vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
my bills have been sent to three collectors, Express Recovery, XXXX, XXXX. i received express recovery XXXX owing about {$450.00}. i havent received anything from XXXX or XXXX until i called XXXX XXXX  said i owe about {$200.00} i called to receive an email/text and still havent got anything & i didnt know they were in collections without me even knowing those bills were in collections until i called. XXXX i havent received anything nor do i know how much i owe. i just got an email telling me from the hospital that thats bills were in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this formal complaint regarding inaccurate and unauthorized information reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., consumer reporting agencies and data furnishers are required to ensure that all information reported is accurate, complete, and timely. The following accounts are either incorrectly reported or completely unknown to me and are harming my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High balance : {$16000.00} Date opened : XX/XX/XXXX XXXX I have no knowledge of this account. I have never opened an account with XXXX XXXX, nor have I received any notification regarding chargeoff status. Reporting this account as a chargeoff is unauthorized, inaccurate, and in violation of the FCRA. I request that this account be removed from my credit file immediately. 
XXXX XXXX XXXX XXXX XXXX High balance : {$60.00} Date opened : XX/XX/XXXX XXXX I do not recognize this collection account. I have no relationship with this creditor, nor have I received any valid notice or billing. This account is erroneous and improperly reported. Continued reporting of this inaccurate information is a violation of my rights under the FCRA. I request removal and investigation of this account without delay. 
I am requesting the CFPB to intervene and ensure that these inaccurate accounts are investigated and corrected or removed as appropriate. I expect a prompt resolution and written confirmation once the investigation is completed. Continued reporting of these inaccuracies may result in further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
Good day, I am writing to formally dispute 1 inaccurate, unverifiable, and outdated item listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair, accurate, and substantiated credit file. I am also protected under the Fair and Accurate Credit Transactions Act ( FACTA ) from the harmful impact of identity theft and data misuse. 

Please confirm receipt of this letter and inform me once the disputed information is deleted.

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 2025-11-20 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: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: NV

Complaint narrative:
The documentation misrepresents my payment handling. I formally request a reevaluation and correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: TN

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, CHALLENGED OR NOT.

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 2025-11-20 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: TX

Complaint narrative:
I request the deletion of this unauthorized account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX XXXX  XXXX Date : XXXX Subject : Identity Theft Request to Block Information under 15 USC 1681c-2 To Whom It May Concern, I am requesting the immediate blocking of fraudulent accounts that were opened without my authorization in accordance with 15 USC 1681c-2. 

The following accounts must be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I am including the following required documents : Government-issued ID Proof of address FTC Identity Theft Report Under 15 USC 1681c-2, you must block this information within 4 business days and notify the furnisher ( s ) to stop reporting. 

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 explanation
Consumer complaint received 2025-11-20 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX XXXX  XXXX Date : XXXX Subject : Identity Theft Request to Block Information under 15 USC 1681c-2 To Whom It May Concern, I am requesting the immediate blocking of fraudulent accounts that were opened without my authorization in accordance with 15 USC 1681c-2. 

The following accounts must be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I am including the following required documents : Government-issued ID Proof of address FTC Identity Theft Report Under 15 USC 1681c-2, you must block this information within 4 business days and notify the furnisher ( s ) to stop reporting. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: MI

Complaint narrative:
Issue : Repeated non-delivery of replacement Way2Go XXXX XXXX, lack of access to funds for over three weeks, and a forced expedited fee due to system failures. 

Description : My Way2Go XXXX XXXX ( Michigan ) expired in XXXX. The automatically issued replacement card never arrived. I requested multiple standard-delivery replacement cards, and none of them reached me. My address was correct and verified multiple times, and XXXX has had a mail-forward on file since my move. 

I had no access to my XXXX funds for over three weeks because none of the free replacement cards were delivered. 

On XX/XX/XXXX, I was told the only way to regain access to my money was to pay a {$15.00} expedited replacement fee. Although Way2Go claims this fee is optional, in my case it was forced because standard shipping repeatedly failed.

When I spoke with a supervisor, she : blamed my address without evidence misapplied the one free card per year policy refused to acknowledge the repeated non-delivery insisted the expedited fee was my choice dismissed the request for escalation ended the call abruptly I have a full transcript of the supervisor call documenting these statements.

I am requesting : 1. Investigation into the repeated non-delivery of standard replacement cards 2. Documentation of mailing dates and methods 3. Reimbursement of the forced expedited fee 4. Review of Way2Gos supervisory handling, misleading policy interpretation, and customer treatment This failure denied me access to legally owed XXXX XXXX caused extreme financial hardship, and violated prepaid card access requirements.

I can upload my transcript and documentation upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS

Complaint narrative:
My name is XXXX XXXX and I have a home of which I shared with my husband, XXXX XXXX XXXX XXXX ( XXXX ) until his death on XX/XX/XXXX. We have had this home we'll over 30 years. Our original mortgage contract was with XXXX XXXX XXXX which was bought and re-financed through XXXX XXXX XXXX  who then sold the mortgage to Select Portfolio around XXXX. We have never been required to have wind insurance in these 30 years, nor did our mortgage contract specifically state we had to have this separate policy.

Upon my husband 's death, I notified Select Portfolio and soon after my reporting this, they sent me notice saying I am required to carry wind insurance. Convenient that they want to do this after my husband 's death. I simply can not afford for my house note to go up by {$400.00} a month! I am now all alone, no children or family and on a limited social security income. 

My question is this : If the requirement was not specified in our mortgage contract from 30 years ago, nor at the time of re-financing, and we did not sign a contract agreeing to this ... does Select Portfolio have the right to charge me for forced placed wind insurance? This will definitely make me lose my home. They have a Forced Place Wind Policy in effect at this time. 

My hazard insurance is in full force with XXXX. Im in Mississippi and this excludes wind coverage. As much as I would like the privilege to carry this coverage, I simply do not have the money to have it. AGAIN, I HAVE NOT SIGNED A CONTRACT NOR HAS THE ORIGINAL NOTE REQUIRED TO HAVE THIS COVERAGE. 

How can a company all of a sudden make a requirement that you have never agreed to? What's next? Require me to take a life policy with them as named beneficiaries? 

PLEASE HELP! Select Portfolio is getting aggressive with me and I have to have this situation cleared up immediately. I contacted my States Insurance Commissioner and he says that if it is not in the original Mortgage docs, they can not force me to have it.

You attention to this request is greatly appreciated. I have to submit an answer to Select Portfolio very, very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding Google Fi and Google Store Financing.

I applied for device financing through Google Fi and provided all required personal and credit information, including my SSN. My credit was approved for approximately {$3500.00}, which is more than enough to finance the phone and watch I attempted to purchase.

After placing the devices in my cart, I completed the purchase using a payment method already linked to my Google payment profile. The order was confirmed, and I received a delivery estimate. However, a few days later the order was delayed and then canceled automatically.

For the past three months, I have contacted Google Fi support more than 20 times. Every agent repeats the same ineffective steps : deleting my payment profile, creating a new profile, adding payment methods again, and waiting 24/48 hours before retrying the purchase. This loop has continued without resolution.

I have been told I can not use another email address because my personal data is locked to the original account, and no one at Google can manually reset or review this. I requested an in-person option since I live in XXXX XXXX XXXX and Google declined to provide any contacts or escalation paths.

At this point, Google approved a line of credit in my name but is blocking any ability to use that credit, without explanation, for months. This has caused significant stress, wasted time, and prevents me from accessing the services and benefits I need for frequent travel.

I am requesting : A manual review of my Google Store Financing profile.

Removal of any system flags that are preventing my purchases.

A clear explanation for the repeated cancellation of my orders.

The ability to complete the purchase of the financed devices I was approved for.

Google Fis support has been unable to resolve the situation, and I have exhausted all available internal channels.

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 2025-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
PORTFOLIO RECOV ASSOCIATES, LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOCIATES, LLC is a debt collector. They are falsely reporting on my credit! Account number is XXXX is falsely reporting to my credit file due to Identity Theft and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
I am filing this CFPB complaint because Experian is reporting several accounts, inquiries, and late payments that I believe are inaccurate or unverifiable. I request a full reinvestigation under the FCRA. 

XXXX  XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$960.00} I dispute the accuracy of this account. 

XXXX  XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} Reporting appears inconsistent. 

XXXX  XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$730.00} I request full documentation. 

XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} Disputing accuracy. 

XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$2200.00} XXXX appears inaccurate. 

XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} Verification requested. 

Bankruptcy File : XXXX Date : XX/XX/XXXX I dispute this record and request verification with supporting documentation. 

I dispute the following inquiries as unauthorized or inaccurately reported : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( two entries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please provide proof of permissible purpose. 

XXXX Acct : XXXX Late payment reporting appears inaccurate. 

XXXX XXXX Acct : XXXX I request creditor verification. 

I ask that Experian remove any unverifiable or inaccurate information after completing the reinvestigation.

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 2025-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
On XX/XX/year>, I submitted a credit application through XXXX  XXXX for a XXXX XXXXXXXX XXXX XXXX XXXX XXXX stated Ally Bank was reviewing the application. I later received an adverse action/denial referencing XXXX. 

I called Ally Bank, and the Ally representative stated we do not have an application for you, but in the same call confirmed that Ally purchased the contract from XXXX. 

This is contradictory and makes it impossible for me to receive the required adverse action reasons under the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ). 

I also have a handwritten note documented on the adverse action form given to me at XXXX XXXX by manager XXXX XXXX , stating that Ally denied you, which directly contradicts Allys later statement to me on the phone that no application exists. This contradiction is material evidence of improper handling of my credit application and violates ECOAs adverse action requirements.

I also have an email from Ally ( attached ) stating that they could not open an account for me due to a XXXX  freeze. I removed the freeze, followed all instructions, and Ally STILL denied me the opportunity to open the account. 

This strongly suggests that : Ally could not properly verify my identity, Ally could not process my application, yet Ally still participated in the credit denial ( via XXXX ), and later denied having any application at all. 

I requested information from Ally and XXXX including : confirmation of whether an application existed, adverse action reasons, underwriting details, and the disclosures required by federal law. 

No information was provided. 

XXXX claims Ally denied me ; Ally claims no application exists. My SSN, credit file, and identity were used to obtain my XXXX  report and make a credit decision, but no lawful notice was ever provided. 

This has caused harm, confusion, and violations of ECOA, FCRA, and UDAAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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