vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
PayPal offered a no interest if paid in XXXX months payment option on purchases. I took advantage of this option for a number of years ; as far as knew, I paid the balance in full XX/XX/XXXX. I was very careful to pay within the parameters of the option to avoid any interest charged on the balance owing. 

I noticed I was continuing to be charged, with interest, on a balance my account did not show on-line. 

Now there is no on-line access of this portion of my account- the website has changed. I have contacted PayPal a number of times via their internal messaging system, filing a complaint via their form and a long letter by US mail in XX/XX/XXXX. 

I have not received a response to date and their reporting alleged non-payment to the credit reporting agencies has absolutely ruined what was a very good score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
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 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 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> To Whom It May Concern, I am writing to formally dispute the following debt that is being reported on my credit file : XXXX XXXX : Columbia Debt Recovery Account Number : Reported Balance : {$500.00} This debt does not belong to me. I have no knowledge of this account, I never opened it, and I did not authorize anyone to open it on my behalf. Because this information is inaccurate and unverifiable, I am requesting that it be immediately removed from my credit reports in compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act. 

Please conduct a full investigation of this account and provide written confirmation once it has been removed from my credit file. If you verify that the account is indeed not mine, I expect deletion within the time period allowed by law ( 30 days ). 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rosebud Economic Development Corporation
State: WI

Complaint narrative:
This phone number XXXX ( XXXX ) XXXX has been calling me repeatedly stating they need to serve me papers for debt thats owed. They have contacted all of my family members, my brother, sister, sis in law, mother and father. They are threatening legal action. The return number they gave me XXXX was for a company called global. The person that answered the phone would not tell me anything further than the company is named XXXX  & that they bought my debt & hired a third party company that needs to deliver paperwork. When I asked how to get this paperwork delivered they said they couldnt help me with that. They will get delivered in a timely manner. 

I did try and call the XXXX number back, & its not accepting any phone calls. Only does outgoing calls. They wont tell me the amount of debt owed, or any information otherwise. Whats owed, and when I asked for this information she wont give me anything helpful.

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 2025-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
I received a notice from Cash app that the {$60.00} that I sent to my mother on XX/XX/year> was suspicious activity but the person who I sent it to is my mother and so I requested for more information on why they sent me an email and asked me. Why did I send her the money and I informed them through email that it was for a grocery shopping, and I also indicated that I sent the money to my mother. I have not received any communication back. And I would like some assistance with Cash app so that I can at least withdraw my {$150.00} that is in my cash app currently but they will not allow me to withdraw my amount but I can still add money into my cash app, which is strange so my cash app has not been closed, but they are just not allowing me to withdraw my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate and unverifiable derogatory accounts being reported by the credit bureaus TransUnion, Experian, and Equifax. These accounts are causing significant harm to my credit profile and ability to obtain fair access to credit. 



XXXX Card Account # XXXX XXXX XXXX Account # XXXX / Account # XXXX XXXX Bank Account # XXXX XXXX XXXX XXXXBank Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX Bank XXXX XXXX XXXX Bank XXXX Account XXXX XXXX & # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX Basis of Complaint Inaccurate Balances & Reporting Dates : These accounts continue to update as if they are open and delinquent, despite being charged off. For example, XXXX, XXXX, and XXXX XXXX accounts report new last active dates in XXXX, which constitutes illegal re-aging of debt under the Fair Credit Reporting Act ( FCRA ). 

Conflicting Information Between Bureaus : Each bureau is reporting different balances, credit limits, and statuses for the same accounts, proving the data is inconsistent and unreliable. 

Failure to Verify : I have previously disputed these items with the bureaus, but they remain with no documented proof of validity. Without original signed contracts and complete account statements from the creditors, these accounts can not be considered verified. 

Extended Negative Reporting : Charge-offs and collections are being reported beyond the allowable timeframe by re-aging, keeping derogatory marks on my credit longer than the XXXX limit permitted by the FCRA. 

Requested Resolution I am requesting that the CFPB investigate these reporting violations and compel TransUnion, Experian, and Equifax to : Immediately delete the above-listed accounts from my credit file, Since these accounts are not being reported accurately, consistently, or verifiably, I respectfully request their permanent removal from my credit reports. 

I have enclosed/attached supporting documentation, including copies of my credit reports and account details, to assist with your investigation.

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 2025-09-03 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I observed some inaccuracies on my credit report and reached out to the credit bureau to investigate. However, I don't agree with the account listed below which still appears in my credit report even after their investigation. 

XXXX Bank XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bank XXXX XXXX ) - Account # : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX  and XXXX XXXX - Account 1 - # XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  - Account 2 - # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Insta-Credit Auto Mart, Inc. dba InstaCredit Automart
State: IL

Complaint narrative:
To : Consumer Financial Protection Bureau Subject : FDCPA Violation : Harassment, Abuse, and Unprofessional Conduct by InstaCredit Auto Mart Complaint by : XXXX XXXX Crash Report Receipt # : XXXX The Incident : On XX/XX/year>, my XXXX XXXX was rendered disabled after a crash ( documented by Crash Report Receipt # XXXX ). While processing claims, InstaCredit representativesparticularly XXXX and XXXXresponded with mockery, laughter, and hang-ups, even though I was seeking legitimate support in a time of crisis. My only contact is the XXXX office phone, ( XXXX ) XXXX, which offers no reliable communication channel. 

Federal Law Violation : Under the Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692d prohibits any conduct that harasses, oppresses, or abuses a person in connection with debt collectionthis includes mockery, derision, and abusive hang-ups.

15 U.S.C. 1692c prohibits harassing or repeated phone calls intended to annoy or abuse and mandates respectful communication.

The behavior Ive experiencedlaughter, dismissiveness, repeated disconnectionsclearly violates these protections. 

I Demand : A goodwill adjustment on todays payment, given the disability of my vehicle.

Written assurance that collateral protection will be activated to protect InstaCredits financial interest.

A professional email contact for reliable and respectful communication.

I expect fair treatment and timely resolution. I retain the right to file a formal federal complaint and seek statutory remedies, including damages and legal fees under FDCPA 1692k, if this situation is not handled appropriately.

Thank you for your attention. Let justiceeven in businessbe done. 

Respectfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION
State: NY

Complaint narrative:
i am writing because i would like to update my information on my report because i recently notice unaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing because i would like to update my information on my report because i recently noticed unnacurate information

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 2025-09-03 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: NY

Complaint narrative:
Could you please help me investigate accounts that are misreported as late by these companies? Ive reviewed my credit report and noticed these accounts inaccurately display late payment remarks. Those should be removed, and the accounts should be updated to the positive status we agreed upon. One account is also listed as delinquent unjustly ; Id like this to be disputed and corrected to show no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-03 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: MI

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-09-04 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: NC

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$19000.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: NC

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$19000.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-03 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: Oliphant United, Inc.
State: CA

Complaint narrative:
I contacted XXXX XXXX XXXX regarding a fraudulent loan under my name and was able to prove that I am a victim of identity theft. XXXX XXXX XXXX agreed to remove this account from my credit file. However, XXXX  is still reporting this account as a collection account trough oliphant USA LLC. Phone number ( XXXX ) XXXX address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX on my credit and is requesting a CFPB report in order to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: GA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of th
is title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Since XX/XX/XXXX, I have submitted complete loan modification and loss mitigation applications for loan # XXXX related to my late parents property at XXXX XXXX XXXX, XXXXXXXX XXXX I am the court-appointed Executor of both estates, and I have provided proof of this status more than XXXX times. 

Despite my compliance, Mr. Cooper has repeatedly mishandled my applications. They have : * Sent documents with incorrect names and borrower information. 
* Failed for years to properly reflect my Executor status, even after I provided legal proof multiple times. 
* Withdrawn loan modification offers based on errors caused by Mr. Cooper. 
* Forced me to resubmit full applications multiple times between XXXX. 

Most recently : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I received a letter stating my XXXX XXXX  modification review was denied due to insufficient time for review because of a scheduled sale. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received another denial letter claiming my documents were received too close to the foreclosure sale date. 
XXXX The foreclosure sale is currently scheduled for XXXX XXXX XXXX XXXX XXXX. 

These denials are inaccurate and unfair. I submitted required documents well before, but XXXX XXXX repeated administrative errors and delays caused the supposed timing issue. Their actions appear to violate * * 12 C.F.R. 1024.41 ( Regulation X ) * *, which prohibits moving forward with foreclosure while a complete loss mitigation application is pending.

Company response to consumer: Closed with explanation