vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
DEBT VALIDATION LETTER XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : This letter is being sent to you in response to a bill that was received on XX/XX/year>. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX XXXX CEASE AND DESIST I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: MoneyLion Inc.
State: PA

Complaint narrative:
Moneylion provided cash advance which required a fee and process fee. The cash advance was provided and set to pay at next monthly pay distribution. However in the month of XXXX, their system changed to date of repayment to XX/XX/XXXX instead of XX/XX/XXXX, which was the original contract agreement mad between I and the Moneylion creditor. This caused a reduction in the amount of loan amount built by my on time payments, so the payment amount was {$750.00} which was paid, but the available amount provided by Moneylion was reduces from XXXX to XXXX. So I have been injured financially by XXXX or more, because of the system setting incorrect direct deposit date.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: LA

Complaint narrative:
Im filing a complaint Discover has repeatedly called me almost everyday starting XX/XX/year>2025 and at this point it is harassment. I have proof from my call log. All of the days and times are : XX/XX/year>2025 XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/scrub>/2025 XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/year>2025 XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/year>2025 XXXX ( XXXX ) XXXX XXXX XX/XX/year>2025 XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/scrub>/2025 +XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/scrub>/2025 XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/year>2025 XXXX ( XXXX ) XXXX XXXX XX/XX/scrub>/2025 +XXXX ( XXXX ) XXXX XXXX XXXX XXXX/XXXX/2025 XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/scrub>/2025 +XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/year>2025 XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/year>2025 +XXXX ( XXXX ) XXXX XXXX XX/XX/scrub>/2025 XXXX ( XXXX ) XXXX XXXX XX/XX/year>2025 +1 ( XXXX ) XXXX XXXX XXXX XX/XX/year>2025 +XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/year>2025 XXXX ( XXXX ) XXXX XXXX XXXX Between XX/XX/year>2025 and XX/XX/scrub>/2025, Ive been called a total of 17 times by Discover. 

According to Regulation F of the Fair Debt Collection Practices Act ( FDCPA ), a debt collector may not call a consumer more than seven times within a seven-day period about a particular debt. This regulation also prohibits calling more than once per day without direct engagement from the consumer.

This pattern of communication violates those limits and is emotionally distressing. I have not consented to this frequency of communication, and I consider it to be aggressive and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I received a threatening letter from Midland Credit Management regarding an old credit card debt collection from XXXX on XX/XX/XXXX. On the letter, it stated that I owe {$1000.00} and if they do not hear from me or receive payment by XX/XX/XXXX, then they will pursue legal action in the state of XXXX 

On the instructions to stop the process, it stated that I should call XXXX to speak to an Account XXXX to hear my side of the story and they will work with me to get this resolved voluntarily. 

It also stated that I can setup a long-term payment plan at MidlandCreditXXXX So, I contacted their hotline on XX/XX/XXXX to speak with an Account Manager to resolve the matter by getting a payment plan.

The Account Manager was very rude and aggressive and said they either need the payment in full today or at least 30 % of the balance owed, which is {$320.00}. 

I tried to explain to the Account Manager that I didnt have any money available today due to all of my bills being paid today for the XXXX of the month, but I was willing to cooperate with them if they allowed me to pay the 30 % at a later date. 

Then, the Account Manager kept completely ignored my payment plan request and demanded the money now or else their attorney will seek legal action, and I will owe a bunch of court fees on top of the owed balance. 

Please note that this credit card debt collection has already been charged off as of XXXXXX/XX/XXXX. The last time I checked, if an account has already been charged off, then I should not be held liable to pay for this debt to the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHECKredi of Kentucky, LLC
State: AZ

Complaint narrative:
On XX/XX/year> Circles K stores states that they attempted to collect {$5.00} from an easy pay charge from my account but were unsuccessful. Easy pay is a card that you can use at their stores and its connected to my personal account. They also state that on XX/XX/year> since they could not withdraw the {$5.00} charge, they put my account on hold and stated they were charging me an overdraft fee of {$25.00} because they could not collect these funds. However, there were funds available. I spoke with them and canceled my account because i offered to pay them the original charge and they said that could not waive this fee, even though i advised them that they still could have charged me because i have a {$50.00} overdraft limit. Now XXXX to today and they have not only charged me this fee THEY ALSO OVERDREW my account. So why didnt they just overdraw for the {$5.00} like they did for the {$25.00} dollars??? This is a scam. My bank doesnt even charge overdraft fees but this company insists they got charged. I am reporting this because i will most likely file a civil suit as well and this is wrong of them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-05-30 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-05-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I contacted XXXX  after fifndout out I was a victim of identity theft. I asked them how to submit the disputes and they havent clearly told me what to do. I shouldnt even be in the XXXX  this is all from fraudulent activity I didnt authorize or benefit from. Id like this information removed from my credit its preventing me from obtaining things I need

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 2025-05-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I contacted XXXX  after fifndout out I was a victim of identity theft. I asked them how to submit the disputes and they havent clearly told me what to do. I shouldnt even be in the XXXX  this is all from fraudulent activity I didnt authorize or benefit from. Id like this information removed from my credit its preventing me from obtaining things I need

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am sending this complaint to Experian regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified.

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This compl

aint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. I request that these accounts be complete
ly removed from my credit report. Please take immediate action to delete 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 2025-05-30 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: MA

Complaint narrative:
Hello everyone, I recently review copy of my credit report and I noticed that I have fraudulent account on my report, Please remove those account from my report, this is not letting me get new credit line and Im currently working on get my house for better future. I will really appreciate it. 

Best, 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 2025-05-30 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: IN

Complaint narrative:
XXXX is reporting a {$1000.00} installment loan as charged off on my credit report. However, I never received any loan funds or disbursement. I believed I was signing up for a credit builder product, where I would make regular payments to build credit, not receive a loan. 

I disputed the account through Experian, but it came back as verified, with no evidence provided to support disbursement of loan funds. I have checked my personal bank records and never received any deposits or access to this loan. I believe this account is being misreported as a defaulted loan when no money was ever issued to me. 

This is inaccurately harming my credit and reducing my access to critical financial tools like auto financing. I am requesting either verified documentation of loan disbursement ( account and transfer information ), or full removal of this account from my credit reports. 

Thank you for your help in resolving this matter.

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 2025-05-30 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: TX

Complaint narrative:
The account with XXXX XXXX XXXX starts with XXXX has not been changed and will remain on your credit report

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 2025-05-30 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: MA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-05-30 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: MI

Complaint narrative:
I am submitting this complaint regarding an account that was furnished to the consumer reporting agencies ( CRAs ) and continues to be reported despite serious discrepancies in the validation and verification process. The creditor in question provided the following as verification in response to my dispute : ( 1 ) a digital signature, ( 2 ) a copy of my photo identification, and ( 3 ) an IP address allegedly associated with the application. 
However, I have confirmed that the IP address used to execute the digital signature does not belong to me, nor was it associated with any of my known devices, networks, or locations. This discrepancy raises a significant concern regarding the authenticity of the application and the possibility of identity misuse. The presence of my ID alone does not substantiate authorization or intent, especially in the absence of a matching IP log or geolocation evidence that confirms I submitted the application. 
This reporting violates several provisions of the Fair Credit Reporting Act ( FCRA ) : - 15 U.S.C. 1681e ( b ) : The duty to maintain maximum possible accuracy has not been met given the questionable attribution.- 15 U.S.C. 1681i : My dispute was not reasonably reinvestigated ; evidence with critical mismatches was accepted without scrutiny.- 15 U.S.C. 1681s-2 : The furnisher failed to verify the legitimacy of the data before furnishing it to CRAs and refused to correct or remove it despite being notified of the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This letter serves as a follow-up to my previous complaint submitted last month regarding a fraudulent account that has been incorrectly reported on my credit file. I am reaching out once again to formally request your assistance in filing a complaint against PORTFOLIO RECOV ASSOC for their continued failure to address this matter appropriately. 

Account in Question : Creditor : PORTFOLIO RECOV ASSOC Account Number : XXXX XXXX XXXX XXXX XXXX Balance : {$380.00} I have strong reason to believe that this account was opened fraudulently using my personal information. I did not open, authorize, or consent to the creation of this account, and its presence on my credit report is both erroneous and harmful. 

Despite several attempts to resolve this matter directly with PORTFOLIO RECOV ASSOC, they have failed to investigate or take corrective action. I have disputed this account multiple times, yet it continues to remain on my credit report, causing unjustified damage to my creditstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TX

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Over a month ago, I found several inaccurate and unverifiable negative on my credit report. On XX/XX/year>, I contacted Transunion to perform another investigation into this matter. Its been way over 30days as per federal law and I have not received an response. I am filing this complaint with the CFPB, and requesting that the CFPB perform a full investigation under the FCRA into Transunion and their credit reporting practices and investigation process.

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 2025-05-30 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief