collection authority. 
The furnishing of inaccurate and misleading information is causing financial harm and undue distress. I expect your adherence to federal regulations and request the immediate deletion of this account. I hope that you will uphold the law and immediately remove this account from my credit report due to the lack of verified, lawful reporting and potential FERPA/FCRA violations. 
Please provide a written response to the address above, detailing the verification process, the specific documentation reviewed, and a copy of my original signed agreement, along with any records proving the lawful furnishing of my student loan data. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a XXXX of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-04-14 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: FL

Complaint narrative:
To Whom It May Concern, This letter is a formal request pursuant to the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S. Code 1681i ], concerning an alleged debt that appears on my credit report.

I previously disputed the validity of this debt appearing on my credit profile. You responded stating the account had been " verified. '' However, per my rights under federal law, if you claim to have verified this account, you are required to maintain and provide documented evidence of the method and results of this verification. I have not received such documentation.

Please be advised : FCRA 611 ( a ) ( 5 ) ( A ) states that if an item of information disputed by a consumer is found to be inaccurate or can not be verified, it must be promptly deleted from the file of the consumer.

FCRA 607 ( b ) requires credit reporting agencies to ensure maximum possible accuracy of the information they report. 

Continuing to report unverifiable or inaccurate information after a dispute and request for verification constitutes willful noncompliance with federal law. 

If you or the furnisher of the information can not provide proof of verification with proper documentation, you are legally obligated to remove the account from my credit report. Failure to do so may result in legal action, including but not limited to a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential civil litigation for willful noncompliance.

This is not a request for reinvestigation ; it is a demand for proof of how the account was verified. If you are unable or unwilling to produce such documentation, this entry must be removed immediately. 

Please respond to this letter in writing within 15 days. Failure to comply will result in me exercising all legal remedies available under the law. 

Account Name : XXXX Account Number : XXXX Date Opened : XXXX Amount : {$120.00}

Company response to consumer: Closed with non-monetary relief