vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 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: NV

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-09-27 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: GA

Complaint narrative:
Complaint Against : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Issue : On XX/XX/year>, I mailed certified disputes for two XXXX XXXX accounts. 

XXXX responded only by email, never mailing validation. 

Despite this, they continued updating derogatory info, adding interest, and re-aging the accounts. 

They also sent text messages and emails while the dispute was active, which violates FDCPA 15 U.S.C. 1692g.

This is inaccurate, unfair reporting in violation of FCRA 15 U.S.C. 1681s-2.

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 2025-09-27 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Complaint Against : XXXX XXXX XXXXXXXX XXXX XXXX. 

Date : XX/XX/XXXX  From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Issue : I disputed two XXXX XXXX accounts. 

XXXX  verified the accounts without mailed validation from XXXX XXXX. 

Reporting shows re-aged payment history and current status with interest added, which is inaccurate.

No proper investigation was done, in violation of FCRA 15 U.S.C. 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: FL

Complaint narrative:
The company is reporting a debt that is not verified, I'm asking that the company submit verifiable proofs such as the original agreement, signature or a statement.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
This is a formal dispute of the Jefferson capital systems account. You are furnishing data that is inaccurate and Unverifiable VIOLATING FCRA 607B 609 ( A ) 611,623, FDCPA 807-809 1. FAILURE TO MARK DISPUTE The account is not coded with the XB compliance code in violation of FCRA 623 ( A ) ( 3 ) 2. NO PROOF OF OWNERSHIP Jefferson capital has failed to provide me the original contract or assigned documentation 3. By failing to validate, You are engaging in unfair an deceptive practices prohibited under UDAAP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

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 2025-09-27 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: TX

Complaint narrative:
Complaint Regarding Inaccurate Credit Reporting XXXX  XXXX XXXX Account XXXX To Whom It May Concern : I am filing a formal complaint regarding inaccurate and unverifiable reporting of the following account on my credit report : Creditor Name : XXXX  XXXX XXXX Account Number : XXXX Date Reported : XX/XX/year> Disputed Amount : {$690.00} Credit Bureau : Equifax / XXXX  / TransUnion This account is inaccurate, incomplete, and/or unverifiable, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically : 1. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Creditors must report accurate information. 
2. 15 U.S.C. 1681 ( b ) Credit reporting agencies must maintain maximum possible accuracy. 
I demand that the CFPB : 1. Investigate this account and compel the credit bureau and creditor to verify, correct, or permanently delete the inaccurate information. 
2. Provide written confirmation of the investigation results.

3. Provide an updated credit report reflecting the permanent deletion or correction of this account. 
Enclosed are copies of my credit report, prior dispute letters, and supporting documentation. I expect acknowledgment and updates on the progress of the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
A credit card at citizens bank was opened up on my name and social. This was not made by me. I want this card closed and out of my credit report. 
Citizens bank shouldve never let this happen without verifying if I was the actual person opening this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: NY

Complaint narrative:
I completed a purchase with XXXX XXXX via PayPal on XX/XX/year>XXXX  for $ XXXX. Before the item was shipped, the merchant offered a full refund on XX/XX/year>, which I accepted. Despite this, the merchant shipped the item afterward and refused to issue the refund. 

I filed a dispute with PayPal. They initially decided in my favor, recognizing the refund agreement. However, they later reversed the decision solely because the merchant provided delivery confirmation. Delivery confirmation is irrelevant because the shipment was unauthorized under the refund agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
In accordance with the fair reporting act this creditor, PENNYMAC LOAN SERVICE , LLC has violated my rights under 15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681, section 604a, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XX/XX/year> XX/XX/year> XX/XX/year> Creditor Information : PENNYMAC LOAN SERVICES LLC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Re : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX. 

To Whom It May Concern : I am writing to formally dispute the accuracy and completeness of the account being reported by XXXX XXXX XXXX on my credit report. This account is unverified. Despite requests, XXXX XXXX XXXX has failed to provide proper validation of this alleged debt as required by law. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681g, I demand that you : Conduct a full reinvestigation of the disputed account. 

Provide me with the method of verification used to confirm the accuracy of this account. 

Furnish all documents used in the verification process, including : The original signed contract or credit agreement bearing my signature. 

The original application used to open the account. 

Full account-level documentation, including statements, itemized charges, interest calculations, and any payment history. 

The complete chain of title showing assignment from the original creditor to XXXX XXXX XXXX, including all Bills of Sale or Contracts of Assignment. 

Any Forward Flow Agreement or similar documentation evidencing legal ownership of the account by XXXX XXXX XXXX. 

Failure to Validate : XXXX XXXX XXXX has not produced any of the above documentation to validate ownership, accuracy, or the legal right to report this account. Furnishing information to a credit bureau without validation is a violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ) ( duty of maximum accuracy ) and deprives me of my rights under the law. 

If XXXX XXXX XXXX can not validate the account, you are required to delete this tradeline from my credit report pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 

A simple electronic data response ( e-OSCAR ) or generic confirmation from the furnisher is not sufficient for verification under the law. 

I also request a complete and detailed explanation of the procedures used to verify this account, including the name and contact information of the individual or entity who verified it. 

If you fail to provide proper verification and documentation, or continue reporting unverifiable information, it will constitute a willful violation of the FCRA, and I will pursue all available remedies under 15 U.S.C. 1681n and 1681o, including damages, attorneys fees, and costs.

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 2025-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
Hello, M & T bank increased my morgage by around {$400.00} per month from XX/XX/year> due to shortage in my escrew. 
They made mistake last year when they closing my loan by underestimation of my property tax. Now they increased my morgage from {$3300.00} to {$3700.00}. This is too much pressure on my family. 

My escrow payment was {$520.00} last year and I have shortage of {$350.00}. They asked me to XXXX pay {$2200.00} in XXXX payment to decrease your morgate by {$180.00} or you have to pay monthly morgage of {$3700.00}. 

Details of loan : Principal and interest : {$2800.00} Monthly escrow : {$700.00} XXXX : {$3500.00} They now asked me to pay extra monthly shortage of {$180.00} monthly which is not make sense to me. 

I can't tolerable their mistake to underestime my tax when they closed my loan. I adjusted my life with the current morgage amount. 

I asked to close my escrew account and I can manage the taxes and other cost by myself which is reasonable to me to pay {$3500.00}. 
XXXX per month and also I will pay the shortage of around {$350.00} from the last year. They said we can not. 

M & T bank should be responsible for their fault during the closing of loam and now too much pressure on my family by increasing the morgate by 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 2025-09-27 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I reported identity theft to the credit card company ( XXXX ) after discovering that someone had opened an account in my name. I have submitted police reports, but the credit card company continues to keep the card open in my name and charges me for it.

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX - XXXX - Account not mine XXXX - XXXX - Account not mine

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 2025-09-27 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft. My information was stolen. I did not consent to authorize or benefit from any of the following accounts. All are being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked until the investigation is complete. Since 4 business days from the receipt of this communication allowed under federal law to block these orders, failure to do so within 4 business days after receiving this letter constitutes a reason to promptly delete the information from my credit file in refer to FCRA ( USC ) 1681.

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 2025-09-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Activehours
State: TX

Complaint narrative:
Today, on XXXX, I reached out to EARNIN via chat regarding a loan they claimed would be paid off on my payday, which is XXXX. Since I get paid every two weeks, they had access to my account and told me I was approved for {$75.00}. This amount was deposited into my account on my payday today, XXXX. However, what they actually did was deposit {$75.00} into my account and then immediately debited {$85.00} back out. Whats the point of that? It feels like a scam! I had to contact XXXX about the fraud, which led to them interrupting my account and ultimately shutting it down due to unauthorized transactions. This company doesnt even have a phone number and is clearly running a scam. They are robbing innocent people who are in need of funds and getting away with it. I have reported them to XXXX for fraud, and I have since closed my account and uninstalled the app. This company should not be operating and scamming innocent individuals after obtaining their Social Security number and address, dob, access to checking act, copies of payroll checks, etc. They even require you to provide your employer 's address, which is none of their business. They advertise lending a minimum of {$100.00}, but then they came back to tell me I was approved for {$75.00} and stole {$85.00} from my account on the same day. Please see my statement for proof.

Company response to consumer: Closed with explanation