vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management I started to dispute this XX/XX/XXXX, XXXX dispute XX/XX/XXXX, XXXX dispute XX/XX/XXXX, XXXX dispute XX/XX/XXXX, XXXX dispute XX/XX/XXXX. I sent a letter to the above company requesting for proof of debt owed. I didn't get any response. I also sent a dispute to Equifax and no corrections were made. The amount shown on my credit report is {$1300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the following inaccurate information on my credit report. The details in question are incorrect and negatively impact my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), I request an investigation into these errors and prompt correction or deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am disputing XXXX accounts being reported by LVNV Funding related to the XXXX, XXXX, and Destiny credit cards. These accounts were originally opened between XXXX and XXXX. The amounts reported range from approximately {$300.00} to {$600.00} each. 

In XXXX and XX/XX/XXXX, I submitted written requests for debt validation under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ). LVNV Funding responded with documents that did not include my signature, a copy of any original signed agreement, or a legal assignment of the debt. What I received were generic billing statements that do not meet the legal requirement for full debt validation.

Despite the insufficient documentation, LVNV Funding continues to report these accounts to all three credit bureaus Equifax, TransUnion, and Experian damaging my credit without proper verification. I also submitted disputes to each credit bureau under 15 U.S. Code 1681i and included documentation of the failed validation, yet the accounts remain.

I am requesting that these accounts be removed from my credit reports due to the collectors failure to provide full legal proof and that LVNV Funding cease any collection efforts until valid documentation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-23 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: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There was a charge made to my checking account that I did not authorize. I had the card in my possession and I didn't not make the purchase. I was advised that they would close out my debit card and issue me a new number and a new card. The card was supposed to be delivered on XX/XX/XXXX. The card was mailed to my home via XXXX, XXXX stated that they did deliver it, but it was not found. I called an requested a new card on XX/XX/XXXX and advised that it was a holiday so the card wouldn't be mailed out until the following day. The card was said to be delivered today XX/XX/XXXX. The card was mailed to my home via XXXX XXXX once again said they delivered the package. I had our mail office open all of the mail boxes at our complex, and the package was NOT delivered. 2nd package through XXXX  I requested that Capital One mail me my 3rd new debit card an alternative way other than XXXX and they can not use any other form to mail this card. I also requested that my delivery require a signature so there was a record of it being delivered. Capital One also said they CAN NOT request that either. I have been without access to my funds for over a week now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: CA

Complaint narrative:
Social security deposited {$31000.00} into a account with direct express ( not by my request or approval ) diresct express locked my account without sufficient reason leading me to a hard ship .that is money for me to live on and continued to recieve payments until I changed information with ssa dept. Even after sufficient documents were provided I was still denied access to my money and continue to be homeless and in a hardship because of their actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXXXX/XX/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 2025-06-23 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: CT

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( 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 2025-06-23 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Every year when my insurance renews, my insurance company sends the updated information to Shellpoint. Shellpoint claims to never get it. They end up insuring my property and charging it to escrow. I have to contact my insurance company every year and they have to keep resending. One year I had to send information myself because they continued to say they didn't get it. Once error is corrected, I am still stuck with the escrow balance. They claim they can't refund and I am stuck with the loss. This year they say it will be refunded once I accused them of fraudulent behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This company has never contacted me by phone or Email i found out about this collection when i checked my credit report and saw it there. So i asked them to send me proof that the account was mine including a copy of my Social Security card, and copy my license and sings form they Have never responded to that request.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: TX

Complaint narrative:
I am formally disputing any inaccurate, incomplete, or unsubstantiated information currently being reported on my credit file. Any unproven claims or unsupported allegations violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). You are required by law to report accurate information that is fully verified and supported by factual documentation. If you can not provide this evidence, you must DELETE the disputed information from my credit report. 

I am deeply concerned and disappointed that unverified information has been included in my file. Reporting baseless data without factual proof directly contradicts your legal obligation to maintain accurate reporting. You must ensure strict compliance with XXXX XXXX reporting standards, as established by the Consumer Data Industry Association ( CDIA ), and provide physical, verifiable documentation for all claims made.

The following Public Record is being formally challenged : XXXX XXXX XXXXXXXX If you are asserting that I owe this debt, be advised this is not a refusal to pay. However, under FDCPA 15 USC 1692g, you are required to provide complete validation of the alleged debt, including : The original contract bearing my signature. 

