vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: NY

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. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt 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 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 2025-11-07 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: NY

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. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/year>, there were a total of seven unauthorized charges on my PayPal prepaid Mastercard. Each of the transactions were only minutes apart, all to the same merchant, and all but one were the same amount. There were six charges for {$99.00} and one charge for {$49.00}. the first charge was {$99.00}, minutes later there was a second charge for {$49.00}, and then every few minutes there was an additional charge of {$99.00} five additional times for a total of seven transactions. I notified PayPal of the fraudulent activity and disputed all of the transactions. PayPal then did their investigation and their result was to deny all of the disputes except for the single charge for {$49.00}. so they denied my dispute for the first charge of {$99.00}, they approved the second charge for {$49.00} a few minutes after that, and then denied all of the remaining transactions I disputed. They state that there's no evidence showing a account takeover or anything of that nature and for that reason they did as I stated above. This makes absolutely no sense because they approved the second dispute but denied the remaining. All the transactions were made using the same payment method, we're only minutes apart, all to the same merchant, so if they're going to approve the second disputed charge there should be no reason to deny the remaining. They are refusing to do anything about these fraudulent charges and I think this is wrong on so many levels. The fact that they approved the one dispute tells me that they found validity in disputing that transaction therefore that should pertain to the remaining disputed charges as well since the details are almost identical for each one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
In accordance with the fair credit reporting, the list of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Inquiry name XXXX XXXX XXXX XXXX Date : XX/XX/year> has violated my rights. 

I looked at my Equifax and noticed some things are incomplete and not accurate. 
According to the FCRA 15 USC 1681E ( b ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy. 

And according to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 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 shall ( i ) 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. 

And according to 15 USC 1681s-2, they are supposed to 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. 

15 U.S.C. 1681B ( 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/year> I was overcharged a fee of XXXX from XXXX XXXX XXXX. I initially tried to contact the merchant, but they were not helpful, so I opened a dispute with my Capital One Credit Card. They initially opened a dispute, then closed it after I provided all necessary information, then opened a new one on XX/XX/year>. I then provided all necessary information that they requested again. Now, on XX/XX/XXXX and XXXX, they closed my dispute saying that I never provided all necessary information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-07 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: Opportunity Financial, LLC
State: NC

Complaint narrative:
Victim of Equifax Data Breach ( Case No. XXXX ) OppLoans, is reporting to the credit reporting agencies on my credit reports. I am a North Carolina consumer, and I categorically deny that I ever applied for, received, or authorized any loan product from your company. Your reporting of this alleged account : Opp Loans/XXXX XXXX : # XXXX : Balance : {$1000.00} : Alleged Fraud Date : XX/XX/year> ; constitutes multiple violations of federal and state consumer protection laws : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

a ) 1681s-2 ( a ) ( 1 ) ( A ) : You are prohibited from furnishing information you know or have reasonable cause to believe is inaccurate.

b ) 1681s-2 ( b ) : Upon notice of dispute, you are required to conduct a reasonable investigation and report results to the credit bureaus.

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

a ) If this account is being collected, any collection activity without verification violates 1692g ( validation of debts ).

3. North Carolina Debt Collection Act, N.C. Gen. Stat. 75-50 et seq.

a ) North Carolina law provides additional protections for consumers against unfair debt collection practices.

4. North Carolina Unfair and Deceptive Trade Practices Act, N.C. Gen. Stat. 75-1.1 b ) Reporting false information to credit bureaus constitutes an unfair and deceptive trade practice under North Carolina law , which provides for treble damages and attorney 's fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: MN

Complaint narrative:
I am submitting this complaint follow up to formally request the correction and verification of my personal information as currently reported on my credit file. Upon reviewing my records, I discovered that certain personal details including my name, date of birth, current address, and employer are being reported inaccurately. These errors have created confusion and misrepresentation in my credit profile, which may negatively impact my creditworthiness and future financial opportunities. 

The inaccurate address information being reported is as follows : XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX, XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ( XX/XX/year> ) This outdated address should be removed, as it no longer aligns with my current residence. In addition, my name and employer information must be corrected to accurately reflect my legal name and current place of employment. 

These inaccuracies constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ), as credit reporting agencies are required to maintain only accurate and verifiable information. Specifically, these errors violate : FCRA 605B The right to block reporting of any information that is inaccurate or can not be verified.

FCRA 607 ( b ) The obligation of credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) The right to dispute and request reinvestigation of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: MN

Complaint narrative:
I am submitting this complaint follow up to formally request the correction and verification of my personal information as currently reported on my credit file. Upon reviewing my records, I discovered that certain personal details including my name, date of birth, current address, and employer are being reported inaccurately. These errors have created confusion and misrepresentation in my credit profile, which may negatively impact my creditworthiness and future financial opportunities. 

The inaccurate address information being reported is as follows : XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX, XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ( XX/XX/year> ) This outdated address should be removed, as it no longer aligns with my current residence. In addition, my name and employer information must be corrected to accurately reflect my legal name and current place of employment. 

These inaccuracies constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ), as credit reporting agencies are required to maintain only accurate and verifiable information. Specifically, these errors violate : FCRA 605B The right to block reporting of any information that is inaccurate or can not be verified.

FCRA 607 ( b ) The obligation of credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) The right to dispute and request reinvestigation of inaccurate information.

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 2025-11-07 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: FL

Complaint narrative:
In XX/XX/scrub> 2025, Resurgent Capital Services, acting as servicer for LVNV Funding LLC, responded to my CFPB inquiry regarding an alleged account originally issued by XXXXXXXX XXXX XXXX through XXXX XXXX. The company claimed ownership of an {$8200.00} balance and submitted documents to support the debt.

Upon review, none of the documents provided show that a loan was ever funded or executed by the original lender. The Promissory Note, Member Agreement, and TILA Disclosure are unsigned by XXXX XXXX XXXX  and contain no evidence of disbursement or value transferred. Resurgent also failed to include any valid assignment agreement or bill of sale showing that the account was lawfully transferred to LVNV Funding.

Despite these defects, Resurgent continues to represent that the account is valid and refuses to delete or correct the tradeline, merely noting it as disputed. Reporting or attempting to collect on an unverified account constitutes a false and misleading representation of the character, amount, and legal status of the alleged debt.

I am disputing the account because no verified loan exists, no proof of consideration or assignment was provided, and the company has not produced documentation that meets the requirements of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. I am requesting that the company immediately cease all collection and reporting activity until proper validation is produced and that the tradeline be deleted if such proof can not be provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint as a formal follow-up and final demand regarding several inaccurate and unlawful entries that continue to appear on my credit reports. Despite my prior disputes with the credit bureaus, these items have not been permanently removed, and their continued presence is causing significant harm to my creditworthiness. 
XXXX. Charged-Off Accounts The following accounts are reported as charged-off but are inaccurate, unverifiable, and misleading : XXXX XXXX XXXXXXXX Reported as charged-off with a {$0.00} balance XXXX XXXX XXXXXXXX XXXX XXXX  Reported as charged-off with a {$0.00} balance Reporting any account as charged-off while showing a XXXX balance is inherently inaccurate and misleading. Under FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), credit bureaus are required to conduct a thorough, independent reinvestigation of disputed information. Further, FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting data they know, or have reason to believe, is inaccurate. Because these accounts have no balance and no verified charge-off status, they must be permanently removed from my credit reports. 
XXXX XXXX XXXX XXXX XXXX  Reported as charged-off with a balance of {$2300.00} * * There is no evidence of an IRS Form 1099-C verifying cancellation of this debt. Reporting this account without proper documentation violates FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which mandates that all consumer data be maintained with maximum possible accuracy. Since the account can not be substantiated, it must also be permanently removed, not merely corrected. 
XXXX. Unauthorized Inquiries The following inquiries were made without my knowledge, consent, or authorization : XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries were made without any permissible purpose, in violation of : FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ) Consumer reports may only be obtained for authorized purposes FCRA 604 ( f ) ( 15 U.S.C. 1681b ( f ) ) Unlawful to obtain reports without a permissible purpose FCRA 619 ( 15 U.S.C. 1681q ) Prohibits obtaining a report under false pretenses FCRA 605B ( 15 U.S.C. 1681c-2 ) Grants the consumer the right to block and remove information resulting from unauthorized or fraudulent use Because these inquiries were made without authorization or permissible purpose, they are unlawful and must be immediately and permanently deleted from all credit bureau files , internal systems, and any shared databases.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
I am submitting this complaint as a formal follow-up and final demand regarding several inaccurate and unlawful entries that continue to appear on my credit reports. Despite my prior disputes with the credit bureaus, these items have not been permanently removed, and their continued presence is causing significant harm to my creditworthiness. 
XXXX. Charged-Off Accounts The following accounts are reported as charged-off but are inaccurate, unverifiable, and misleading : XXXX XXXX XXXXXXXX Reported as charged-off with a {$0.00} balance XXXX XXXX XXXXXXXX XXXX XXXX  Reported as charged-off with a {$0.00} balance Reporting any account as charged-off while showing a XXXX balance is inherently inaccurate and misleading. Under FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), credit bureaus are required to conduct a thorough, independent reinvestigation of disputed information. Further, FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting data they know, or have reason to believe, is inaccurate. Because these accounts have no balance and no verified charge-off status, they must be permanently removed from my credit reports. 
XXXX XXXX XXXX XXXX XXXX  Reported as charged-off with a balance of {$2300.00} * * There is no evidence of an IRS Form 1099-C verifying cancellation of this debt. Reporting this account without proper documentation violates FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which mandates that all consumer data be maintained with maximum possible accuracy. Since the account can not be substantiated, it must also be permanently removed, not merely corrected. 
XXXX. Unauthorized Inquiries The following inquiries were made without my knowledge, consent, or authorization : XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries were made without any permissible purpose, in violation of : FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ) Consumer reports may only be obtained for authorized purposes FCRA 604 ( f ) ( 15 U.S.C. 1681b ( f ) ) Unlawful to obtain reports without a permissible purpose FCRA 619 ( 15 U.S.C. 1681q ) Prohibits obtaining a report under false pretenses FCRA 605B ( 15 U.S.C. 1681c-2 ) Grants the consumer the right to block and remove information resulting from unauthorized or fraudulent use Because these inquiries were made without authorization or permissible purpose, they are unlawful and must be immediately and permanently deleted from all credit bureau files , internal systems, and any shared databases.

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