vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: TN

Complaint narrative:
To Whom It May Concern, I am writing in response to a collection notice I received from your agency regarding an alleged debt with account number XXXXXXXX XXXX XXXX  This letter is sent in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, which grants consumers the right to dispute the validity of a debt and request verification. 
I am formally disputing the validity of this debt and requesting that you provide full verification of the debt as required by law. Until proper validation is provided, you must cease all collection activities, including reporting this debt to any credit reporting agency, as stipulated in 15 U.S.C. 1692g ( b ). 
Please provide the following information : The name and address of the original creditor. 
The amount of the alleged debt and a breakdown of any interest, fees, or other charges. 
Documentation that verifies I am legally obligated to pay the alleged debt. 
A copy of the original signed agreement, or other proof, that establishes the debt and your authority to collect on it. 
Proof that your agency is licensed to collect debts in my state, if applicable. 
Be advised that under the FDCPA, you are required to cease collection of the alleged debt until you have mailed me the requested validation. Continuing to pursue collection without providing this information is a violation of federal law and may result in a complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney General 's Office. 
This letter serves as a written notice of dispute. Please also consider this a request that you cease and desist from any further contact with me except for the purpose of providing the above-requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: FL

Complaint narrative:
I am submitting this formal complaint against Experian for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Experian with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent account from my credit report, as required by law. Specifically, the account in question include XXXX XXXX XXXX XXXX which XXXX XXXX XXXX confirmed would be removed but remains on my report. This is an identity theft-related and should have been blocked under 1681c-2 of the FCRA. 
Experians refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

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 2025-08-21 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: TX

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-21 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: TX

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates , LLC. On XX/XX/year>, I sent a request for validation of the alleged debt they are attempting to collect, in compliance with the Fair Debt Collection Practice Act FDCPA. Portfolio Recovery Associates , LLC received my request but failed to provide proper validation, such as a copy of the original contract, idolized payment history, or proof of their legal right to collect. 
Despite this, they have continued reporting the account to my credit bureaus and attempting collection. This is a direct violation of FDCPA 809 ( b ), Which requires collectors to seize collection activities until validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-21 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: TX

Complaint narrative:
It is very upsetting to see that unauthorized inquiries are still appearing on my credit report today. Even after refreshing, nothing has been fixed. I need this issue addressed immediately and ask that the documents I provided be properly examined so I dont have to deal with this again.

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 2025-08-21 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: TX

Complaint narrative:
It is very upsetting to see that an inaccurate account remains on my credit report today. I regularly monitor my report, and this time I was shocked to find errors that do not belong there. Refreshing my browser made no difference, as the unauthorized inquiry is still showing. I demand that the documents I provided be reviewed immediately so that I can put this matter to rest once and for all.

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 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Oliphant United, Inc.
State: PA

Complaint narrative:
Oliphant Financial has been reporting a defaulted personal loan in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have re-aged the account by changing the Date Opened/Placed for Collection to a more recent date instead of accurately reporting the Date of First Delinquency ( DOFD ). 
This practice is unlawful under : FCRA 605 ( a ) which limits reporting of collections to 7 years from the original delinquency date. 
FCRA 623 ( a ) ( 5 ) which requires furnishers to accurately report the DOFD to credit bureaus. 
By re-aging, Oliphant is misrepresenting the debts age and status, artificially extending the time it appears on my credit report. This amounts to a false statement and deceptive collection practice under both the FCRA and the FDCPA. 
This conduct causes significant harm by keeping an outdated, derogatory account active beyond the lawful reporting period. It is an intentional tactic to pressure consumers and is not an administrative error. 
I request the CFPB compel Oliphant to : Immediately correct or delete the re-aged tradeline from all credit reporting agencies. 
Cease and desist from further attempts to collect on this account using false or misleading credit reporting. 
Provide written confirmation of compliance with FCRA and FDCPA requirements. 
This is a clear case of illegal re-aging and misreporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
Please take action to delete these unauthorized accounts from my credit file. I neither approved nor recognized their origin. Under USC 1681g, I formally request their removal within 15 days. I have included the necessary documents for verification.

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 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
From XX/XX/XXXX through XX/XX/year> I had {$3200.00} dollars taken from my account from a XXXX XXXX company in many increments {$200.00} was the max amount at the time to as little as {$10.00} dollars. I reported it to Wells Fargo on the XXXX of XXXX and today I received a denial for my claim. But Wells Fargo did credit one back for {$100.00} dollars. If one was false wouldnt they all be?

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Southern Management Systems Inc.
State: NC

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for failure to properly validate a debt and continuing to report it to credit bureaus. 

I sent a written request for validation, but XXXX did not provide sufficient documentation to prove the debt is valid. Despite this, they continue to report the account, damaging my credit. 

This violates the FDCPA and the FCRA. I request immediate removal of the account from all credit bureaus, investigation of their practices, and enforcement of federal consumer protection laws. 

I have attached copies of my debt validation request, their response, and credit reporting evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nSSN: XXXXExperian, XXXX XXXXSubject: Credit Report Dispute  Request for Investigation\n\nTo Whom It May Concern,\n\nI am writing to dispute inaccurate information listed on my credit report. There is an account appearing under my profile that I do not recognize and believe may have been reported in error or may be the result of identity theft.\n\nDetails of the Disputed Item:\n\t\tCreditor/Company Name: Unknown\n\t\tAccount Number: Unknown\n\t\tReason for Dispute: This account does not belong to me. I am requesting that it be removed if it cannot be verified.\n\nPlease conduct an investigation into this matter. In accordance with the Fair Credit Reporting Act (FCRA), I ask that the disputed account be removed from my credit report if it is found to be inaccurate or unverifiable.\n\nI have included the following to verify my identity:\n\t\tA copy of my government-issued photo ID\n\t\tA recent utility bill showing my name and current address\n\t\tThe last four digits of my Social Security Number: XXXXPlease provide a written response with the results of your investigation within the 30-day period required by law.\n\nThank you for your assistance.\n\nSincerely,\nWho are you submitting this complaint for? Myself'

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 2025-08-21 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-21 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDELENT ACCOUNT : XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$290.00} XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$9900.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$790.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$300.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$490.00} XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$1100.00} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year>, I purchased items using XXXX for {$2700.00} ( Transaction ID : XXXX, Dispute Case ID : XXXX ). When the items arrived, they were confirmed counterfeit. The seller later admitted in a recorded phone call that the goods were replicas.

I immediately filed a PayPal dispute. I submitted evidence including photos of the counterfeit branding, screenshots of the sellers admission, and official XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX policies showing that mailing counterfeit goods internationally is illegal. 

On XX/XX/year>, I escalated the case to PayPal Executive Escalations and requested suspension of the XX/XX/XXXX ship-by deadline, because complying would require me to commit a federal offense. A PayPal representative confirmed an internal note was added but I never received written confirmation. 

Between XX/XX/year>, I repeatedly emailed PayPal, providing additional evidence and asking for confirmation that the deadline was suspended. On XX/XX/XXXX, I sent a final written warning. Hours later, PayPal denied my case solely for failure to provide tracking.

PayPals decision effectively forced me to either ( 1 ) break federal law by mailing counterfeit goods internationally or ( 2 ) lose my Buyer Protection claim. This is a failure of PayPals Buyer Protection policy and unfair treatment of a consumer who provided clear evidence of counterfeit goods. 

I am requesting that PayPal be required to reopen my case and issue a refund of {$2700.00} without requiring the illegal return of counterfeit goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: FL

Complaint narrative:
Inconsistency/ Accuracy Issue The account is listed as both a charge-off and a collection. These are XXXX distinct account statuses and can not legally apply simultaneously. Reporting both is materially misleading, creating the false appearance of multiple derogatory events. 

Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reported Status : Collection / Charge-off Reported Past Due Amount : {$5800.00}

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 2025-08-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$710.00} Account Name : XXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$7700.00}

Company response to consumer: Closed with explanation