vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
I noticed that some of my personal information on my credit report is incorrect, and I need it fixed as soon as possible. This includes details like my name, address, or other identifying information that are either outdated or just plain wrong. Im not sure how the mistake happened, but its important that everything on my report accurately reflects my identity.

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 2025-05-07 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:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. CXXXXe XXXXb ( XXXX ) and 15 U.S. CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXXXXe XXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-07 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:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. CXXXXe XXXXb ( XXXX ) and 15 U.S. CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXXXXe XXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
Creditor : XXXX XXXX XXXX XXXXXXXX. 
Our Reference # : XXXX Creditor Account Ending In : XXXX Account Balance : {$810.00} XXXX, We have reached out to you a few times. Perhaps you haven't had time to set up payments to resolve your balance. Please click the link below and check out your options. If none of these work for you, give us a call at XXXX, and XXXX of our agents will be glad to help customize a plan for you. 

You can make any payment amount that fits within your budget. Why wait to get started? 

See My Options Sincerely, Firstsource Advantage , LLC We are required to inform you that this is an attempt to collect a debt by a debt collector. Any information obtained will be used for that purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
Radius Global Solutions is harassing me and illegally obtained my information and placed me into collections without sending validation of debt. Radius Global Solutions is attempting to collect a debt not owed and hasn't validated the debt. I did not provide my information to Radius Global Solutions so they are illegally accessing my personal information and harassing me which goes against consumer rights per FTC, 15 U.S. Code 1692c, Under this Act ( Title VIII of the Consumer Credit Protection Act ), third-party debt collectors are prohibited from using deceptive or abusive conduct in the collection of consumer debts incurred for personal, family, or household purposes. This does not comply with disclosure requirements set forth in the Fair Debt Collection Practices Act. More than enough time has passed to allow you to comply however you have chosen not to meet the legal requirements of the law. XXXX has no legal right or obligations to me and has illegally placed me in collections without providing original validation of debt and other instruments. This company needs to be investigated for illegally accessing SSN, Email Address, Phone Numbers, and other personal information without my permission. I hereby request cease and desist. As stated before this is illegal. Radius Global Solutions needs to provide me with copies of all documentation associated with the account and bearing either a court order to place this information on my credit report or my authorization of release bearing my original signature. To be in full compliance with the FCRA laws and guidelines all the information listed under public records needs to be immediately deleted Per the FCRA section 609 ( A ) ( 1 ) ( A ) you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgments all accounts and public information that you post on anyones credit report.

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 2025-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I found out through my credit report that there was a debt collection. I was looking into a loan and found this collection. I never even heard of XXXX XXXX XXXX. I didnt even now where to start since the phone numbers provided was with Credit Collections Services . I couldn't get through to them and when I did they wanted information that I didnt have so they would hang up. I couldn't give them information since I don't have this account. Finally I called XXXX because Equifax sent me a dispute letter stating an account address that was in California. I never lived or stepped foot in California since I have lived in Florida for over 20 years. I spoke to several people at XXXX and I have all their names and ID # 's to finally get the information. The account was opened years ago, with a different legal name. Still the account was put under a name similiar to mine, but not my legal name and I asked them for all documentation to proof it was me. I can account for all my days and times so they have prove it was me. They can't just place a debt collection on someone who has a simular name and say that it was me. The debt is for {$340.00} for what appears to be internet services for a location in California. It went to the collections agency on XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( 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 2025-05-07 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: AL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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.

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-05-07 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: FL

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: VT

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ava Finance, Inc
State: MI

Complaint narrative:
Pre Lawsuit Notice Ava responded to my complaint and stated I failed to uphold their terms and conditions this is completely false. Ava purposely require you to maintain a certain credit balance BEFORE they attempt to withdraw money from your account. The money can be available for the credit balance and they still say it is not. I am not asking for proof not just a general response that says they " attempted to '' withdraw the money. I require the records to show the money wasn't available. This is why I canceled the service because Ava is not truthfully about their platform. Ava is not reporting false late payments intentionally ruining my credit rating. I will not stand for this and will require that Ava prove their claims according to the consumer protection law know as the Fair Debt Collection Practice Act. You have 14 days from the date if this complaint to forward me proof that your account history of this account is correct. If you do not you will be sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XX/XX/year> -Experian XXXXXXXX XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> -Experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> -Experian XXXX XXXX XXXX  XX/XX/year> -- Experian XXXXXXXX XXXX XXXXXX/XX/year> Experian

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 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Complaint Against Bank of America for Failure to Address Fraud ( Money Mule Scam ) Dear CFPB, I am writing to file a formal complaint against Bank of America for their failure to properly address a serious financial fraud incident in which I was a victim. In early 2019, during my time as a student in the United States, I became the target of a money mule scam and suffered a loss of approximately {$6500.00} USD ( around XXXX yen at the time ). I currentky closed bank of america account. 

Despite my repeated attempts to report the incident and seek assistance from Bank of America over the course of several months ( XXXX to XX/XX/2019 ), the bank refused to take adequate action or responsibility. I provided detailed explanations and requested an investigation, but Bank of America ultimately denied any liability and refused to refund the stolen funds. 

The scam involved my personal bank account being misused by criminals, and I believe that Bank of America 's failure to detect and prevent suspicious activity, and its lack of adequate customer support, significantly contributed to my financial loss. I trusted the institution to protect my funds and handle such incidents with care, but I received no meaningful support or recovery assistance. I reserched the complaint place from XXXX and I reached CFPB. 

I am requesting CFPB 's help to reopen this case, XXXX Bank of America 's handling of my reports, and seek a fair resolution. And refund XXXX. I believe my experience demonstrates a serious lapse in consumer protection, especially affecting international students who are vulnerable to these kinds of scams. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Email : XXXX Phone : ( none ) Address : 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 2025-05-07 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: KS

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing as a victim of identity theft, urgently seeking the permanent removal of a fraudulent account that continues to appear on my credit reports. The account in questionXXXX XXXXwas opened without my knowledge or authorization. I have never conducted business with XXXX XXXX and did not apply for any credit or financial product through them. 

Upon discovering this fraudulent activity, I contacted XXXX XXXX directly to request original documentation that would verify the legitimacy of the account. They failed to provide any such documentation. To formally address this issue, I filed an Identity Theft Report with the Federal Trade Commission ( FTC ) and mailed disputes to all three major credit bureausEquifax, Experian, and TransUnion. Each dispute included a copy of my government-issued ID, Social Security card, proof of address, the FTC Identity Theft Report, and a citation of FCRA 605 ( b ), which requires the blocking of fraudulent information once the consumer provides appropriate notice and documentation. 

Initially, the credit bureaus removed the XXXX XXXX account from my reports, which confirmed that it lacked proper verification. However, the same fraudulent account was later reinserted without any explanation or required notice. This is a direct violation of FCRA 1681i ( a ) ( 6 ), which mandates that consumers be notified within five business days if previously deleted information is reinserted. I received no such notice. Additionally, under 15 U.S.C. 1681i ( a ) ( 7 ), I am entitled to receive a description of the procedures used to determine the accuracy and completeness of the disputed informationthis has not been provided by any of the bureaus.

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 2025-05-07 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:
I am submitting this complaint because PayPalXXXX has XXXX my claim for a stolen package even after I provided every piece of evidence I could reasonably gather. 

I placed an order through XXXX ( merchant ) that was delivered by XXXX ( the XXXX ). The package was marked as delivered, but it was never placed in the secure XXXX XXXX locker system at my apartment building. Instead, it was left in an open mailroom and stolen. 

Heres what Ive done : I filed a police report with the XXXX XXXX Police Department. Ive attached a screenshot from their portal confirming that it is currently part of an active criminal investigation, which means the report can not yet be released. 

My apartment property XXXX confirmed in writing that the package was stolen and that security footage captured the person who took it. They offered to assist police and provided documentation stating it was theft. 

I submitted a dispute through PayPal, explaining the theft and offering to provide evidence. PayPal denied it, saying tracking shows delivered, without acknowledging the police report, third-party confirmation, or the nature of the loss. 

I appealed within the case, providing the email from my apartment and the proof that the police report is restricted due to criminal investigation status. Still, PayPal denied me. 

I am asking CFPB to investigate PayPals handling of this case, as I believe this denial violates their stated Buyer Protection policy and demonstrates a lack of fair review. This is not buyer error this is theft due to delivery negligence, and it has been handled irresponsibly by both XXXX and PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Incorrect information personal on my credit report : Experian : XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Correct Name : XXXX XXXX FTC Report Number : XXXX

Company response to consumer: Closed with non-monetary relief