vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone number- XXXX You have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I have the right to fair and accurate reporting, free from false or damaging information. 605 [ 15 U.S.C. 1681c ] Inaccurate, obsolete, or unverifiable accounts must not be reported. 605B [ 15 U.S.C. 1681c-2 ] I request this fraudulent account be blocked and deleted due to identity theft. 611 [ 15 U.S.C. 1681i ] I am disputing this account and demanding reinvestigation and correction within 30 days. 623 [ 15 U.S.C. 1681s-2 ] as the furnisher, must investigate and delete unverifiable or incorrect information. FACTA 315 Failure to verify identity or report accurate contact information is a violation, and any account opened under such circumstances is unlawful. The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A and 15 USC 1681q. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I am writing this letter to dispute the following account/s This agency is in violation of 15 USC 1692gb . This is an official dispute of this account. I demand the above account deleted from my consumer report - I would like this account removed immediately and my credit score immediately restored to its original state with no issues whatsoever. 1. 2. Defamation of Character ( per se ) Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Thank you for helping me with this matter. We provided proof to the seller that their worker lied about the work completion time, clocked impossible hours ( 24 hours in a single day on multiple occasions ), never delivered any final or partial product, and charged us in total over {$13000.00}. We provided a variety of screenshots showing that this was the case. They said we have no recourse in this situation and simple have to accept losing 100 % of the funds we paid in exchange for nothing in return. I believe that is completely unreasonable. 

We then approached Paypal and opened disputes, they told us ( on a holiday weekend ) that we had to escalate to claims, and before the holiday weekend ended they closed on all the disputes and said they could not be reopened, never giving us the chance to open a claim that should clearly be closed in our favor. 

Please help us get this resolved. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
TransUnion has blocked my access to their web services, including submitting disputes. I called several times and provided requested information without any notification or resolution. I have to submit a dispute over the phone, and after 3 days there is a change status notification regarding the account in dispute. From my understanding there will be no changes in an account in a dispute status until the investigation is concluded. 
TransUnion is in noncompliance with my consumer rights and inquiries after several efforts.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint to dispute several inaccurate accounts and unauthorized inquiries on my credit report that are negatively impacting my credit. My accounts with XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$920.00}, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1400.00} ) are incorrectly reported as Late Close. These misreports violate FCRA 607 ( b ), 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy, and FCRA 611 ( a ), 15 U.S.C. 1681i ( a ), which gives me the right to dispute and have incorrect information reinvestigated. 
In addition, my XXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$1900.00} ) and XXXX XXXX  account ( XXXXXXXX XXXX XXXX XXXX, {$1100.00} ) are listed as charge-offs without any IRS Form 1099-C. Because these debts exceed {$600.00}, the reporting is incomplete and unverifiable. These accounts violate FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) for inaccurate reporting and FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ), which requires furnishers to correct or update information they know to be inaccurate. 
My credit report also includes inquiries I did not authorize, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThese unauthorized inquiries violate FCRA 604 ( a ), 15 U.S.C . 1681b ( a ), which limits permissible purposes for accessing a consumer report, and FCRA 619, 15 U.S.C. 1681q, which prohibits obtaining consumer information under false pretenses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint to dispute several inaccurate accounts and unauthorized inquiries on my credit report that are negatively impacting my credit. My accounts with XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$920.00}, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1400.00} ) are incorrectly reported as Late Close. These misreports violate FCRA 607 ( b ), 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy, and FCRA 611 ( a ), 15 U.S.C. 1681i ( a ), which gives me the right to dispute and have incorrect information reinvestigated. 
In addition, my XXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$1900.00} ) and XXXX XXXX  account ( XXXXXXXX XXXX XXXX XXXX, {$1100.00} ) are listed as charge-offs without any IRS Form 1099-C. Because these debts exceed {$600.00}, the reporting is incomplete and unverifiable. These accounts violate FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) for inaccurate reporting and FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ), which requires furnishers to correct or update information they know to be inaccurate. 
My credit report also includes inquiries I did not authorize, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThese unauthorized inquiries violate FCRA 604 ( a ), 15 U.S.C . 1681b ( a ), which limits permissible purposes for accessing a consumer report, and FCRA 619, 15 U.S.C. 1681q, which prohibits obtaining consumer information under false pretenses.

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 2025-09-05 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: IL

Complaint narrative:
To : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, FL XXXX XXXX RE : Dispute of Inaccurate Late Payment Information Account Name : XXXX XXXX Account Number : XXXX To Whom It May Concern, I am writing to dispute an alleged late payment that appears on my credit report for the account listed above. This account is reporting by XXXX XXXX to your agency Experian a late payment for XX/XX/XXXX to XX/XX/XXXX, which I believe is either inaccurate, outdated, or unverifiable. The Payment in question is identified as " late '' but I do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Reporting Act ( FCRA ) and related laws. 

Legal Basis for dispute : 15 U.S.C. 1681a ( 2 ), the term " Consumer Report '' does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself and XXXX XXXX regarding this account should not be included in my consumer credit report. 

15 U.S.C. 1681a ( 2 ) ( a ) 1666, and 1637 ( b ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report. 

Request for action : If XXXX XXXX can not provide sufficient documentation to support the necessary proof of mailing or delivery of the required information, I request that this late payment be deleted from my consumer report. Failure to do so will be considered a violation of 15 1681s-2, which prohibits the reporting of inaccurate or unverifiable information.

I respectfully request that you take the appropriate action to remove this inaccurate late payment entry from my credit report within 10 calendar days of receiving this notice. 
Late payments in question XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. 

Thank you for your promnpt attention to this matter. I Look Forward to your response and confirmation the late payments have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-05 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by Capital One to your agency, [ XXXX ] XXXX and I believe that this entry is inaccurate. The payment in question is identified as late, but I do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Reporting Act ( FCRA ) and related laws. 

Legal Basis for Dispute : Under 15 U.S. Code 1681a ( 2 ), the term consumer report does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself and Capital One regarding this account should not be included in my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: CBC Companies, Inc.
State: SC

Complaint narrative:
To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit but also damaging my financial well-being and seriously hurting my character. 
Enclosed with this letter are the details of the account and dispute, with all my personal information to verify my identity to help expedite this process. 
By provision of 15 USC section 168Li of the fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show PAID IN FULL/AS AGREED or remove this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. The outline is completely inaccurate and there is a very serious error in reporting, please update this information : Account Name : XXXX XXXX XXXX Account # : XXXX This account is listed as a collection/charged off account on my credit report, but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099 to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete it immediately.

Pursuant to 15 US section 168l i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy of and completeness of the information, to be provided within 15 days of the completion of your investigation. 
I appreciate your prompt attention to this matter as these may seem like small reporting errors to you, but they are serious offenses in my report when its time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: SC

Complaint narrative:
To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit but also damaging my financial well-being and seriously hurting my character.

Enclosed with this letter are the details of the account and dispute, with all my personal information to verify my identity to help expedite this process.

By provision of 15 USC section 168Li of the fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show PAID IN FULL/AS AGREED or remove this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. The outline is completely inaccurate and there is a very serious error in reporting, please update this information : Account Name : XXXX XXXX XXXX Account # : XXXX This account is listed as a collection/charged off account on my credit report, but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099 to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete it immediately. 

Pursuant to 15 US section 168l i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy of and completeness of the information, to be provided within 15 days of the completion of your investigation.

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you, but they are serious offenses in my report when its time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. 

Thank you

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 2025-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I have been trying to assume my deceased husbands loan since beginning of XXXX XXXX. I have sent all documents that Penny Mac has requested through the message center live. They requested a declaration page, my Social Security card, my drivers license, as well as my quit claim deed with rights to survivorship. I have called to follow up on numerous occasions as well as being told it was escalated a week ago because I have not gotten any correspondence on the next step. I reached out today and was refused the right to speak with a supervisor no after asking XXXX to get some resolution. I was transferred over back-and-forth for over a hour just for them to tell me the same thing. The representative XXXX was being very rude and hostile and told me it was my perception and I was continuing to delay the process by requesting to speak with a supervisor after its been escalated. I have no documents to upload because all of it is personal information with social security, drivers license and additional correspondence that can not be put in the description but I have records of it.

Company response to consumer: Closed with explanation