vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Subject : Request for debt validation of information Dear : I C SYSTEM INC I am writing to formally dispute the accuracy of the information you are reporting regarding the debt listed below. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request validation and verification of this debt to ensure its accuracy. 

I currently have a collection of {$180.00} dollars on my XXXX from this company and I have no knowledge of this debt or any connection to this debt. 

Under the Fair Credit Reporting Act ( FCRA ) I am now exercising my right to request the assignment contract for this debt because I did not give permission to the collection agency to report this debt on my credit file. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of inaccurate invalidated credit information.

I am requesting that you provide the following information to verify the accuracy of this debt : 1. A copy of the agreement or contract with the original creditor that establishes the debt.

2. Documentation of all payments made, including dates and amounts, and how the balance was calculated.

3. Proof that you are legally authorized to collect this debt.

4. The date of first delinquency and the date the account was last active. 

If you are unable to verify the debt, I request that you cease collection efforts and remove any inaccurate information from my credit report. Please be aware that failing to provide accurate information or reporting unverifiable debts violates the FDCPA and FCRA.

Additionally, if you continue to report this debt to credit reporting agencies without proper validation, it may constitute a violation of my consumer rights, and I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Please respond to this request in 30 days as required by 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 2025-04-01 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-01 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: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/1987 My correct Social Security XXXX My correct address is : 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 2025-04-01 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: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/1987 My correct Social Security XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: NC

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, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I lost my job I was upside down In the loan I paid over amount car was worth

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: SC

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It's been a month since I lodged a complaint with these Bureaus, yet the incorrect information on my report remains unchanged. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they thoroughly looked into the inaccuracies? What measures did they take to confirm the accounts? This whole situation is quite frustrating, particularly since more than 30 days have passed since I submitted my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: RSH & Associates, LLC
State: MO

Complaint narrative:
I am writing to formally address the illegal reporting practices I have encountered, and I will be submitting a complaint to the attorney general regarding this matter. 

The debt in question has been reflected on my credit report for over a decade, as RSH & ASSOCIATES LLC continues to report the same collection while altering the date. This letter serves as my official request for you to provide evidence that I owe the alleged debt you claim. 

I require proof of the collection accounts you reference. According to the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is obligated to send a written validation of the debt owed within five days of their initial communication with a consumer. As of XXXX XXXX  RSH & ASSOCIATES LLC has refused to send me validation of any collection. This is again my formal request. 

Please send the requested documentation to my email at XXXX. 

Additionally, I will be forwarding a copy of this request and my complaint to the attorney general 's office. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately.

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of
late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file. 


Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

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 2025-04-01 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: TX

Complaint narrative:
I made a mistake after I paid my insta cash for the month of XX/XX/year>. In haste I borrowed money out of my insta cash for the month of XX/XX/year> which is usually due at the end of the month of XXXX, but to my shock after totally repaying for the month of march, I realized that the instacash I borrowed was due XX/XX/year> at the beginning of the month, only a few days after I paid the previous month off. This is a greedy, heartless corrupt tactic that this company uses against it's clients. The app is inconsistent with its automated due date system and it is programmed to deceive their clients in to relaxing their concentration when borrowing their instacash right after paying off the previous month. Moneylion has put me in a bad position for the month of XXXX because I do not have the money and I get paid at the end of the month. I spoke to their customer service and they are very unsympathetic and extremely impatient, their customer service told me that all they can offer me is to defer the due date by 14 days and I'm very unsatisfied with that and I'm reporting them for their terrible corruption in their app system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I'm not positive about this date but around XX/XX/XXXX I reported to the bank that my debit card had been lost or stolen at that time they close that card ending in number XXXX and issued a new card to me. 
On XX/XX/XXXX XXXXXXXX XXXX XXXX made a request for {$2900.00} on the card ending XXXX. As soon as I saw this on my phone on my account I called the bank and told them this was fraud one I did not authorize this amount to the card is already closed. I called the bank back on XXXX  XX/XX/XXXX spoke to someone in the fraud department they sent me to the claim department XXXX department informed me that it had dropped the claim because they couldn't prove said they had sent me request for information which I never received I asked her what information she said it's too late now now my checking account is overdrawn almost {$3000.00} how do I fix this I am on social Security I don't know what to do.

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 2025-04-01 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: OH

Complaint narrative:
Hello, this accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. Do anything necessary to remove them from my report. Please..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: BSI Financial Holdings, Inc.
State: NC

Complaint narrative:
On or about XX/XX/XXXX, I took a forbearance on my XXXX  XXXX  for my primary residence due to XXXX XXXX. On or about XX/XX/XXXX, I, via phone call, extended the forbearance by 1 month. Unable to pay the lump sum due on XX/XX/XXXX, I filed a loss mitigation application on XX/XX/XXXX, over the phone. I was informed during that phone call that the application was complete and would be sent to underwriting to process. I was asked to give them a few weeks to process the application. On or about XXXX XXXX, I called to inquire about the progress of the application. During this phone call with XXXX XXXX, my " Single Point of Contact '' I was informed that the previous agent I had spoken with did not complete my application and it had not been filed. With XXXX XXXX I completed that application over the phone at that moment. I confirmed with XXXX. XXXX multiple times that the application was indeed complete on XX/XX/XXXX. I called back on XX/XX/XXXX and again, confirmed with another agent that the application was complete. I was asked again to give them up to 30 days to process the application. As of the date of filing this complaint, the loss mitigation application has still not been processed. Many times, when I call BSI 's main customer service number ( XXXX ) I receive an error message stating the call can not be completed. Otherwise, I have called BSI nearly twice a week if not at least once a week and every time I am told that the application is still processing. When the processing time reached one month, I was told it would take 2 months, now that it is approaching 2 months, I am being told it will take 3 months. I have been told multiple times that underwriting will be contacted regarding my application specifically due to a " longer than usual '' processing time and that my single point of contact will be in touch with me in regard to what underwriting has to say. My single point of contact has only reached out to me in response to this XXXX time, to which she told me " It's still processing '' I can not get through to anyone with actual answers as to what is going on with my loss mitigation application. I was advised after XX/XX/XXXX to not make payments on my mortgage as any loss mitigation resolution would make my account current at that time and that payments would only go to my past due balance and not go towards the current month. I am now approaching 6 months behind when the application was filed just before 90 days past due, and I am still not receiving any communication from BSI regarding my loss mitigation other than " It's Processing '' I want the Loss Mitigation application completed so I can resume monthly payments and have peace of mind that BSI is not attempting some devious method of foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It's been a month since I filed a complaint with these Bureaus, and the wrong info on my report is still there. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they actually looked into the inaccuracies? What did they do to check the accounts? This whole thing is super frustrating, especially since it's been more than 30 days since I reached out.

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 2025-04-01 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: VA

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, CHALLENGED OR NOT.

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 2025-04-01 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: FL

Complaint narrative:
Subject : Second Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 To Whom It May Concern, I am writing in response to your recent notification that the charge-off on my credit report has been verified. After reviewing the results, I still believe that the charge-off reported under XXXX XXXX XXXX inaccurate and requires further investigation. I previously disputed this entry with you, citing that the charge-off was incorrect, and I asked for an investigation in accordance with the Fair Credit Reporting Act ( FCRA ). However, your response to my dispute does not resolve the issue and fails to provide adequate evidence to support the charge-off 's validity. Under FCRA Section 1681b ( 2 ), information reported about me must be accurate. Additionally, Section 1681b ( 5 ) requires that any consumer report information must be used with a permissible purpose and must be accurate. It appears that the information provided by XXXX XXXX XXXX still be erroneous, as I have not been provided with clear documentation or verification of this charge-off. Furthermore, Section 611 of the FCRA mandates that, upon a dispute, an investigation must be thorough and completed within 30 days. Given that my initial dispute was not resolved satisfactorily, I am requesting that you reinvestigate this charge-off entry with greater care and attention to the accuracy of the reported data. I request the following : Proof of verification from the creditor that substantiates the charge-off entry, including account statements, payment history, and any supporting documentation. 
If the creditor can not provide satisfactory evidence that this charge-off is accurate, I request that the charge-off be removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Issue Type : Payment Services Virtual Currency or Online Payment Services Description : PayPal has permanently limited my account, which is essential for my business operations, citing security reasons. However, despite multiple attempts to seek clarification, including contacting their Deactivation Queries department, I have not received a specific explanation or guidance on how to resolve the issue.

I am requesting a thorough, manual review of my account by a senior representative and a detailed explanation of the exact reason for the limitation. I am fully willing to provide any necessary documentation to address this matter.

PayPals lack of clear communication and refusal to provide adequate details violates my consumer rights. Therefore, I am escalating this complaint to the CFPB to ensure a fair and transparent resolution.

Company response to consumer: Closed with explanation