vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate. The following personal information is inaccurate, please remove XXXXXXXX XXXX XXXX XXXX XXXXXXXX, tx XXXX incorrect employer : XXXXXXXX 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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
i had used pay pal to send someone money but they had scammed me and I had filed a report about it but they had denied it and I have evidence for the purchase and messages. please reach out to my email at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: NV

Complaint narrative:
XXXX XXXX XXXX is furnishing two tradelines on my credit reports that do not comply with XXXX XXXX XXXX reporting standards. These accounts are being published by both Experian and XXXX  in a way that is misleading and inaccurate. 

Account # XXXX Reported as Charged Off while still showing a Past Due balance of {$29000.00}. Under Metro 2, a charged-off account must report Current Balance XXXX XXXX and no past due. 
Conflicting balances : Original Balance {$30000.00}, Charge-Off {$33000.00}, Past Due {$29000.00}. Metro 2 requires internal consistency between these fields. 
Marked Closed but still shows an open balance and past due, which Metro 2 prohibits. 

Account # XXXX Reported as Charged Off while still showing a Past Due balance of {$48000.00} ( again, Metro 2 requires Current Balance XXXX  XXXX and no past due ). 
Conflicting balances : Original Balance {$47000.00}, Charge-Off {$52000.00}, Past Due {$48000.00}.

Marked Closed but continues to show a balance/past due. 

I have already sent Metro 2 compliance dispute letters by certified mail to XXXX, Experian, and XXXX  on XX/XX/year>. These fields materially misrepresent liability, harm my creditworthiness, and violate industry reporting standards. 

Please require XXXX XXXX XXXX to either : 1.Delete both tradelines from all credit reporting companies, OR 2.Correct every field to be fully Metro 2 compliant ( Current Balance XXXX XXXX, Past Due XXXX  XXXX, internally consistent balances, and closed status with no remaining balance ). 

Written confirmation of correction or deletion should be provided.

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 2025-09-24 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 understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: PA

Complaint narrative:
In the credit score check application, I found a debt linked to the electric power company in Georgia, even though I have never lived in or moved to Georgia. I spoke with the debt collection company, and the amount owed is {$190.00}. I know the person who stole my information and I have reported it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: AL

Complaint narrative:
On XX/XX/year> I requested verification of debt letter and have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: MO

Complaint narrative:
I received a random message about a medical debt from a hospital Ive never attended in a state Ive never lived in nor visited. Ive also have not received any mail about this so called debt. I believe this is a scam. The message reads as follows Recoveri, a DebtCollector : Your balance of {$1400.00} is due on account XXXX, which originated with XXXX XXXX XXXX XXXX and is now owned by our client XXXX XXXX XXXX. Please call us at XXXX to discuss payment options or visit XXXX XXXX XXXXXXXX. To Optout Txt STOP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX and their collector, Rent Recovery Solutions, for fraudulent and unsupported move-out charges from my former residence at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC ( XX/XX/XXXX XX/XX/XXXX ). 

XXXX  billed us for : {$36.00} in utility charges for a cycle beyond our tenancy. Yes XXXX XXXX confirmed no such billing exists. The leasing XXXX XXXX XXXX only provided internal screenshots, not actual bills. 

{$380.00} carpet replacement fee despite the XXXX XXXX XXXXeing documented in the move-in sheet. No invoice or proof of replacement was provided by XXXX ( leasing manger ), and we have photo/video evidence showing the carpet was undamaged at the move out. 

{$240.00} cleaning fee even though the unit was cleaned and left undamaged. Again, no invoice was provided, and their photos do not show any valid issue. 

Spire issued the final bill on XX/XX/XXXX, and sent the account to collections ( Rent Recovery Solutions ) the very next day without giving us a chance to dispute. Requested move-out walkthroughs were repeatedly denied, by leasing XXXX XXXX XXXX and XXXX resident portal access was revoked to block access to statements ( we downloaded a copy beforehand that shows inconsistencies ). 

I disputed all charges with Rent Recovery Solutions by mail before XX/XX/XXXX, with supporting evidence, and have not received any response from them about the disputed chargesXXXX XXXX XXXX XXXX, continues to avoid providing invoices or proof and instead shifts the conversation despite my multiple attempts of emailing her the details and evidences of an undamaged and clean unit at the move out

Company response to consumer: Untimely response
Consumer complaint received 2025-09-24 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: CA

Complaint narrative:
I am disputing the reporting of unauthorized and inaccurate accounts on my credit report. I did not open or authorize these accounts, and I was never notified of their addition. On top of that, the information being reported differs across the credit bureaus, which is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), requiring agencies to ensure maximum possible accuracy.

This matter also violates 15 U.S.C. 1681i, which requires disputed accounts to be investigated and corrected or removed within 30 days, and 15 U.S.C. 1681g, which guarantees the right to accurate and complete file disclosures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I was the victim of a rental scam. I sent a Zelle payment for an apartment deposit and was never provided a lease or keys. These transactions total {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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:
I am writing again because my credit report continues to display information that is inaccurate, unverifiable, and harmful to my financial standing. These items have already been disputed, yet they remain, and I must now demand their permanent removal under the protections of the Fair Credit Reporting Act. 
One account still appears as a late closed entry : XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX with a reported balance of {$360.00} XXXX XXXX. This reporting is in violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 605B 15 U.S.C. 1681c-2, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), as the accuracy and verification of this information can not be substantiated. 
I also see multiple charge-offs that can not be validated and must be deleted. These include XXXX, account number XXXX, showing a {$0.00} balance, XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also at {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX, reporting a balance of {$380.00}, and XXXX XXXX XXXX account number XXXX, showing {$0.00}. Continuing to report these items without proper verification is a violation of FCRA 605B 15 U.S.C. 1681c-2 and FCRA 611 ( a ) 15 U.S.C. 1681i ( a ). 
Additionally, I am being unfairly harmed by several collection accounts. These include XXXX XXXX, account number XXXXXXXX XXXX, with a balance of {$550.00}, XXXX XXXX, account numbers XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reporting balances of {$880.00} and {$890.00} XXXX XXXX and XXXX XXXX, account number XXXX, with a balance of {$11000.00}. These collections are inaccurate, unverifiable, and must be permanently deleted under FCRA 605B 15 U.S.C. 1681c-2 and FCRA 611 ( a ) 15 U.S.C. 1681i ( a ). 
Finally, there are unauthorized and unlawful inquiries still listed on my file, including XXXX XXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXX dated XX/XX/XXXX, and XXXX dated XX/XX/XXXX. These inquiries were not authorized by me and therefore constitute violations of FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), and FCRA 605B 15 U.S.C. 1681c-2. These must be removed 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
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX XXXX, I mailed a formal credit dispute to Equifax by Certified Mail. USPS tracking confirms delivery on that date. Under FCRA 611 ( a ) ( 1 ) ( A ), Equifax had 30 days to reinvestigate and under 611 ( a ) ( 6 ) ( A ) they were required to provide me with written results of the reinvestigation. 

Equifaxs online portal shows my dispute marked Completed on XXXX XXXX. However, I have not received anything mailed results. Unlike a prior dispute, no PDF of the results was made available online. Even if results were posted electronically, this does not satisfy 611 ( a ) ( 6 ) ( A ), because I did not affirmatively opt into paperless-only delivery under the E-SIGN Act. 

I also requested the method of verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ), including the name, address, and telephone number of each furnished contacted, but Equifax did not provide this information.

Equifax failed to provide the required mailed written results of its reinvestigation, leaving me without the legally required documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 UNAUTHORIZED INQUIRIES : Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: CA

Complaint narrative:
I've sent disputes to Equifax, Experian and TransUnion regarding some accounts on my report that I do not recognize. The accounts are on my dispute letter that I will attach here. I also created an identity theft report to support my claim and attached it to my dispute letter together with the photo of my proof of address and driver 's license. I sent it to Equifax last XXXX but up until today, these accounts are still being reported to my credit file.

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 2025-09-24 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: CA

Complaint narrative:
I've sent disputes to Equifax, Experian and TransUnion regarding some accounts on my report that I do not recognize. The accounts are on my dispute letter that I will attach here. I also created an identity theft report to support my claim and attached it to my dispute letter together with the photo of my proof of address and driver 's license. I sent it to Equifax last XXXX but up until today, these accounts are still being reported to my credit file.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my fredit report, immediately I NEED THEM ACCOUNT REMOVE : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my fredit report, immediately I NEED THEM ACCOUNT REMOVE : XXXX XXXXXXXX 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 2025-09-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Benht: Economic Development Corporation
State: CA

Complaint narrative:
On XX/XX/year>, I received a call from XXXX XXXX  to inquire if I wished to sign for another predatory ( 700 % APR ) loan, after successfully paying off a previous loan, at XXXXXXXX XXXX. I have been receiving these calls throughout the day and have declined to answer. I finally had enough of these intrusive calls so I answered. I explained to the " representative '' of XXXX XXXX that calling this late in the day is rather bothersome and it is a direct violation of calling after hours. I have to get up at XXXX in the morning every day to work a menial job to afford to live. 

I am absolutely astounded that a " business '' such as XXXX XXXX would resort to such desperation to extort people of their hard earned money through these predatory loans to include calling people well after established hours for communicating such inquiries. The phone call I received woke me up shortly after I had fallen asleep. I became slowly yet further irritated at the phone call I was receiving. I have dealt with many loan businesses in my life but I have never experienced this type of behavior from any of them. Calling me multiple times per day and after regulatory hours in completely unacceptable. 

I sincerely wish that XXXX XXXX be reviewed for their very conduct of business. I would like to say more right now but I need to get to bed because I have to wake up early in the morning. I feel that I had to say something to some authority first though.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am under extreme distress because of these ongoing FCRA violations. The Fair Credit Reporting Act requires 100 % accurate reporting, yet inaccurate and unverifiable accounts remain on my file after multiple disputes. This has caused me serious harm, including financial strain, emotional stress, and difficulty moving forward with my personal obligations. I feel overwhelmed and do not know how much more I can take. These errors are not just technicalthey affect my daily life, my financial stability, and my peace of mind. I am entitled to a fair resolution under the law in the form of deletions. The accounts listed in my attached letter are not accurate, and I urgently demand their immediate removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am under extreme distress because of these ongoing FCRA violations. The Fair Credit Reporting Act requires 100 % accurate reporting, yet inaccurate and unverifiable accounts remain on my file after multiple disputes. This has caused me serious harm, including financial strain, emotional stress, and difficulty moving forward with my personal obligations. I feel overwhelmed and do not know how much more I can take. These errors are not just technicalthey affect my daily life, my financial stability, and my peace of mind. I am entitled to a fair resolution under the law in the form of deletions. The accounts listed in my attached letter are not accurate, and I urgently demand their immediate removal.

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