vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: KY

Complaint narrative:
Re : Dispute of Charge-Off Account XXXX XXXXXXXX Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Dear Sir/Madam, I am writing to formally dispute the accuracy and validity of the charge-off entry reported on my credit file by XXXX  XXXX under the account referenced above. I assert that the information you are reporting is inaccurate, incomplete, and in violation of 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. Specifically, I contend that the charge-off is invalid because XXXX XXXX has failed to provide adequate evidence of the debts existence, legitimacy, and proper reporting. Additionally, I am aware that XXXX XXXXXXXX may have forgiven or written off this debt as income, as evidenced by the issuance of a Form 1099-C, Cancellation of Debt. Under the Internal Revenue Code, a 1099-C form represents the cancellation of debt and could indicate that this debt is no longer legally enforceable. Please be advised that under 15 U.S.C. 1692g ( a ), I am entitled to a debt validation, and I am requesting that XXXX XXXX provide the following information : 1. Proof that I owe the alleged debt. 2. A statement that the debt was not discharged through bankruptcy, as I have never filed for bankruptcy. 3. The date of charge-off and the reason for the charge-off. 4. Any documentation of a 1099-C issued in connection with the debt. If this information can not be provided within the legally required 30-day time frame, I request that you immediately remove this entry from my credit report. Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I request that you conduct a reasonable investigation into this matter, and under 15 U.S.C. 1681s-2 ( a ) ( 3 ), I expect all information reported by XXXX XXXX to be accurate and corrected if found to be in error. Please confirm that you have received this dispute and provide a resolution to this matter within 30 days of the date of this letter. Sincerely, 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 2025-07-09 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: VA

Complaint narrative:
I have previously disputed this account, yet Equifax has failed to remove, update, or properly verify the disputed information in violation of several provisions under the Fair Credit Reporting Act ( FCRA ) and industry standards such as Metro 2 compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I visited a Citibank branch to confirm a recent deposit that had posted and was showing as cleared and available in my checking account. After confirming with a Citibank phone representative and their supervisor that the funds were reviewed, approved, and ready for use, I attempted to withdraw a small portion first from an ATM, then directly through a teller only to have my entire account suddenly frozen without explanation or written notice. This action directly contradicted verbal assurances from Citis own internal support, creating a state of confusion and financial instability. The teller who reviewed my account visibly laughed and scoffed at my balance, an unprofessional and humiliating response that demonstrated a clear bias based on perceived financial status which may amount to discriminatory treatment in violation of fair banking practices. While fraud was never mentioned, I was treated as if I had done something wrong. I was given no documentation, no ability to review or dispute the issue, and no access to funds that had already been confirmed as cleared. The branch staff failed to exercise due process, failed to issue a formal explanation, and left me stranded in the middle of a personal emergency. I was also unable to follow through on urgent, time-sensitive professional plans involving a long-term career opportunity all because Citibank imposed a sudden , unexplained account freeze that appeared rooted more in bias and negligence than legitimate policy. This entire situation caused unnecessary emotional distress, financial damage, and left me feeling targeted and dismissed by an institution entrusted with consumer protection. The handling of this matter reflects a serious failure of duty of care, internal miscommunication, and misconduct, and I believe it warrants immediate regulatory review.

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 2025-07-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
I am a resident of Florida and believe OPP Loans has violated Florida usury laws and engaged in predatory lending practices. 

Since XX/XX/year>, I have received a total of {$10000.00} across 11 separate loan agreements issued through repeated refinancing or rollovers by OPP Loans.

Despite these loans being refinanced multiple times, I have paid a total of {$13000.00}, and OPP Loans is still claiming I owe over {$3900.00}.

These rollovers appear to be structured in a way that avoids clear disclosure of total cost and result in an effective APR far exceeding XXXX legal usury limits 18 % under Florida XXXX XXXX, and 25 % under XXXX ( criminal usury ). 

I have already revoked ACH access and demanded account closure. I am requesting the CFPBs assistance in : 1. Canceling the remaining balance 2. Preventing further collection/ future damage to credit 3. Investigating OPP Loans for potential predatory refinancing behavior I have screenshots of all related loans, payments, and credits to my account if requested, it shouldnt be necessary and would be an absolute hassle considering they have rolled me into 11 different loans

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX  & XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-09 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax & XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: NC

Complaint narrative:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately XXXX 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 non-monetary relief
Consumer complaint received 2025-07-09 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: NC

Complaint narrative:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax & XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I PULLED MY CREDIT REPORT, AS I AM IN NEED OF A HOME LOAN, I NOTICED THERE WERE 3 NEGATIVES ON THERE. 
XXXX XXXX {$670.00} MIDLAND CREDIT {$620.00} MIDLAND CREDIT {$750.00} I HAVE CALLED, EMAILED, SENT CERTIFIED LETTERS, SINCE XX/XX/XXXX, AND EVERY 30 DAYS SINCE THEN, REQUESTING VALID DOCUMENTS TO SHOW ME HOW THEY RECEIVED THEIR INFORMATION. THE ANSWER I GET IS THAT I WILL HAVE SOMETHING IN THE MAIL WITHIN 7-10 BUSINESS DAYS, I HAVEN'T RECEIVED ANYTHING. I HAVE SUBMITTED LETTERS, EMAILS AND CALLS TO ALL 3 CREDIT BUREAUS, AND THEY WANT TO SELL ME A MONTHLY SUBSCRIPTION.I JUST NEED TO KNOW WHO FILLED OUT THE APPLICATION, WHERE IT WAS SENT. 
I AM AT A COMPLETE LOSS HERE, NOONE IS HELPING. I AM TRYING TO GET A HELOC LOAN, SO I CAN PREPARE MY HOUSE FOR HURRICANE SEASON. 
PLEASE HELP!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: Property Receivables, Corp
State: TX

Complaint narrative:
Complaint Against XXXX XXXX XXXX XXXX Property Receivables Corp. 

I am filing this complaint against XXXX XXXX XXXX  ( Minnesota ) and their third-party debt collector, Property Receivables Corp . 

After moving out in XXXX, XXXX XXXX sent a {$500.00} damage charge to the wrong address, so I never received notice, billing, or an opportunity to dispute or resolve the issue. Nearly 3 years later, I was contacted by Property Receivables Corp for a debt I had no knowledge of, and which had already been marked written off in their own internal ledger. 

I formally disputed the charge in writing. To this day, no documentation, inspection report, invoice, or photographic evidence has been provided to validate the alleged damage. 

Despite this, the debt collector continued to pursue payment, added interest, and the unresolved balance was reported to my rental history, causing my lease application to be denied and placing me under serious housing risk. 

In order to prevent losing my new apartment, I was forced to pay the full amount under protest. I sent a formal statement by email to both XXXX XXXX and Property Receivables Corp stating that my payment does not admit liability and that I reserve the right to seek relief under federal and state law. 

I am requesting that : This debt be removed from any tenant screening or rental history systems. 

The {$500.00} charge be officially vacated or refunded. 

An investigation be opened into XXXX XXXX failure to notify me at my correct address. 

An investigation be opened into Property Receivables Corps failure to provide proper debt validation under the FDCPA. 

This has caused serious harm to my housing situation and emotional distress. I am requesting enforcement and consumer protection assistance. 

Below Are the address and contact details of both party " Debt Collector '' and Property Management PROPERTY RECEIVABLES , CORP XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX Appartment ) XXXX XXXX XXXX XXXX XXXX MN, XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.

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