vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX  Credit Collection Service XXXX XXXX XXXX 
XXXX, MA XXXX Re : Cease and Desist Notice Account No. XXXX To Whom It May Concern, This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) for Credit Collection Service to immediately cease all communication with me regarding the above-referenced account.

You are hereby notified that : I dispute the validity of this alleged debt in its entirety as defined under 15 U.S.C. 1692g ( b ). You have failed to provide full validation and proof that this account is accurate, complete, and legally enforceable. 

All direct or indirect contact with me must stop immediately. This includes but is not limited to phone calls, letters, emails, text messages, or third-party contact.

Any further reporting of this account to the credit bureaus without full validation will constitute a knowing and willful violation of the FCRA ( 15 U.S.C. 1681s-2 ) and the FDCPA, and I will seek all legal remedies available, including statutory damages of up to {$1000.00} per violation under 15 U.S.C. 1692k, plus actual damages, attorneys fees, and court costs. 

If you believe you have legal standing to pursue this matter, your only permissible communication with me shall be to provide : Written confirmation that you are ceasing collection activities ; or Complete and verifiable proof of the alleged debt, including the original signed contract, full account history, and proof of your legal right to collect in my state. 

Failure to comply with this cease and desist notice will leave me no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney Generals office, and pursue legal action for all applicable violations. 

Sincerely, 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 2025-08-08 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 am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In XX/XX/year>, I opened an American Express XXXX card. The account was placed under financial review in XXXX. I was verbally told by an Amex representative on a recorded call that I had until XX/XX/year>, to submit income documents ( paystubs, tax extension, IRS transcripts ). I submitted all required documents on XX/XX/year>, via fax XXXX full business days before the stated deadline. I have fax confirmation records showing successful delivery. 

Despite submitting everything on time and in full, my account was prematurely closed on XX/XX/year>, and I was still charged the {$890.00} annual fee, even though the account was restricted and unusable during the review XXXX opened this account XXXX of XXXX was only able to use for a month, then was hit with a financial review, yet here we are in XXXX still unable to use, so far 4 months of history, i escalated the situation to the XXXX office due to the issue, I've paid on time every month. I never received a final decision communication before closure, I was told the deadline would be XX/XX/XXXX which was part of my extension after our discussion XX/XX/XXXX. 

I am requesting : Full reinstatement of the account OR A complete refund of the {$890.00} annual fee Removal of any negative credit impact due to the closure >During a recorded phone call with an Amex representative in XX/XX/year>, I was verbally informed that the deadline to submit income documents was XX/XX/year>. I do not have the recording readily available to upload at this time, but I am in possession of the audio and can provide it upon request or to the appropriate investigative party. The call confirms that I complied fully with Amexs stated terms before the deadline.

I have phone recordings, fax transmission logs, and all supporting evidence ready. I acted in good faith and met every deadline. I believe Amex failed to properly review my case and unjustly closed the account without cause.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-08 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: PA

Complaint narrative:
I've been in touch with each of the 3 bureaus, Transunion, Equifax, and Experian to remove inaccurate information that they've been reporting regarding my personal information. According to 15 USC 1681e subsection b they have violated, as they did not follow reasonable procedures to ensure maximum possible accuracy which has impacted me negatively.

I am aware of my rights under USC 1681n willful noncompliance and the penalties imposed. I have already made it clear that the information furnished was not mine and it is only just recently that it's been removed, however it has impacted me for years with no resolution until now. Under USC 1681n I am aware that I am entitled to damages up to {$1000.00} per occurrence/violation and I wish to receive your help in retrieving that. If you wish to have my banking information to bring that to fruition, please state that when you reach out to me. Also please find attached the proof of the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Debt collection re-reported/incorrect account for the collections

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-08-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-08 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: FL

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: HI

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are

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 2025-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
Incorrect information and dates. The date of when the account was allegedly opened I was XXXX  fact XXXX  from XXXX and had no means to open any accounts or conduct any transactions or any other business related activities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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 2025-08-08 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:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : 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 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 REPORTING ON TRANS UNION Despite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C. 1681e ( b ) and 168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.

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 2025-08-08 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: CA

Complaint narrative:
I am filing this complaint because the consumer reporting agency has included unauthorized hard inquiries on my credit report, which were not initiated by me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ). These sections prohibit reporting inquiries not initiated by the consumer unless specific conditions are met, such as prior written authorization or a firm offer of credit. I did not authorize these inquiries and never provided my written consent. As such, their presence on my credit report is unlawful. The consumer reporting agency has also failed to provide evidence of permissible purpose or documentation containing my signature authorizing these inquiries.

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 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
CFPB Complaint LVNV Funding LLC Subject : Failure to Validate Debt, Metro 2 Non-Compliance, Factual Dispute, and Continued Collection Activity To Whom It May Concern : I am submitting this complaint against LVNV Funding LLC regarding an alleged account they are reporting to the credit bureaus under my name.

I sent LVNV Funding a written request for debt validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that correspondence,
I requested : Verification of the alleged debt including a copy of any signed agreement bearing my signature.

Chain of title showing the transfer of ownership of the alleged account from the original creditor to LVNV Funding.

Complete accounting of the alleged amount claimed.

LVNV Funding has failed to provide adequate and complete validation as required by law. Instead, they have continued to report the account to the credit reporting agencies and engage in collection activities.

This continued reporting is in violation of : FDCPA 809 ( b ) [ 15 U.S.C. 1692g ( b ) ] Failure to cease collection until validation is provided.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) Duty to investigate and correct inaccurate information.

Metro 2 Reporting Standards Inaccurate and incomplete reporting when an account is in dispute.

Under Metro 2 guidelines, any account in active dispute must be reported with the proper dispute code ( XB ) and collection activity must cease until the dispute is resolved. LVNV Fundings continued reporting without proper validation is a material violation of both federal law and industry reporting standards.

This is a factual dispute : No documentation has been provided to prove I owe this debt.

No signed agreement has been furnished.

The balance and alleged terms have not been substantiated.

Requested Resolution : Immediate deletion of this account from all credit reporting agencies due to the lack of verified documentation.

Cease all collection activity regarding this account in compliance with the FDCPA.

Provide written confirmation of the deletion and cessation of all collection activity.

I have attached a copy of my original debt validation request and proof of delivery to LVNV Funding for your review.

LVNV Funding have been in correspondence but has not sent the proper documentation, nor deleted the tradeline from credit reporting agencies, this is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have never legally gone by these personal information nor do not currently reside at the listed residence. The inclusion of inaccurate aliases and unrelated or outdated addresses not only violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy but also creates a serious risk of identity confusion and impairs my ability to obtain credit under accurate and fair conditions. The presence of such erroneous personal information also raises concerns of data mishandling, especially in light of recent national data breaches. Despite previous attempts to have this information corrected, Bureaus might have failed to remove the incorrect aliases and address entries, even though I have never used these names and do not reside at the listed locations.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-08-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: American Finance LLC
State: MD

Complaint narrative:
I have XXXXXXXX XXXX in late fee thats is XXXX  days past due. I have a XXXX payment thats is 14 days past due. I was told today that the car is up for repossession and I have to pay XXXX to stop the repossession plus pay them extra money for them paying a company to repossess my car. They call and email and text me multiple times a day like a loan shark. They will threaten and harass you to the point its causing me emotional distress that is affecting my mental health. I have attempted to pay the XXXX plus the XXXX but am being told they can not take anything less that the XXXX thats I dont owe plus the repossession fee. Please help me with this company it is very frustrating to deal with these loan sharks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: IN

Complaint narrative:
He said he wasn't going to do the job or give me back my deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: MD

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXX timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief