vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: OR

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-09-17 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: OR

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: OK

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Complaint Description : On XX/XX/2025, and XX/XX/2025, I was charged twice by PayPal for the same service. The first charge was for {$210.00} and the second was for {$280.00}. Despite these payments, I never received the service I paid for. 

I filed a dispute with PayPal, but they denied my claim, stating that there was no duplicate charge. However, my bank statement clearly shows XXXX separate charges close together for the same service, and I have not received what I paid for. 

I am requesting a full refund for these duplicate and undelivered transactions and a fair review of how PayPal handled my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
On XX/XX/year>, I paid {$150.00} in full for services under visit # XXXX, as documented in prior correspondence. 
On XX/XX/year>, I was contacted by Harris & Harris Ltd. attempting to collect on this already-paid account. I later learned that while the agency did not report the debt to credit bureaus, it still retains my personal information and was never notified by you that the debt had been paid. 
This is unacceptable. The account was paid before referral, making the collection activity improper. The continued retention of my data creates risk of future wrongful collections, data breaches, and unauthorized use. I have spent considerable time and energy resolving a matter that was the result of your administrative error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing the late payment reported on my credit profile, which is inaccurate and misrepresents my history of consistent, timely payments. This false entry unfairly damages my credit standing and does not reflect the reality of my payment behavior.

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 2025-09-17 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: 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. 

Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: MI

Complaint narrative:
On XXXX XXXX I submitted a letter to all three credit reporting agencies stating that there were fraudulent accounts reporting on my report. I quoted the law XXXX XXXX. XXXX ( FCRA Section XXXX ) and requested the accounts be removed in XXXX business days. It has been more than XXXX business days and they have not removed it so this is a follow up demanding the removal of the negative accounts before I escalate this to the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
SUBJECT : Chain of Custody Fraud PLEASE READ THE CITIBANK CASE FILES IN SEQUENCE ( Each file is numbered and titled for clarity. Volumes build upon each other and are best understood in order. ) This is Volume XXXX of a XXXX, XXXX documented sequence outlining systemic misconduct by Citibank. 

Citibank claims it returned a {$4000.00} check to XXXX XXXX in XX/XX/XXXX, yet also claims it re-presented the same check in XXXX XXXX. XXXX confirms the check was never returned, never received, and never rejected. Either Citi lied about the return, or illegally retained the instrument. Which is 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 monetary relief
Consumer complaint received 2025-09-17 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT INQUIRIES : XXXX  - XX/XX/year> XXXX - XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: LA

Complaint narrative:
Im asking for a debt validation from the collection company.

To Whom It May Concern : This letter is being sent in response to a [ letter/phone call ] I received from your office.


Please be advised that I am requesting validation of the debt you claim I owe, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ).

Please provide me with the following : XXXX. The name and address of the original creditor. 
XXXX. The amount of the alleged debt, including an itemized accounting of fees, interest, or other charges. 
XXXX. A copy of any judgment, promissory note, or agreement bearing my signature where applicable. 
XXXX. Verification that your company is authorized to collect this debt in my state. 
XXXX. The date the alleged debt was incurred and the date of the last payment made. 
Until you provide proper validation of this debt, you must cease all collection activity and not report or verify it with any credit reporting agencies. 
Please note that any attempt to collect without proper validation is a violation of the FDCPA, and I will not hesitate to report such actions to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my states Attorney Generals office. 
I request all future communications regarding this matter be made in writing only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Credit Report Dispute Inaccurate Collection Reporting by Pro Collect Dear XXXX  Dispute Department, I am writing to formally dispute inaccurate information that appears on my credit report. The disputed account is being reported by Pro Collect with the original creditor XXXX XXXX XXXX  XXXX. 
Details of Disputed Account : Creditor : Pro Collect Original Creditor : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Reported Balance : {$0.00} ( Paid Collection ) Reported Status : Derogatory I dispute this account because it is being inaccurately reported as a derogatory/collection item despite being paid in full. The account shows a {$0.00} balance, and the remarks clearly state Paid Collection. Since the debt has been fully satisfied, I request that XXXX  remove this collection entry from my credit report as it is misleading and continues to negatively impact my credit standing. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or incomplete information. I kindly request that this matter be investigated and the inaccurate entry be corrected or removed entirely. 
Please provide written confirmation of your investigation results and the steps taken to correct my credit file. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX SSN ( Last XXXX Digits ) : XXXX Date of Birth : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting a dispute regarding accounts that were fraudulently reported under my name. I have no knowledge of these accounts and did not authorize them. Their inclusion is false, misleading, and has caused measurable harm to my credit standing and financial reputation.

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 2025-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
On XX/XX/2025 I attempted to make a large payment through Nelnet to cover the interest accrued on my student loans before the XXXX deadline from graduation, when the interest would then be applied to my principal balance. I submitted a payment of {$13000.00}. I downloaded a confirmation of this payment and could also see the payment in my Nelnet account, but the money never left my bank account. After approximately XXXX weeks, I submitted a message through Nelnet 's help page attempting to determine why the money had not left my account so that the issue could be resolved before the interest was added to my principal balance. I never heard back, and on XX/XX/2025 I was notified that my interest was not paid off, and that the sum had been added to my principal balance. I called Nelnet and was disconnected twice before a customer representative notified me there was nothing they could do to help now that my principal balance had changed. I was also told that they had no way of verifying or tracking the message I sent through their help portal in the weeks prior. I was then put in touch with a supervisor named XXXX. I explained the situation to her and requested assistance in getting the funds appropriately settled to cover the interest and have it removed from my principal balance. Initially I was told that nothing could be done, until I notified XXXX that I would be proceeding with a complaint to the CFPB. I was then told I would have to resubmit the payment and that the supervisor would look in to the issue, but that I was not allowed to have the full name, phone number, or email of this supervisor in order to follow up on the matter. On XX/XX/2025 I made a payment of {$14000.00} to cover the initial interest amount as well as my first month 's scheduled payment on the loan to satisfy Nelnet 's demands. On XX/XX/2025 I was contacted via phone by XXXX from Nelnet and was told that nothing could be done to remedy the situation despite making this large payment and supplying proof of my attempts to pay the interest well before the deadline. XXXX told me that it should not matter because I made a payment either way, but now that my principal balance is significantly higher than it would have been had this payment been processed appropriately, I will pay thousands of dollars extra in interest over the lifetime of this loan. When I explained this to Nelnet 's representative, I was told the matter was settled and nothing further would be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Dear Sir or Madam, I am filing this complaint under the Real Estate Settlement Procedures Act ( RESPA ) and the Equal Credit Opportunity Act ( ECOA ) regarding the conduct of Shellpoint Mortgage Servicing. 

In XX/XX/XXXX, I requested a payment deferral with Shellpoint due to temporary financial hardship. I was instructed to submit documents including a hardship letter, the Uniform Borrower Assistance Form, bank statements, explanations for deposits over {$1000.00}, and a signed IRS Form XXXX. I submitted all documents promptly. Over a XXXX review period ( XXXX XXXX ), I was assured my account would not be considered delinquent and that negative credit reporting would not occur. 

Despite this, Shellpoint denied my request after XXXX months without clear explanation, reported my account XXXX, XXXX, and XXXX  days late to all three credit bureaus, and placed me on a repayment plan after misleading me into believing non-payment would not hurt my credit. These actions have damaged my credit, preventing me from refinancing my home which I am needing to do so because of the hardship I am going through still. 

Violations : - RESPA : Failure to handle loss mitigation and payment deferral requests with transparency and good faith. 
- ECOA : Failure to provide a proper written explanation for denial of credit-related assistance. 

Requested Remedies : XXXX. Removal of late payments for XXXX XXXX from my credit reports with XXXX, XXXX, and XXXX. 
XXXX. Written explanation for denial of my deferral request despite full cooperation. 
XXXX. Assurance of no further negative credit reporting from this matter. 

Supporting documentation attached includes : - Original hardship request letter - Submitted assistance documents- Shellpoint communications- Formal RESPA/ECOA complaint letter dated XX/XX/XXXX - Evidence of credit reporting I request urgent oversight and enforcement action to ensure compliance with RESPA and ECOA and to remedy the damage caused to my credit. 

Sincerely, XXXX XXXX XXXX Account # : XXXX Phone : XXXX Email : 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 2025-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Unauthorized access to my credit report by multiple companies has caused direct harm to both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, as the inquiries remain on my report. This failure to act is unacceptable. The continued presence of these potentially fraudulent entries is alarming and strongly indicates possible identity theft.

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 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
CREDENCE RM XXXX XXXXXXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM AND XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief