vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

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 2025-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I received a collection letter from Progressive Management Systems on XX/XX/XXXX, regarding a {$570.00} medical debt from XXXX XXXX dated XX/XX/XXXX. I responded in writing within the 30-day window, requesting full validation of the debt under my rights through the Fair Debt Collection Practices Act. 

The company replied by instructing me to contact XXXX XXXX directly to request an itemized statement and did not provide any of the required documentation, such as a billing breakdown, proof of authorization to collect, or the original agreement. 

I sent a second written request reiterating my demand for proper validation and stating that I would report the matter if they failed to comply. In response, they stated they would cease all collection activity due to the circumstances but still did not provide the validation I requested. 

At no point did they fulfill their legal obligation to validate the debt, and this issue should be investigated to ensure compliance and prevent similar future violations.

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 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: VA

Complaint narrative:
SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, I sent a payment of {$220.00} USD through PayPal using my XXXX debit card for a digital item. The recipient used a Friends & Family payment method, which I now realize was part of a scam. They presented dozens of fake vouches to build trust and misled me into believing they were a trusted seller. After payment, the seller disappeared and I never received anything I paid for. 
I contacted PayPal immediately upon realizing this was fraud, explained the situation in detail, and provided evidence including the transaction ID ( XXXX ), chat logs, and proof the recipient has scammed others. However, PayPal refused to help, stating that Friends & Family transactions arent protected, even though the situation clearly involves intentional fraud and deceptive practices. 
I also reached out to my bank to dispute the transaction, but since it was processed through PayPal, they deferred responsibility. 
The scammer I paid through PayPal operated through Discord under the username : XXXX User ID : XXXX This user advertised digital goods and used a Discord server filled with fake vouches to appear legitimate. After I paid {$220.00} via PayPal ( Friends & Family ) on XX/XX/year>, they blocked me and banned me from the XXXX server, cutting off all contact. I never received the product I paid for. 
This behavior is consistent with fraud and I have screenshots showing the payment and blocked status. I am requesting a full refund due to the deceptive nature of this transaction, which violated the trust-based nature of the XXXX XXXX XXXX XXXXXXXX. 
I am filing this complaint because I believe PayPal failed to investigate or act appropriately in a clear case of fraud, and I would like assistance recovering the funds and holding the scammer accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXX XXXXccount number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXXXXXX XXXX  Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX XXXX  Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$12.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX XX/XX/2025 Chime Financial , Inc. 
Attn : Customer Experience/Disputes Department XXXX. XXXX XXXX XXXX XXXX, CA XXXX Subject : Formal Complaint and Request for Full Refund of Unauthorized Transaction Dear Chime Support Team, I am writing to formally dispute an unauthorized withdrawal of {$780.00} from my Chime account, which occurred on or around XXXX XXXX. Despite multiple attempts to resolve this through your support channels, I have been misled and unfairly treated. You claim that an investigation was conducted, yet I have not been provided with any proof of this. Additionally, I was only refunded {$8.00}, which is entirely unacceptable given the total amount stolen. 

I have every reason to believe that a thorough investigation was not actually conducted, and I am requesting that you re-open this case immediately and credit the full {$780.00} back to my account. I am entitled under the Electronic Fund Transfer Act ( Regulation E ) to a proper investigation and resolution of unauthorized electronic transactions. Your failure to do so not only violates federal law, but causes me undue financial stress and harm. 

Please respond to this letter within 10 business days of receipt. If I do not receive a full and fair resolution, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and escalate the matter through legal avenues if necessary. 

I have been a loyal Chime customer, but I expect to be treated with respect and fairness. Please make this right and refund the {$780.00} immediately. 

Sincerely, XXXX XXXX Chime XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Dear CFPB Representative, I am writing to formally dispute and request corrective action regarding serious and adverse credit report entries that I believe are directly connected to the recent data breach involving XXXX XXXX XXXX, disclosed in XX/XX/year>. 
As reported, the breach involved unauthorized access via a third-party software platform, exposing personal data such as Social Security numbers , dates of birth, drivers license numbers, and other sensitive identifiers. I was among the impacted individuals and have received confirmation of my involvement from XXXX. 
Since the breach, I have experienced financial and reputational harm, including the sudden appearance ( or continued reporting ) of a bankruptcy filing and other questionable derogatory accounts on my credit report, which I now suspect may be inaccurate or triggered by identity compromise. 
I am respectfully requesting the CFPBs support and intervention in the following actions : Investigating how XXXX handling of consumer data may have led to the inaccurate reporting of credit accounts and bankruptcies. 
Assisting in the removal or correction of erroneous information on my credit report, specifically the bankruptcy and associated affected accounts. 
Ensuring XXXX and affiliated credit reporting agencies conduct a thorough reassessment of impacted individuals reports. 
Ive taken personal steps including placing a security freeze on my credit, enrolling in identity protection services, and contacting credit bureaus directly but the process has proven difficult without regulatory oversight. These issues continue to harm my financial standing, job prospects, and access to credit. Please find my FTC report filed against XXXX XXXX. 

I appreciate your time and effort in addressing this urgent matter. 
Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 XXXX Code XXXX 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 ( XXXX ) and the Truth in Lending Act ( XXXX  ), 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 2025-08-06 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 XXXX Code XXXX 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 ( XXXX ) and the Truth in Lending Act ( XXXX  ), 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint and dispute regarding a charged-off account that has recently appeared on my consumer credit report. This account is listed as Unpaid Balance Reported as A Loss by XXXX XXXX and was not authorized by me. 

I believe this entry may be the result of identity theft or unauthorized activity stemming from the XXXX XXXX XXXX data breach, disclosed in XXXX XXXX and affected over XXXX individuals nationwide. I received notification that my personal informationincluding my Social Security number and drivers license numberwas compromised in this breach. 

This fraudulent account has caused significant financial and emotional hardship for me and my family. I respectfully request the following actions : - Immediate removal of the charged-off account from my credit report. 
- A full investigation into the origin and validity of the account. 
- Written confirmation of the results of the investigation. 
- Financial compensation for the damages and distress caused by this breach My name appears on my consumer report as XXXX XXXX XXXX I have attached the FTC report to this dispute.

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 2025-08-06 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: SC

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : 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 personal credit card account opened at XXXX XXXXXXXX on XX/XX/year> under the account number XXXX a personal loan account opened at XXXX XXXX XXXX on XX/XX/year> under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/year> with a balance of $ {$12.00} that appears related to the aforementioned personal loan account opened at XXXX 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 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Io, Inc.
State: VA

Complaint narrative:
REC MGM SYS is falsely reporting on my credit. I have never had any accounts with them. Per my research REC MGM SYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-06 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: NC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: MI

Complaint narrative:
Since XXXX yesterday, global lending services, has contacted me 4 times. Every time I miss their call, I receive 2 calls from 2 numbers not associated with them. But it lines up perfectly. They are at this point completely harassing me, calling me all day long, using sketchy shady numbers to try to see if they reach anyone. ( XXXX ) XXXX, calls me everyday, right after global lending followed by a second number. XXXX ( XXXX ) XXXX. They have contacted me 8 times since last Friday when I told them not to contact me until the XXXX. The people calling are very rude and disrespectful, I would like to challenge that this is an unfair lending practice, even by a lenders standard and not a typical loan standard

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Investment Retrievers, Inc.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation