vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 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: NM

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Mexico, XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Subject : Formal Dispute of Unauthorized Hard Inquiries Demand for Immediate Removal Dear Consumer Financial Protection Bureau, I am writing to formally dispute multiple unauthorized hard inquiries that have appeared on my consumer credit report. I did not initiate or authorize these inquiries, and as such, I believe they constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681n ( a ), which provides for remedies against willful noncompliance, including statutory damages of up to {$1000.00} per violation.

The following hard inquiries were made without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX XXXX 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 These inquiries were made without any signed authorization or permissible purpose as required under 15 U.S.C. 1681b. Their presence on my credit report has adversely impacted my credit score and constitutes fraudulent access to my consumer report.

I demand that these inquiries be immediately removed from my credit file. Failure to take corrective action within a reasonable period will result in legal remedies including, but not limited to, seeking statutory damages of {$1000.00} per violation under 15 U.S.C. 1681n ( a ).

Please provide written confirmation that these inquiries have been removed, or that a full investigation has been initiated. I am requesting a response within 30 days from the date of this letter, as required by the FCRA. 

Attached are copies of my government-issued ID and a recent utility bill to verify my identity. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/scrub>, 2024, I incurred a fraudulent charge on my Citibank XXXX XXXX XXXX ending in XXXX for {$910.00} from XXXX XXXX. The fraud was immediately reported and a new card was issued. Despite my numerous attempts, including filing a police report, to get Citibank to remove the fraudulent charge. They refuse. They are now victimizing me. Ive advised them that I wont pay the charge. Consumers should not be bullied by companies like Citibank.

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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
.XXXX  XXXX last 4 of social XXXX and XX/XX/XXXX Under the faith credit reporting act ( fcra ) 611 ( 15 U.S.C . ) I HAVE THE RIGHT TO KNOW THE METHODS AND SOURCES USED TO VERIFY THE DISPUUTED INFORMATION ON MY CREDIT REPORT. PLEASE PROVIDE THE FOLLOWING WITHIN 4 DAYTS OF RECEIPT OF THIS LETTER I've sent a total of XXXX disputes XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Along with XXXX letters requesting a verification of the dispute and never received a response with proof. 
XX/XX/XXXX XX/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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: SC

Complaint narrative:
On XX/XX/XXXX, Checker , Inc. provided a background check to XXXX that falsely reported I was involved in a North Carolina vehicle accident on XX/XX/XXXX. This accident never occurred and does not appear on my certified NC DMV record. I formally disputed the inaccuracy with Checker, requesting a reinvestigation and removal. As of XX/XX/XXXX, the false report has remained for 181 days, harming my employment opportunities and reputation. Checker has failed to verify the accuracy of public records, violating FCRA 1681e ( b ), 1681k, 1681i, and 1681c.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
In XX/XX/XXXX, I received a threatening letter in the mail about 10 days after my purchase that my loan didn't have my car insurance information, which I gave to the dealer and was noted on my finance documents. I called Westlake Financial and after multiple times of the automatic system disconnecting my call, I finally found a person. I never received a welcome letter or any information about setting up an online account. In XXXX, the representative said it could be done over the phone, so I accepted the help. Once I had an online account, I uploaded my insurance information. I called again on XX/XX/XXXX and spoke to a representative that said to call on the date of my monthly scheduled payment. I called today, XX/XX/XXXX yet the representative I spoke with said there would be a {$5.00} fee for the extra payment, which I was not told about the first time I called. Also, online payments can only be made up to {$990.00} so that is frustrating when I wanted to pay more than that. Then I waited on hold with another representative, after having to call six ( 6 ) times because the automated system kept disconnecting. The supervisor said I could make up to 4 additional payments online in a 30 day period, but a representative told me I could only make an extra payment once a month. Each person I have spoken with at this company has provided different information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I submitted a complete loan modification package, and my request was denied based on a negative XXXX ( XXXX XXXX XXXX ) outcome. The denial cited a property value of {$1.00} million and invited me to dispute that value. I did exactly that submitting evidence of a higher property value as instructed. However, in a follow-up letter dated XX/XX/year>, the servicer stated that a higher value would not help and in fact reduces the amount of arrearage they could forbear, thus harming my modification eligibility. This change in position appears arbitrary and misleading. It suggests that their XXXX XXXXt is applied in a manner that discourages borrower participation and undermines any good faith effort to retain the home. I further suspect the servicer may not be considering all investor-permitted options ( e.g., full ballooning of arrears, term extension, or reduced interest rates ). I have asked the servicer to disclose the XXXX inputs and recalculate the modification under different terms but have not received a substantive response. This appears to violate transparency principles under RESPA and CFPB servicing rules. I request your office investigate whether this denial and their process were conducted in good faith. Also, Mr. Cooper is engaging in dual tracking. The minute the loan modification was denied, they scheduled a sheriff 's sale. That means that while I dispute and appeal the denial of the loan modification ( which I can do per their letter ), they will not allow a borrower to apply for any other resolution ( like short sale or deed in lieu ). Listing the property for sale, right at the end of their loss mitigation process is fraudulent and they should be penalized for dual tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: EdFinancial Services
State: TX

Complaint narrative:
I am writing to bring to your attention an issue with my credit report. Late payments have been reported for an account I have diligently paid on time. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account :, XXXX, Account Number XXXX ). I respectfully request an investigation and supporting documentation. Should no such evidence exist, I request the inaccurate data be promptly corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am submitting this statement in support of FTC Identity Theft Report # XXXX. I am a victim of identity theft due to a data breach, which led to the unauthorized opening of a XXXX XXXX  account ( Account # XXXX ) in my name without my knowledge or consent. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B ) and 1681i, I respectfully request that this fraudulent account be blocked and removed from all relevant reports and systems within 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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:
ATTENTION : CFBP SUBJECT : Formal Dispute and Demand for Deletion of Loan Records from DEPT OF EDUCATION/XXXXXXXX XXXX DEPT OF ED To Whom It May Concern, This correspondence serves as a formal dispute of the student loan record associated with the above-referenced account, currently maintained by the Department of Education and/or its servicers , including XXXX. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I am asserting that the continued reporting and maintenance of this debt is improper and I am demanding its immediate deletion from all records.

Upon review, I have identified material deficiencies in the accuracy and verifiability of the data underlying this account. Federal consumer law requires that all information furnished to consumer reporting agencies be complete and verifiable. If the Department of Education and its agents are unable to provide full substantiation of this debtincluding original loan documents, a complete payment history, and a clear calculation of any outstanding balanceI request that the loan record be immediately deleted from all systems and all credit reporting agencies notified accordingly. 

Please consider this letter a direct request for deletion under the FCRA and FDCPA. If you are unable to fully validate the accuracy and legal enforceability of this debt, you are obligated to remove it from all reporting. 

Thank you for your prompt attention. 

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 2025-05-18 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:
This is my third request to XXXX XXXX XXXX  To block information being reported on my credit report by this company, They have ignored and failed to my request even tho I have sent them proof of my identity and proof of Address they have responded with a They think the information was not sent by me. I have submitted my government ID social security card and proof of Address, I WILL SUE XXXX XXXX  AND EXPERIAN for ignoring my request, I also will file a complain with FTC and general Attorney along with a lawsuit.

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 2025-05-18 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX for Immediate Deletion Pursuant to XXXX XXXX Portfolio Recovery Associates , LLC To Whom It May Concern, I am submitting this formal dispute regarding an inaccurate and unverified account currently reported on my credit file by Portfolio Recovery Associates , LLC ( PRA ). I request an immediate investigation and permanent deletion of the account in question from all major credit reporting agencies ( Equifax, Experian, and TransUnion ). 

Disputed Account Details : Creditor : Portfolio Recovery Associates , LLC Original Creditor : XXXX XXXXXXXX Account Number : XXXX Date of Report/Entry : XX/XX/XXXX Reason for Dispute : PRA has failed to provide sufficient documentation verifying legal ownership of the alleged debt reported against me. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), the burden of proof rests on the debt collector to establish that they have the right to collect and report the debt. 

In the XXXX Virginia Court of Appeals decision in XXXX XXXX Portfolio Recovery Associates , LLC, the court ruled that PRA did not demonstrate proper ownership of the debt and failed to meet the evidentiary standard necessary to maintain collection or reporting activities. The court reversed a lower court decision after PRA was found to have submitted inadequate and unsubstantiated documentation.

Given PRAs established pattern of failing to verify debt ownership, and in line with the precedent set by the XXXX case, I respectfully demand the following : 1. Immediate and permanent deletion of this account from all credit reporting bureaus ( XXXX XXXX XXXX XXXX  ). 
2. Written confirmation of the deletion.

3. Disclosure of any documentation PRA has used to verify the validity and ownership of the alleged debt.

Next Steps : If this matter is not resolved promptly and the account is not deleted, I am prepared to initiate legal action based on willful noncompliance with federal consumer protection laws. This includes potential claims for damages under the FDCPA and FCRA. 

This is a good-faith effort to resolve the dispute without legal intervention. I appreciate your prompt attention to this matter and expect confirmation of your findings and actions within the statutory period. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ATTENTION : Consumer Financial Protection Bureau ( CFPB ) SUBJECT : Formal Dispute and Demand for Deletion of Credit Card Account XXXX XXXXXXXX XXXX XXXX  To Whom It May Concern, I am submitting this letter as a formal dispute regarding a credit card account reported by XXXX XXXX XXXX Bank on my consumer credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I hereby demand the immediate deletion of this account from all records and consumer reporting agencies. 

Upon review of the information being reported, I have identified material concerns regarding the accuracy, completeness, and verifiability of the data associated with this account. Federal consumer protection law requires that all information furnished to consumer reporting agencies must be accurate, complete, and fully substantiated. I demand that this record be deleted in its entirety and that all relevant credit bureaus be immediately notified of its removal. Please consider this a direct and formal request for deletion under the FCRA and FDCPA. 

I respectfully request that the CFPB take all appropriate action to ensure my consumer rights are protected and that XXXX XXXXXXXX XXXX XXXX reporting practices comply with all applicable federal statutes. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PR

Complaint narrative:
I joined an online company called XXXX XXXX, which paid me daily to upload videos to online platforms such as XXXX and XXXX. I invested only {$790.00}, and for months this was paying me {$26.00} a day. I had a manager called XXXX, and she asked me to help others to also join the platform, which required XXXX XXXX to enter. Only XXXX  could buy this, so I was sent money through PayPal to help them purchase this crypto. After a while, larger packages became available of what the managers had been buying, so the packages increased eventually to {$4000.00} or higher during XXXX. On XX/XX/year>XXXX  my manager XXXX erased her chats and the platform disappeared through the day, leaving us with only the group chats. I started to receive chargebacks in PayPal, and this negative balance grew to {$38000.00}. I completed all of the transactions perfectly, however. And many of these people made money, some outstanding amounts. I have screenshots of all the transactions, however the XXXX  does not fit in your format. I will send some examples.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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:
This complaint is submitted in response to TransUnion LLCs reinsertion of two tradelines that were previously deleted as a result of formal disputes. The reinsertions appear to have been executed without compliance with FCRA 611 ( a ) ( 5 ) ( B ), which governs the reinsertion of previously deleted information. 

The accounts in question are as follows : XXXX. XXXXXXXX XXXX Deleted : XX/XX/XXXX Reinserted : XX/XX/XXXX ( same day ) XXXX. XXXX Deleted XXXX XX/XX/XXXX Reinserted : XX/XX/XXXX FCRA Violations Identified TransUnion has failed to meet its obligations under the Fair Credit Reporting Act in the following ways : 1. Failure to Adhere to 611 ( a ) ( 5 ) ( B ) : TransUnion reinserted the XXXX and XXXX XXXX XXXX providing all the required disclosures and documentation to the consumer. Specifically : No evidence was provided showing that certified new verification was received from the furnishers after deletion. 

A deletion letter and reinsertion letter was sent to me with the same date ( XX/XX/XXXX ) stamped on both documents. the XXXXXXXX XXXX  tradeline occurred on the same date, which indicates a failure to follow a legitimate reinvestigation process. 

The name and address of the furnishers who certified the reinsertion were not disclosed. 

2. Possible Noncompliance with 611 ( a ) ( 5 ) ( A ) : If TransUnion lacked new verification at the time of reinsertion, then it failed its duty to permanently delete unverifiable information as required.

3. Violation of 1681e ( b ) : The reappearance of disputed, unverifiable, or improperly verified data undermines the accuracy of my credit file and violates TransUnions duty to maintain the maximum possible accuracy of consumer information. 

Consumers Request for Action I respectfully request that the CFPB and XXXX investigate the following : Whether TransUnion received certified new verification from the furnishers in connection with each reinsertion ; Whether the reinsertion process for each account was legally and procedurally compliant ; Whether this reflects a systemic failure to properly reinvestigate or notify consumers of reinsertion activity as required by federal law. 

I also request that TransUnion be compelled to : Delete both tradelines unless it can produce proof of certified reinsertion as outlined in FCRA 611 ( a ) ( 5 ) ( B ) ; Cease and desist from further reinsertions without strict adherence to federal notice and verification requirements ; Provide a complete record of reinvestigation activity for both accounts. If Transunion is not able to provide a complete record of their investigation then these accounts need to be deleted immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: The CBE Group, Inc.
State: IL

Complaint narrative:
I sent the company a cease and desist letter along with the validation letter I did not get a response can you guys help with this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: AR

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief