vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: SC

Complaint narrative:
Our Account # : XXXX Current Creditor : JEFFERSON CAPITAL SYSTEMS LLC Current Creditor 's Account # : XXXX Debt Description : XXXX XXXX Original Creditor 's Account # : XXXX XXXXXXXX Balance Due : {$1000.00} Dear XXXX XXXX, Your creditor has agreed to accept {$360.00} as a lump sum payment which will resolve the account for less than the Balance Due. This offer is valid for 15 days from the date of this email and we are not obligated to renew this offer. 

You can accept this offer by calling us at XXXX. 

This offer is contingent upon XXXX XXXX XXXX receiving the payment in our office on or before 15 days from the date of this email. Any payment received after 15 days from the date of this email will be applied to the Balance Due.

This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a communication from a debt collector. 

Very truly yours, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Im sending this message because I have a PayPal account that they are refusing to close. I honestly havent seen a more useless and complicated app. It feels like they make it difficult on purpose so people give up on trying to close their accounts. 

First, they told me I had around XXXX cents left in the account that I needed to use or donate. I told them to donate it. Then they said they couldnt close the account because of some XXXX  I had purchased, which was only about {$3.00} to {$5.00}. Now that its lost value, I have less than {$1.00}, and to sell it, I need to have more than {$1.00}. So I cant sell anything, and the representative told me theres nothing they can do to help. 

Honestly, it feels shady, like theyre trying everything they can to avoid letting me close the account, and I really dont like that. I want to ask you to please help me close the account. Im not sure if I should contact someone here, call a different number, or send a letter somewhere else. Please let me know what I need to do. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: LA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am a victim of identity theft directly tied to the Equifax data breach. My personal information was compromised and used without my consent to open fraudulent accounts and generate unauthorized credit inquiries. There are incorrect names, fraudulent employment records, and unknown addresses on my credit report. My report lists inquiries and accounts I never applied for, nor gave anyone permission to initiate. 

The following credit inquiries are fraudulent and were not authorized by me : FCRA Violations Noted : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Failure to permanently block fraudulent information upon notification and documentation.

15 U.S.C. 1681c-2 ( a ) Duty to block information resulting from identity theft within 4 business days after receiving proper proof.

15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681b ( f ) Obtaining or furnishing a consumer report without permissible purpose ( applies to unauthorized inquiries ).

15 U.S.C. 1681g ( a ) ( 1 ) Failure to properly disclose to the consumer the full nature and source of inquiries and tradelines.

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 2025-07-12 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: OH

Complaint narrative:
I am a victim of identity theft directly tied to the Equifax data breach. My personal information was compromised and used without my consent to open fraudulent accounts and generate unauthorized credit inquiries. There are incorrect names, fraudulent employment records, and unknown addresses on my credit report. My report lists inquiries and accounts I never applied for, nor gave anyone permission to initiate. 

The following credit inquiries are fraudulent and were not authorized by me : FCRA Violations Noted : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Failure to permanently block fraudulent information upon notification and documentation.

15 U.S.C. 1681c-2 ( a ) Duty to block information resulting from identity theft within 4 business days after receiving proper proof.

15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681b ( f ) Obtaining or furnishing a consumer report without permissible purpose ( applies to unauthorized inquiries ).

15 U.S.C. 1681g ( a ) ( 1 ) Failure to properly disclose to the consumer the full nature and source of inquiries and tradelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragra
ph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT, IMMEDIATELY : Personal Information XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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:
In accordance with the Fair Credit Reporting Act the following companies have violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instruction.15 USC 666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 666b A creditor May not treat a payment on a credit card account under an consumer credit card plan as a late payment for a reason

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have discovered unauthorized names, adresses and employers on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution. 

Name - XXXX XXXX Addresses - XXXX XXXX XXXX XXXX la XXXX - XXXX XXXX XXXX XXXX tx XXXX Employers - XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
Date : XX/XX/year> Source Receivables MNG XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone : ( XXXX ) XXXX Re : Notice of Dispute and Demand for Validation File # XXXX Original Creditor : XXXX XXXX XXXX XXXX 
Amount : {$520.00} To Whom It May Concern, This letter serves as a formal dispute and demand for validation of the above-referenced account under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ), and a demand for deletion under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ). 

Upon review of my XXXX  credit report dated XX/XX/year>, I found an alleged collection account reported by XXXX XXXX XXXX for a balance of {$520.00}, with an account open date of XX/XX/year>. I am requesting immediate action regarding the following concerns : XXXX. Unverifiable Debt FDCPA 809 ( b ), 15 USC 1692g ( b ) You are required by law to provide competent evidence that this debt is valid, including : A signed agreement with XXXX XXXX XXXX establishing liability. 
Itemized statements showing how the amount of {$520.00} was calculated. 
Proof of legal assignment or purchase of the debt. 
Your authority to collect on behalf of the original creditor. 

To date, I have received no such validation. Reporting a debt without proper validation violates FDCPA 1692e ( 8 ), which prohibits communicating credit information known or which should be known to be false or misleading.

2. Inaccurate and Incomplete Information FCRA 1681s-2 ( b ), 1681i The following reporting issues render the account inaccurate, incomplete, and legally disputable : The account is listed as opened on XX/XX/year>, and reported as past due as of XX/XX/year>, which reflects an impossible reporting timeline given todays date. 
The account is not clearly marked as disputed as required under FCRA 1681s-2 ( a ) ( 3 ).

There is no complete payment history available, which makes the data incomplete under FCRA 1681e ( b ).

These inaccuracies violate your duty to ensure maximum possible accuracy when reporting information to credit bureaus.

3. Outdated or Premature Reporting No collections account should appear as past due if it has been open for less than 90 days without proper notification or validation, particularly one that was just opened within the same month or quarter. This calls into question the legitimacy and timing of this debts reporting.

Demand for Immediate Action In accordance with FDCPA and FCRA, you are hereby instructed to : 1. Cease all collection activity and contact until full validation is provided.

2. Immediately investigate and correct or delete this account from all credit reporting agencies ( XXXX, XXXX, XXXX  ). 
XXXX. Provide written confirmation of deletion within 15 calendar days of receipt of this letter. 
XXXX. Mark the account as in dispute with all credit bureaus until resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
I received a call from TSI ( Transworld systems ) around XX/XX/XXXX. It was an attempt to collect a debt from a XXXX  account that was closed in XXXX. I have never had an account with XXXX, and I told the agent on the phone. I requested information in writing, and I received a letter demanding that I pay the full amount. I requested the biller information and I received a copy of the bill with the account number and address on it. The address is the XXXXXXXX XXXX XXXX location in XXXX, an address that has never been associated with me. I reached out to centurylink about this, and verified that the account was not created using my social security number.

TSI is demanding that I show proof that this bill does not belong to me, but I have no real way of proving it, other than that the social security number on the account does not match mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/2025, {$7500.00} in unauthorized gambling transactions were made from my Chime account through XXXX XXXX and other merchants. These charges were not made by me. My phone was taken by someone I was in a relationship with, and they used it to access my Chime account and intentionally drain my funds out of spite. I submitted a text message screenshot in which this person admits to making the transactions without my permission. 

Chime initially denied my dispute, claiming that no error occurred. I requested a reinvestigation and submitted the text message proof. Despite this, Chime still closed the case without refunding the funds. I believe their review focused too heavily on device matching and the fact that I do XXXX a lot rather than intent and authorization. Just because the device was mine doesnt mean I was the one who used it. She knows I XXXX a lot and she knew I had XXXX XXXX XXXX XXXX XXXX earlier that day while at work. 

Im requesting that the CFPB investigate this matter and that Chime is required to issue a full refund of the unauthorized transactions totaling around {$7500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I attempted to dispute incorrect information with Experian both by mail and phone. I received no response, can not access the online dispute system, and can not reach a live agent. This violates FCRA 1681i and FDCPA 1692g. I request CFPB assistance in enforcing proper investigation and deletion of unverifiable data.

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 2025-07-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: TX

Complaint narrative:
I decided to have Beyond Finance help me pay off a few debts that I owe. The final count was XXXX. XXXX. XXXX XXXX XXXX this acct was finally paid off in full. They were able to settle this acct for me. I appreciate that. XXXX. XXXX XXXX. This account I was having the most trouble with. They filed a judgement on me and I sent the info to XXXX asking them to PLEASE pay off this debt first, before XXXX XXXX, etc. I even sent {$2000.00} extra to this XXXX acct in order to get it put XXXX and foremost. They said that they have been trying to get in touch with XXXX and work out a settlement plan. They told me they were unable to come to any kind of agreement. I felt like they were not trying. In XXXX  months they weren't able to come to an agreement of any kind? Not even with a {$2000.00} down payment? The amount owed was only {$4000.00}, I think. I decided to cancel this account with them since I felt that nothing was being done on it. I would like a copy of all the times they tried to negotiate a settlement with XXXX XXXX so I can take it to court with me in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: RI

Complaint narrative:
XXXX XXXX XXXX still reports a balance after 1099-C debt cancellation requesting deletion I held a XXXXXXXX XXXX XXXX ending in XXXX. In XXXX, XXXX issued a 1099-C, officially canceling the debt in the amount of {$1900.00} as of XX/XX/year>. Box XXXX is marked with reason XXXX XXXX meaning a decision or policy to discontinue collection activity. 

Despite this cancellation, Experian is still reporting the account as charged-off with a balance of {$1900.00}, which is inaccurate and misleading. A debt that is forgiven and canceled should not continue to reflect as owed, especially with a remaining balance. 

This violates the Fair Credit Reporting Act ( FCRA ) : 623 ( a ) ( 1 ) ( A ) : Reporting information known to be inaccurate 623 ( a ) ( 2 ) : Failure to update or correct information after notice 607 ( b ) : Failure to ensure maximum possible accuracy in consumer reporting

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 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I noticed a collection account added to my credit report XX/XX/year> by a company called Jeffersons Capital Systems LLC. I have called them on several occasions to provide a detailed verification of debt and original purchase agreement as I have no knowledge of this account and was on orders for the military out of the country at the time it was added. I have disputed them through credit bureaus 7 times stating that I have no knowledge of that account and have asked for verification proof and have not heard or received anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Changes in terms mid-deal or after closing
Company: Meritize Financial Inc.
State: CA

Complaint narrative:
I was approved for a {$65000.00} private student loan through Meritize XXXX XXXX XXXX : XXXX ) on XX/XX/XXXX. The loan included three scheduled disbursements : {$22000.00} ( XX/XX/XXXX ), {$22000.00} ( XX/XX/XXXX ), and {$18000.00} ( XXXX XXXX ). However, Meritize later canceled the final disbursement of {$18000.00} without any formal notice, explanation, or documentation. 

I am currently attending my flight school and have not dropped out or violated any loan terms. I never signed anything requesting cancellation, and I did not receive any written explanation from Meritize. 

As a result, my school is now charging me $ XXXX in unpaid tuition. I was also charged interest on the full {$65000.00} loan amount for several months, even though Meritize only disbursed {$45000.00}. 

Meritize has since restructured my loan around the {$45000.00} balance but left me with a repayment plan totaling {$110000.00} over XXXX the actual amount disbursed. I asked for an explanation in writing and received nothing except vague terms like change in status. 

I am requesting that the CFPB investigate this loan adjustment, as it may constitute a breach of contract and deceptive lending. I am also requesting that my interest and repayment terms be corrected and the missing disbursement either released or explained with documentation.

Company response to consumer: Closed with explanation