vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$13000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I Had a XXXX. XXXX XXXX. I Lost My Job In XXXX .. Do To Trump Tariffs.. They Repo. The SUV In XXXX.. I Got The SUV In XXXX.. They Repo In XXXX Of XXXX.. So It Was Financed Through. AMERICAN CREDIT ACCEPTANCE .. Out Of XXXX XXXX MI.. But They Sold The Company To Some Other Company. Now They Want Me To Pay Them Over {$7.00}. For The XXXX .. And They Put Me In The Credit Bureau XXXX They Got The XXXX Back.. OMG.. Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I got an auto loan via XXXX around XX/XX/XXXX through a company called Exeter finance. Unfortunately, due to some health issues I was no longer able to make the payments on my car which resulted in getting repossessed around XX/XX/XXXX. The car was repossessed in the account was charged off around the same time. The car was then sold after being repossessed and my balance for the car went down, but it was marked as charged off, and the account was closed for whatever reason the Exeter finance has continued to reopen and re-close my account for the past year and a half up until now in XX/XX/XXXX, causing my credit score to constantly go down. It has been reopened and closed. I wan na say maybe every 2 to 3 months since it was officially closed and charged off around XX/XX/XXXX this has caused my credit score to constantly go down because its being marked as a new debt every time they close the account and reopen it. I looked into this and it has been said that it is called debt re-aging, which I heard is illegal because it increases the timeline for the debts to fall off based on when the account was reopened and closed. This is caused me great turmoil as my credit score has dropped over XXXX points because of the reopening and closing of this singular account which was officially charged off over a year ago. Every time I try to dispute this situation, Exeter finance decides to reopen my account, almost retaliatory, which causes my squirt to go down, which prevents me from doing things like getting a loan getting a new apartment and just advancing in my life in general. I dont know what to do. Ive contacted them and they dont really have anything to say about that. Ive submitted dispute ofXX/XX/XXXXand credit karma and whatever other bureau I could find to submit a complaint in every time I do they just reopen my account a month later and then re-close it once again causing my credit score to drop dramatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/2025 Via Certified Mail Return Receipt Requested Name of Creditor / Collection Agency / Bureau Re : Formal Dispute and Cease-and-Desist Demand. 

To Whom It May Concern : I am writing to you in connection with the account ( s ) you are reporting and/or attempting to collect against me. This is a formal dispute and cease-and-desist notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Dispute and Request for Validation Pursuant to FCRA Section 609 ( 15 U.S.C. 1681g ) and FCRA Section 611 ( 15 U.S.C. 1681i ), I demand full disclosure of all records relating to the alleged account, including but not limited to : The original signed contract or agreement creating the obligation.

A complete chain of assignment/ownership, including bill ( s ) of sale, forward flow agreements, and custodial records.

Verification of the accounts current owner, including all chain-of-custody documentation.

Full payment history and double-entry accounting records from origination to present.

Copies of any IRS Form 1099-C if the debt was cancelled or charged off. 

XXXXXXXX XXXX and procedural logs showing how any prior disputes were handled. 

If you can not provide this information, you are required by law to delete this tradeline from all consumer reporting agencies to which you furnished it.

Cease-and-Desist Notice Pursuant to FDCPA Section 805 ( c ), 15 U.S.C. 1692c ( c ), you are hereby ordered to cease and desist all further collection efforts and communications with me, including telephone calls, emails, letters, or third-party contacts. 

The only permitted communications going forward are : Written confirmation that you are ceasing collection efforts.

Written notice that specific legal action has been initiated against me.

Any other form of contact will be treated as a willful violation of federal law and will be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Georgia Attorney Generals Office. 

Enforcement and Notice of Intent Failure to comply with these demands will result in further legal action, including but not limited to : Civil damages under FCRA 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ) ; Civil damages under FDCPA 1692k for statutory and actual damages.

Immediate filing of this letter and evidence with the CFPB as part of my pending complaints and federal lawsuit.

This letter is not a requestit is a lawful demand. Preserve all records related to this account as they are subject to subpoena and discovery in ongoing federal litigation. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, an
d the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/XXXX, I paid a video editor in XXXX using my PayPal Mastercard. The intended payment was {$120.00} USD, which at XXXX XXXX rate that day ( XXXX USD = XXXX XXXX ) should have been about XXXXXXXX XXXX Instead, PayPal processed the transaction as if I sent {$6000.00} USD, nearly 50 times the intended amount. 

Because of this error, PayPal has placed me in debt for {$5900.00}, which I never authorized. This is a severe financial burden, as I am now being asked to repay XXXX  of dollars for a transaction that should have been only {$120.00}. 

I contacted PayPal customer support repeatedly for over 30 days. Each time I was told the issue was escalated, but no action was taken. I also filed a case through PayPals Resolution Center ( Transaction ID : XXXX ) on [ XX/XX/XXXX ], which was closed the following day with a claim that the transaction was correct despite clear evidence of error. 

What I want : I request that PayPal immediately correct the transaction to the intended {$120.00} USD, remove the {$5900.00} debt from my account, and provide written confirmation that my account is clear. 

Attached are documents showing the exchange rate on the date of the transaction, my original payment intent, and PayPals incorrect processing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
I have disputed this collection debt numerous times. It continues to come back verified based on public information which is NOT FACTUAL Based on OBVIOUS FACTORS. Now I am supposed to go to court because of this? With NO information about this other than a response on CFPB from the collection company stating the collection is now in the hands of an attorney. I was informed court was set for a certain date but I was NOT served anything, OR received any written notice about being sued etc. I have now received a demand letter from the attorney once I contacted them and IT DOESNT EVEN HAVE MY CORRECT NAME, INCORRECT DATE OF WHEN THE AMOUNT CLAIMED TO BE FIRST OWED plus more errors. That is a violation of my consumer rights. None of the information I requested was furnished accurately or at all. This account needs to be removed from my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: CA

Complaint narrative:
TransUnion has my birth year listed as XXXX when I was born in XXXX. This appears to be mixed with my sibling 's file ( same address, similar name ). I called TransUnion today ( XX/XX/XXXX ). and spoke witha supervisor who refused to correct this obvious clerical error, demanding mailed documents, unable to explain the criteria for which I am 'uneligible ' to file a complaint online. Further, he could not given certainty that my documents would even be " looked at ''. To even get connected with an agency, I had to spend ~45 minutes speaking with a robot entering my personal, confidential information. I was also asked my SSN multiple times by different people. When I questioned TransUnion 's legal obligation to ensure fair & safe credit reporting, and the fact that this is a very critical issue with my infmation, they did not seem to care nor follow their legal responsibility whatsoever. This violates FCRA requirements for accurate reporting and reasonable dispute procedures. I need this corrected immediately as it's creating identity confusion. The month/day are correct, only the year is wrong - a simple fix they refuse to make. I have been more than willing to provide any and all documents they need electronically. I am not going to mail documents to them, which they said will take a minimum 90 days, and can't given certainry on " if they will even be looked at ''. Very unethical, irresponsible, and certainly illegal.

Requiring 90+ days and physical mail to change ONE digit ( 2 to 5 ) while refusing electronic verification violates : 1. FCRA Section 611 ( reasonable reinvestigation procedures ) 2. Fair and accurate credit reporting requirements 3. Reasonable accommodation standards When I raised TransUnion 's FCRA obligations for accurate reporting, the supervisor dismissed these legal requirements. I offered to provide all documentation electronically- they refused. 

This error by TransUnion has created IMMEDIATE identity confusion and potential credit mixing issues. TransUnion 's absolute refusal to implement basic, standard, electronic verification for obvious clerical errors is unreasonable and illegal.

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 2025-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing to address the recent activity on my credit report account, CBNA XX/XX/XXXX {$830.00}, which has been flagged as fraudulent. Unfortunately, I am a victim of identity theft in the XXXX data breach, resulting in unauthorized transactions and accounts being opened in my name. This has significantly impacted my credit score and financial standing.

I have taken immediate action to report this issue and am working to resolve the matter. I am committed to clearing my name and restoring my creditworthiness. I kindly request that you take this situation into consideration when reviewing my credit report. 

Sincerely,

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: DC

Complaint narrative:
I closed my Discover Card account in XXXX. The account is still listed as open on my credit report. I have disputed the open account withXX/XX/XXXX I believe that Discover is failing to report account status because people closing accounts negatively affects their earnings and their share price. They are engaged in fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TSC Accounts Receivable Solutions
State: TX

Complaint narrative:
The company states I saw a dr on a fraudulent visit. The dr refused to see me since XXXX when my job ended and I had no insutance so i was forced to find a new XXXX to prescribe XXXX medications so I could not go withoit. So there is no way I visited in XX/XX/XXXX as the debt collector is saying. The debt colector is harassing me. I have repeatedly asked them to STOP CALLING ME. I have asked for written proof, CALLS STILL COME EVERY SINGLE DAY WITH A VM LEFT, AND THEY HAVE STILL NEVER SENT ANYTHING WRITTEN. ALL REPRESENTATIVES REFUSE TO PROVIDE FULL NAME OF THEMSELVES OR THE COMPANY. THEY JUST SAY THEIR FIRST NAME AND WITH TSC. I HAVE CALLED BACK TO ASK TO STOP CALLING AND HARASSING ME AND THEY WILL NOT STOP. IT IS ALWAYS THE SAME PERSON XXXX LEAVING VM DAILY. I WANT HARASSMENT TO STOP AS WELL AS THE FALAE INFORMATION BEING CORRECTED. AS WELL AS WRITTEN OR PRINTED DOCUMENTATION. Please help me. I did not know i can dispute it since when i call they just repeatedly ask me to pay over {$3000.00} instantly and dont give any info other than the visit in question is XX/XX/XXXX when i was under care of another neurologist for at least two years. The only reason for the switch at all of dr is because they refused to treat me if I pay out of pocket in full BEFORE each visit and only accepted payments for copay and insurance. The dr office they state i owe for a visit that NEVER happened literally refused to see me before my visit and told me this by phone call in XXXX when I call the dr office they stated it was, that office tells me I rid pay and they refused to see me and I do not have a balance so i am getting upset and harassed and its causing XXXX and panic attacks at this point and they literally refused to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent credit inquiries that have been reported on my Equifax credit report. Despite my efforts to resolve this issue directly with Equifax, the fraudulent inquiries remain on my credit file. 
The unauthorized inquiries appear to have been made by the following companies : XXXX Inquiry Date XX/XX/year> This is a fraudulent inquiry. Please Delete immediately. 

XX/XX/XXXXXXXX Inquiry Date XX/XX/year> This is a fraudulent inquiry. Please Delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> This is a fraudulent inquiry. Please Delete immediately. 

I did not authorize or initiate any of these credit inquiries, and I believe they are the result of fraudulent activity. I have taken steps to address this, including filing a report with the Federal Trade Commission ( FTC ), with the following FTC report number : XXXX Despite this, Equifax has failed to properly investigate or remove these inquiries, which is negatively impacting my credit report. I am requesting your assistance in escalating this matter to ensure that the fraudulent inquiries are removed from my credit report as quickly as possible. 

I would appreciate your support in holding Equifax accountable for its failure to act and help me resolve this issue. Please feel free to contact me if any further information is required. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: FL

Complaint narrative:
Ive tried to make a cashapp account but it wont let me do the identity when I put my social in it says account closed and Ive never ever made a cashapp account .. Im getting very upset because Ive tried calling but they said they cant do anything until I verify my identity but when I try to do it wont let me. It automatically closes my account .. so please understand that I need a cashapp account so I can get paid because if not Im just gon na complain to the company that if something happens like this and you cant make an account its ridiculous .. so please help me get into my cashapp account please and thank you .. Id appreciate it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: TN

Complaint narrative:
In XXXX, self surrender car. 
In XXXX  another car, self surrender Still showing amounts owed on both cars, totally {$50000.00}

Company response to consumer: Closed with explanation