vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: FL

Complaint narrative:
Subject : Formal Demand for Deletion of Inaccurate Information Violation of 15 U.S.C. 1681e ( b ) To Whom It May Concern, This letter serves as a formal dispute and demand immediate deletion of inaccurate information currently being reported on my credit file. The continued reporting of this erroneous data constitutes a direct violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy.

The following account ( s ) are being reported inaccurately : NATIONAL RECOVERY AGEN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : 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 explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I purchased some toner. The vendor accidentally gave me the wrong place to send the money on XXXX XXXX. defender and myself both have got involved for over a month now trying to get XXXX to return the money. they say the money was returned to my account they requested that I send them my bank statements for that. Which I did I also sent them a message from the director of the bank that the money has not been received. Yet they just denied my claim again. I have the information needed where they denied my claim. I need this resolved. XXXX is doing nothing. thanks for your assistance, please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelowXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
LVNV Funding LLC has reported a number of accounts to all credit bureaus, however, they failed to validate those debts. LVNV Funding LLC could not show me if they have the rights to collect the alleged debt or trying to collect an alleged debt on behalf of of another entity. 

LVNV Funding LLC only provided bank statements upon request to validate the alleged debt which is insufficient under the Fair Debt Collection Act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have responded each time he is late. Offered to pay balance if they pick it up. I want a statement showing that I have sent a copy of the divorce in XX/XX/year> when it was granted. Acknowledge that I have done all i can do about the late payments. Even if I can't change it.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I added a cashback offer of 10 % back on {$100.00} or more on a XXXX hotel reservation if using the provided link. On XX/XX/XXXX early morning, I accessed the link and made a reservation for a hotel from within that link, for a 1 night stay on XX/XX/XXXX. The total was {$340.00}, which was posted on my account on XX/XX/XXXX. I typically get an email after a few days when the cash back reward is accepted, but I called after a few days to make sure it was. The representative claimed he could see I activated the cashback reward, and saw the charge. 

They told me to wait the 14 days, but not to worry. I called back a few days after the 14 days and they said they would do an investigation. I received an email after a couple of weeks saying I had a letter in my account. The letter said they needed more information regarding this case, so I called back and was told the claim is denied and the investigation determined I didn't meet the requirements. I asked what requirement I failed to meet, but the rep was unable to tell me. I decided to call the Chase Executive Office number, but after explaining the situation, they told me the same thing and that there was nothing I could do. 

I mostly use this card due to its cashback rewards, and the fact that they are not only failing to honor this but also can't tell me what I failed to do, is concerning.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I want to report inaccurate information, and incorrect payment dates.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-08-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to dispute two collection accounts that appear on my credit report, which I believe are inaccurate and/or unverifiable. 

Details of the Disputed Accounts : Collection Agency Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Reported Balance : {$1000.00} Date Reported : XXXX Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Balance : {$500.00} Date Reported : XXXX Reason for Dispute : These accounts are not mine OR I have no record of owing these debts.

I have not received any written validation or original creditor documentation as required under 15 U.S.C. 1692g ( FDCPA ).

Reporting unverifiable or inaccurate information violates the Fair Credit Reporting Act, 15 U.S.C. 1681i.

I request that the CFPB require the collection agencies and the credit reporting agencies to : Provide full validation of these debts, including the original signed agreement and complete payment history.

Remove these accounts from my credit report if they can not be fully validated within the required time frame.

Cease reporting of any unverified information to credit bureaus.

Supporting Documentation : A copy of my current credit report showing the disputed items.

A copy of my government-issued ID.

Proof of address.

I appreciate your prompt assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: PA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to dispute two collection accounts that appear on my credit report, which I believe are inaccurate and/or unverifiable. 

Details of the Disputed Accounts : Collection Agency Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Reported Balance : {$1000.00} Date Reported : XXXX Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Balance : {$500.00} Date Reported : XXXX Reason for Dispute : These accounts are not mine OR I have no record of owing these debts.

I have not received any written validation or original creditor documentation as required under 15 U.S.C. 1692g ( FDCPA ).

Reporting unverifiable or inaccurate information violates the Fair Credit Reporting Act, 15 U.S.C. 1681i.

I request that the CFPB require the collection agencies and the credit reporting agencies to : Provide full validation of these debts, including the original signed agreement and complete payment history.

Remove these accounts from my credit report if they can not be fully validated within the required time frame.

Cease reporting of any unverified information to credit bureaus.

Supporting Documentation : A copy of my current credit report showing the disputed items.

A copy of my government-issued ID.

Proof of address.

I appreciate your prompt assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA 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 explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I receive a call that I have an outstanding balance with XXXX XXXX XXXX 
Someone is using my identity and Social Security information to open an account which i dont have any idea of the account, i cant access the account and i spoke with someone from XXXX  XXXX and they told me that the account was open XXXX of 2025 in XXXX  XXXX , Texas yet I live in XXXX Texas and they also mentioned that it was used to purchase products in another XXXX. 
I told them that I don't know this account. Now it is hitting my credit score for non payment and it is so frustrating everytime i call XXXX Fraud Department they always on queue, if you leave a message to have them call you back but nobody call back. I want to settle this issue coz it is hitting my credit score badly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  - XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX  ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year> I logged into my citi.com online portal and saw my XXXX credit cards in good standing and active. However, upon review of my XXXX  credit report, XXXX of my credit cards shows as a closed account. I called Citi and inquired why is a {$0.00} balance card that is in good standing suddenly closed. I have a slightly above average credit score with no missed payment on any of my credit accounts for years. Citi said a letter was mailed to me in XXXX but the rep said they could not disclose the reason for the account being closed and instead requested that the letter be sent to me again. 

So if on my paper, my financials are stellar with no missed payments for any creditor and a {$0.00} balance on the Citi card, what non-financial factors is Citi using to reach a decision that my card should be closed? I suspect Citi is in extreme violation of the The Equal Credit Opportunity Act and discriminating against me using a number of protected characteristics, such as race, national origin, etc, all of which should have no bearing on the financials as to why an account that has been in good standing should all of a sudden be closed. 

I strongly desire that my account be reopened and my account history not lost as a loss of such history will impact my credit history and credit score negatively.

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 2025-08-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
Thought I had auto payment on. Never have missed a payment on a credit card. Dropped my credit limit from $ XXXX to {$200.00}. Ive been with them for over XXXX  years. I have not received a paper statement and wouldve never missed if it was on autopay. Effected my excellent credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: IA

Complaint narrative:
I have recently checked my credit report and noticed multiple accounts that do not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: IA

Complaint narrative:
I have recently checked my credit report and noticed multiple accounts that do not belong to me

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 2025-08-09 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: CT

Complaint narrative:
Subject : Identity Theft Dispute - Request for Immediate Removal of Fraudulent Accounts Attention Legal Department, I am writing to inform you that I have been a victim of identity theft. The following accounts listed on my credit report are not mine and were opened or reported fraudulently without my authorization or knowledge. 


Fraudulent Accounts to Be Removed : Account Name : XXXXXXXX XXXX Account Number : XXXX Amount : {$1900.00} Reason : Identity Theft/ Not Mine Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Amount : {$490.00} Reason : Identity Theft/ Not Mine Account Name : XXXX XXXX  XXXX Account Number : XXXX Amount : {$1200.00} Reason : Identity Theft/ Not Mine Account Name : XXXX  XXXX Account Number : XXXX Amount : {$4300.00} Reason : Identity Theft/ Not Mine Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$1400.00} Reason : Identity Theft/ Not Mine In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of these fraudulent accounts from my credit report. Enclosed you will find a copy of my FTC Identity Theft Report. 

In addition, I have included the following for verification purposes. 

A copy of my government-issued photo ID Utility bill showing my current address As per FCRA section 605B ( 15 U.S. Code sec. 1681c-2 ), you are required to block the reporting of any information that resulted from identity theft within FOUR ( 4 ) BUSINESS DAYS from the date of receipt of this letter. 

Please remove these accounts effective immediately. 

Thank you for your immediate attention to this matter. 


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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXXXXXX 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 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: OH

Complaint narrative:
This is not my debt! I recently checked my credit report and saw this. This must be deleted immediately!

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