Full account history with detailed transactions. 

Complete chain of assignment proving your legal standing to collect. 

Proof that your reporting complies fully with FCRA, XXXX XXXX, and all applicable laws. 

Failure to provide this documentation renders your claim unverifiable, inaccurate, and subject to immediate deletion. Continued reporting of inaccurate data constitutes willful non-compliance and exposes you to potential legal liability for actual, statutory, and punitive damages.

Additionally, this is not a request for simple address verification. I am demanding full legal validation of the alleged debt obligation and the reporting accuracy of your claims, in compliance with 15 USC 1692g.

You are required to respond within 30 days from receipt of this letter. If you fail to provide the requested documentation, I expect you to immediately
DELETE the disputed entry and mail me : Written confirmation of your investigation results.

Documentation supporting your findings.

An updated, corrected copy of my credit report.

Failure to comply may result in further legal actions, including but not limited to complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential civil litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: IL

Complaint narrative:
I am reviewing my Equifax Credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
About month ago PayPal sent me a in app notification plus an email stating that my account was limited aka frozen due some charge backs on my debit card. I explained that XXXX has fast pay and that XXXX would put the money on the debt card similar to going to a convenience store and putting money on the debit card. A week later I received another email stating that there were XXXX complaints on my account that I have been cleared of. I was unaware of these complaints so I went in the app and looked them over. What noticed is XXXX complaints was several months old and was never notified about the other XXXX complains was withdrawn also never was made aware of. At this time my account is on permitly limited meaning paypal no long wish to do business with me and they are holding my {$110.00} until XX/XX/year> even though I have been cleared of any wrongdoing. During the process in the first week, I was unable to reach any paypal team member to answer any questions due to their computer system ( AI ) taking over the call, when I would call. XXXX weeks later, I finally called to see if I could get my money released to me and I was told no. Because their investigative team is not done with my account. Investigating what is going on. I had mentioned that I was cleared of any wrongdoing and that they needed to release the money to me. And i've been denied my money due to paypal claims that there will be chargebacks. If you look at the account history, there is no monthly charges and all the charges there are for gas and food. As well as buying bitcoin and moving it to my other XXXX  wallet. With that said their computer system is overzealous and even buying XXXX.When I was buying it, I was having a hard time and my account would be frozen out or they would call security protocols on the account. In fact, i've had that account for years, never had a problem with it.Until recently, when I started buying XXXX  and money started going in and out of the account. Their security protocols are so tight that I have to wait XXXX days in order to actually withdraw or move any money, including bitcoin. It happened so frequently my account being locked down that it was on the borderline of harassment. I am not the only PayPal customer that had to go through this. There are several customers if you look in the history of them using their computer ai.System.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: CA

Complaint narrative:
NARRATIVE Lost my wallet on XX/XX/XXXX XXXX at a gas station and since then I have check my credit report and there's checking accounts auto loans personal loans etc XXXX XXXX XXXX XXXX credit card XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XXXX XXXX checking account XXXX XXXXXXXX XXXX account XXXX XXXXXXXX XXXX  account XXXX I am attaching the lawful codes on which is in violation of the law 15 USC CODE 1681N,15 USC 1681o,15 USC 1681e,15 USC 1605, 15 USC 1681 15 U.S CODE 1681 ( S ) - 2 SubSection 1F 15 U.S CODE 1681 ( 4 ) 15 U.S CODE 1681 ( a ) Please investigate these matters and block the disputed item as soon as possible.

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 2025-06-23 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: CA

Complaint narrative:
NARRATIVE Lost my wallet on XX/XX/XXXX XXXX at a gas station and since then I have check my credit report and there's checking accounts auto loans personal loans etc XXXX XXXX XXXX XXXX credit card XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XXXX XXXX checking account XXXX XXXXXXXX XXXX account XXXX XXXXXXXX XXXX  account XXXX I am attaching the lawful codes on which is in violation of the law 15 USC CODE 1681N,15 USC 1681o,15 USC 1681e,15 USC 1605, 15 USC 1681 15 U.S CODE 1681 ( S ) - 2 SubSection 1F 15 U.S CODE 1681 ( 4 ) 15 U.S CODE 1681 ( a ) Please investigate these matters and block the disputed item as soon as possible.

Company response to consumer: Closed with explanation