vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me XXXX. Hope you can address this soon, please.

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 2025-07-29 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: PA

Complaint narrative:
XXXX asking for your assistance to investigate accounts from these companies that inaccurately report late payments. Ive reviewed my credit report and found entries showing late payments where there shouldnt be anythese should not appear. Please remove those remarks and correct the accounts to reflect a positive status, as previously agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NJ

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Subject : Formal Complaint and Request for Removal of Inaccurate and Unverifiable Information Dear CFPB Representative, I am writing to formally file a complaint and request an investigation into several inaccurate and potentially unverifiable items on my TransUnion credit report ( File Number : XXXX ). I have previously attempted to resolve these issues directly with the credit bureau, but the disputed information remains. 

The following accounts are inaccurately reported or are not verifiable : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account opened XX/XX/XXXX - XXXX account with a balance of {$740.00} - I have no knowledge of this debt and have not received proper validation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account opened XX/XX/XXXX - Collection balance of {$390.00} - This was previously disputed and remains unresolved. I request validation or deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account opened XX/XX/XXXX - Collection balance of {$630.00} - I have no record of being notified about this account per FDCPA guidelines.

4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged off with a {$140.00} balance - Account closed in XXXX but continues to report monthly charge-offs inaccurately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged-off account reporting monthly for over XXXX  years - No payments received and no updated communications. Please validate or remove. 

Additionally, the following inquiries were made without my knowledge or authorization : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These entries are impacting my creditworthiness and were not initiated by me. 

Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am requesting a thorough investigation and, if the reporting entities can not fully verify the accuracy of the data, removal of the entries in question. 

Please notify me in writing of the results of your investigation and any actions taken. I can be reached at the contact information listed above. 

Thank you for your time and attention to this matter. 

Sincerely, 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 2025-07-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: CA

Complaint narrative:
I am writing in response to your recent communication regarding an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally dispute this debt and request full validation of your claim. Under federal law, you are required to cease all collection activities until you provide adequate verification of the alleged debt.

Request for Verification : Under 15 U.S.C. 1692g ( b ), you must provide : 1.Proof of your legal standing to collect this debt, including a valid assignment or chain of title demonstrating ownership of the debt from the original creditor to your agency.

2.A full itemization of the alleged debt, including principal, interest, fees, and all charges.

3.Copies of any contracts or agreements bearing my signature that establish my liability for this alleged debt.

4.Proof that the original creditor did not receive any insurance payment, government relief, or tax write-off that nullifies the debt under case precedents such as XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ). 

Potential XXXX Concerns : I also challenge the legitimacy of this debt on the grounds that the original creditor may have already received compensation for any alleged loss. If the creditor was insured against default or received compensation through other means ( such as an insurance policy, a tax write-off or government bailout ), then the alleged obligation may have been extinguished. Courts have held that a party can not seek double recovery for the same loss, as seen in FDIC v. XXXX XXXX. Ins. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 
Additionally, if the debt has been securitized and sold as part of an asset-backed security, the original creditor may no longer have a valid claim, as illustrated in XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which supports the principle that the note and security instrument can not be separated. 

XXXX XXXX payment. Account already XXXX : The alleged debt was already paid and XXXX by the alleged creditor. Please cease all collection activity. 

Cease and Desist Notice : Under 15 U.S.C. 1692c ( c ), I demand that you immediately cease all collection efforts until you fully validate the debt. Failure to provide verification within XXXX XXXX will constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and I reserve my right to file complaints with the Consumer Financial Protection Bureau XXXX CFPB ), the Federal Trade Commission XXXX FTC ), and my State Attorney Generals Office. 

XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Reference # : 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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-07-29 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: 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.

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 knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
I am filing this complaint against Milestone Credit Card ( issued by XXXX  XXXX  Card Services ) due to what I believe to be predatory and unfair fee practices that caused an inflated balance and aggressive debt collection threats over a credit card I responsibly maintained until the fees became unmanageable. 

Details of the Issue : My original balance was approximately {$500.00}. 
In XX/XX/year>, a {$120.00} annual fee was applied, which took me over my credit limit, not due to spending, but due to internal fees from the creditor. 
Following this, I was charged monthly late fees ( {$40.00} ), over-limit fees ( {$40.00} ), interest at 35.9 %, and a recurring credit protection fee ( {$10.00} $ XXXX ) that I never knowingly opted into or approved. 
This pattern continued for several months, with monthly fees totaling {$45.00} or more, even up to {$90.00} some months, compounding interest, and penalties that were automatically triggered by the creditors actions. 

By XX/XX/year>, my account balance had ballooned to {$1100.00}, more than double my actual usage, due almost entirely to these predatory and snowballing fees. 

Why I'm Disputing the Debt : I never exceeded my credit limit through spending, only due to Milestones own fees. 
I did not receive any signed cardholder agreement or clear opt-in for the credit protection charges or maintenance fees. 
When I requested validation from the collection agency, they only provided generic cardholder terms, not a signed contract or fee breakdown showing I explicitly agreed to these terms. 
They are now threatening legal action, even though the original balance has been drastically inflated through questionable billing practices. 
This debt is currently not reported on my credit, and I am being harassed with threats of legal escalation despite having requested clarification and a settlement for the original balance. 

What Im Requesting of CFPB A full investigation into the fee structure, interest rate, and billing practices used on my Milestone account. 
A review of whether these fees violate consumer protection or fair lending standards. 
That the debt be adjusted or invalidated, and that collections and legal threats cease immediately unless the creditor can provide legitimate, documented validation of the charges. 
Accountability for deceptive or exploitative practices by Milestone XXXX XXXX XXXX Card Services, including possible penalties or regulatory consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: KS

Complaint narrative:
Please dispute the following accounts that have been opened or used in my name as a result of a recent data breach. I was recently notified that my personal information may have been compromised, and I have reason to believe that this has led to unauthorized activity on my credit report and/or new accounts being opened without my consent. I did not authorize the opening or use of this account and was not aware of its existence until reviewing my credit report ( or receiving a collection notice. This activity is the result of identity theft stemming from a data breach.

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 2025-07-29 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: Eastern Revenue, Inc.
State: NJ

Complaint narrative:
The school didnt have any payment plan since the amount owed was transferred to XXXX XXXX XXXX XXXX They demanded I pay the full amount. As a father with XXXX kids and the only XXXX source of income its nearly impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: MI

Complaint narrative:
This has to do with CASH APP the company. For some years I owed a company XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and I have used Cash app as a means of money transfer from clients to me for purchases made or to be made. I also use cash app in my personal business including buying XXXX XXXX 
It was early last month that I received an email explaining how it is that with no explanation as what the issue is that my account will be closed and that I should I immediately close my XXXX XXXX XXXXXXXX account and withdraw what ever is in it. So I sent an email asking that they tell me why but low and behold they refused and continued saying thesame thing and asking if I am certified on a survey.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
There are accounts on my credit report that are inaccurate, outdated, or incomplete. These errors affect my ability to obtain credit and do not reflect my true credit history. The FCRA was enacted to ensure fairness, accuracy, and privacy in credit reporting, and continued reporting of incorrect information undermines those protections. Despite previous disputes and requests for verification, the accounts remain, with no meaningful investigation or correction provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXX  XXXX XXXX XXXX XXXX XXXX  Balance : {$14000.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$170.00}

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 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: CA

Complaint narrative:
Heres a concise debt validation paragraph you can use for a closed collection account, citing the relevant legal codes under the FDCPA : Pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am exercising my right to dispute the validity of the alleged debt and formally request validation. As the account in question has been reported as closed, I am requesting full documentation to verify that this debt is legally owed by me. This includes the name of the original creditor, a detailed account history, the amount claimed, and proof that your agency has the legal authority to collect or report this debt. Until you provide proper validation, you are prohibited from continuing collection efforts or reporting this account to any credit reporting agency, in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-07-29 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: DC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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 am insisting on the prompt deletion of the disputed item and immediate escalation of this matter to an TransUnion compliance supervisor. Failure to resolve this swiftly will result in a formal complaint to the XXXX of the XXXX XXXX ( XXXX ) and a request for intervention from congressional authorities. 
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 explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZWICKER & ASSOCIATES
State: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX and their legal partner Zwicker & Associates XXXX. A process server attempted to serve me legal documents at my home regarding a debt with XXXX XXXX. However, I had not yet been properly served or notified of any lawsuit. 

After discovering this attempt, I immediately contacted XXXX XXXX and entered into a payment plan on XX/XX/year>, which is now active. Despite my effort to resolve this in good faith, no one at XXXX XXXX o

r Zwicker has explained why legal action was being pursued while I was actively trying to pay. I believe this action was deceptive and meant to intimidate me into compliance without proper legal documentation or notice. No validation was provided, no lawsuit information was given, and no one confirmed whether I was actually being sued or not. This is unacceptable and may violate FDCPA protections. I request that all legal actions be frozen, that my payment plan be honored, and that XXXX XXXX confirms no lawsuit will proceed while I am paying according to the agreed terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NM

Complaint narrative:
I need you to look into the mistakes that is currently being reported on my credit report. It contains numerous errors that I can no longer ignore. Ive reviewed it thoroughly and there are fraudulent information that Ive never authorized nor benefited from. I demand for immediate correction of my file and I need you to make sure sure all my information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with explanation