vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 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: SC

Complaint narrative:
XXXX XXXX XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX DC XXXX -- - Subject : Formal Complaint Regarding FCRA Violations and Inaccurate Credit Reporting To Whom It May Concern, I am filing this complaint under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ) and the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ), concerning the ongoing and willful failure of the following credit reporting agencies and furnishers to correct inaccurate, unverifiable, and misleading information on my consumer credit reports : Equifax Information Services LLC Experian Information Solutions , Inc . 
TransUnion LLC XXXX XXXX XXXX XXXX XXXX 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 2025-06-21 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I already disputed this here with the CFPB. Even though it could take up to 60 days with the CFPB, Fair Collection & Outsourcing has to have a solution within 30 days. It's past the XXXX mark. This debt was also due to a medical emergency. 
I disputed this account and nothing was sent to me to legally verify this account. 
This has already damaged my credit and rental history which has stressed me really bad. I can not move to acquire a place to live at this time that will be more affordable for my family.

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 2025-06-21 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:
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, 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 2025-06-21 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-06-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
In XX/XX/year>, my mom was contacted, saying that I broke the law and I must call them. They impersonated a person in law enforcement telling me that I was doing illegal things and they gave false accusations, including that I gave a fake bank when in reality, there was no money because I had no employment. 
And I was homeless which I told them. as I had moved XXXX times prior to living with my mom.. 

A few weeks after that still in XXXX, my father and XXXX were both contacted. And I haven't even lived with them since I was XXXX years old, and they were given the impression that I was running from the law I got a call on XXXX XXXX  from someone saying that they were going to seize my money and freeze my bank account also impersonating government personals .. That day, my ex-boyfriend got a call of people looking for me.This is beyond harassment. somehow this got to him, no one has my new phone number.there has to be violation as going through my call logs. If they can go through my call logs, I feel that they can see That I have no job, and no permanent.Address. 
I'm also not able to work because of XXXX. These people are evil and careless. To know my situation. When I had a job, I paid when I was unemployment, I still paid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This complaint serves as an update to my existing complaint. I have contacted Wells Fargo to request loan documents, which I have not received. 
In my last conversation with a Wells Fargo representative, I asked for clarification on the following : Why did Wells Fargo report to the CFPB that my case was withdrawn based on my request? 
Why haven't I received the loan documents I requested? 
Additionally, concerning the loan payoff, Wells Fargo acknowledged that the pre-penalty should not have been included in the loan payoff, created a new payoff document, removed the prepayment penalty, and replaced it with a different charge category? 

The Wells Fargo representative was not able to answer any of my questions. Wells Fargo 's escalation department employees are tasked with giving customers a runaround while reading over an arduous, nonsensical script they don't even understand. Their job is to bully customers in the hopes that they become disheartened and drop the case against Wells Fargo. 

The escalation department offered me {$270.00} for the trouble they had caused. I responded by saying that the offer is moving in the right direction ; I will accept their offer at {$27.00} XXXX for the troubles they have caused me. 

Almost all low-rate attorneys work with or for Wells Fargo . All very good attorneys are expensive, and I can't afford to hire one to fight my case. I have been persistent in my pursuit of justice against Wells Fargo 's predatory and unethical business practices, which have negatively impacted my life. 

I am XXXX XXXX XXXX. I worked hard and contributed to society. I employed people, put XXXX XXXX  through schoolone became a doctor and the other went into technology. Financially, I had planned well for my future and retirement. All of that changed between XXXX and XXXX due to Wells Fargo committing unforgettable financial crimes against me. I plan to fight tooth and nail until I die to seek justice against Wells Fargo.

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 2025-06-21 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: MS

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing a formal dispute regarding multiple unauthorized hard inquiries that appear on my credit report. These inquiries were not initiated or authorized by me, and I believe they may be the result of identity theft or improper use of my personal information.

Under 15 U.S. Code 1028A, aggravated identity theft is a federal offense that involves the knowing and unlawful use of another individuals means of identification in connection with certain crimes, including fraud. These hard inquiries reflect potential violations of this
statute, as my personal information may have been used without my knowledge or consent. 

Disputed Inquiries Include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these companies to access my credit report, apply for credit, or open any accounts. I am requesting a full investigation into how these inquiries were initiated and demand their immediate removal from all credit reporting agencies.

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 2025-06-21 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: AL

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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
On XX/XX/year> I contacted the company to pay the debt owed. I paid the debt while on the phone XX/XX/year>. We came to an agreement I asked Portfolio Recovery to send me an email stating once paid they will contact the bureaus to delete the debt. Debt is now reporting as closed instead of deleted. That wasnt part of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: MRS BPO, LLC
State: TX

Complaint narrative:
They sent a text message at XXXX PM on XX/XX/year>XXXX XXXX

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 2025-06-21 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a dispute regarding inaccurate and unverifiable collection accounts currently being reported on my credit report by XXXX XXXX XXXX and XXXX XXXX XXXX. These accounts contain errors that are negatively affecting my credit profile, and I request a formal investigation into these matters. 

Below are the details of the disputed accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Status : Collection account reported as {$1100.00} past due as of XX/XX/XXXX Issues : I do not have any recollection or documentation of this debt. 
Payment history inconsistencies noted in XXXX ( missing months, unclear reporting ). 
No proper verification or documentation was provided by the reporting agency to substantiate this debt. 



XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Status : Collection account reported as {$3600.00} past due as of XX/XX/XXXX Issues : The account shows irregular and incomplete reporting history ( missing months, inconsistent collections ). 
I have no record of owing this debt, and no valid validation notice or contract has ever been provided. 
This account does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ).

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aldous & Associates, PLLC
State: MI

Complaint narrative:
I received a letter on XX/XX/2025 from XXXX XXXX XXXX  after applying for tenancy notifying me that my application had been denied due to " High level of Charge-offs ''. This is when I was informed that it was a specific charge off with my former proprietor at XXXX XXXX. Immediately after, on XX/XX/2025, I sent a payment via certified mail for {$120.00} to XXXX XXXX XXXX. I spoke with the accountant after she received the payment asking if she would contact Aldous & Associates P.L.L.C. to remove the item from my credit report and/or correct the information showing that it had been paid. She agreed that she would call them to ask them to remove it. 

Afterwards I applied to XXXX XXXX XXXX and my application was again denied for the same reason. The property manager informed me that the date listed by Aldous & Associates as being effective since XX/XX/2025. And before this, I received a letter from Aldous & Associates, as my file was placed with them at XXXX XXXX, and they sent me a physical letter to that address that was on file. This is also after they contacted me and asked me to pay the debt to them. 

On XX/XX/2025 my mother called and spoke with XXXX who stated that he was the supervisor for this office. She explained to them that I had already paid this debt and had the supporting documentation, including a second letter from the accountant for XXXX XXXX stating that she has asked them to remove this twice. Even after stating this XXXX attempted to solicit the payment because " I didn't pay it to them '' even attempting to negotiate the price down to {$75.00} when I spoke with them. 

My mother told him that it sounded like " simple extortion '' and that she would do what was necessary to obtain legal remedy to this situation. He then stated that he could not talk to her anymore because she was threatening to take them to court. 

On XX/XX/2025 my mother received a letter from an attorney for this company identifying himself as XXXX XXXX XXXX pronouned XXXX ) asking her to identify herself and her credentials as he was under the assumption that she was a lawyer representing me. Even though she was clear to XXXX that she was my mother. 

She has explained the issue to him and asked him to correct their error as they are prohibiting me from obtaining housing for my XXXX son and myself. This is being done with malicious intent and if they are doing this to me then they have or will do it to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a complaint about my unsecured credit card changed to secured card and Citibank has to refund {$2500.00} deposite to me I kept calling their customer service and be told to wait since XX/XX/XXXX, XX/XX/XXXX they suddenly told me my check {$2500.00} was issued on XX/XX/XXXX and cashed oit by someone somewhere sometime they dont know. Told me to wait for a form what will be sent my mail to fill out only then they will start look into this matter which I waited and never get any mail! Only got the form today via reply to XXXX complaint! 

XXXX. The company did not refund my deposite and they cashed my {$2500.00} check to some random person who signed " XXXX XXXX " on back of the check which is not my name! ( I only see it on their response today ) XXXX. The only sent me a form to fill out so they will further look into the matter and didnt give me date line as of when I will get my money back. 

I will have to file another complaint in the future as matter is not solved and no help recieved to me, I dont know why I have to wait months just to fill out a form which the system has all info and the check is obviously cashed out illegally by different name XXXX signature???!!!

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 2025-06-21 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed 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 non-monetary relief
Consumer complaint received 2025-06-21 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed 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 non-monetary relief
Consumer complaint received 2025-06-21 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:
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 XXXX 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 XXXX 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