vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> XXXX Jefferson Capital System XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Request for Debt Validation Dear Jefferson Capital System, I am requesting validation of the debt you claim I owe, as allowed under the Fair Debt Collection Practices Act. Please provide proof that I am responsible for this debt, the amount owed, and the name of the original creditor. Until you provide this information, stop all collection activities, including reporting to credit bureaus. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
this company Contract Callers Inc trying to collect debt that was already paid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. On XXXX XXXX, I identified several accounts that I believe are either outdated, not mine, or can not be verified under the Fair Credit Reporting Act ( FCRA ). 

Please delete the following 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 XXXXXXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXXXXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal I submitted a formal dispute to TransUnion requesting that these accounts be fully investigated and removed if not verified with proper documentation. However, I did not receive a meaningful investigation or verification, and the inaccurate information remains on my report.

I am requesting the CFPB 's assistance to ensure TransUnion complies with federal law, specifically sections 1681i ( reinvestigation of disputed information ) and 1681b ( permissible purpose ). My goal is to have any unverifiable, inaccurate, or unauthorized accounts permanently deleted from my file.

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 2025-09-28 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: NY

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. 

XXXX XXXX XXXX XXXX XXXX XXXX. 

Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned 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 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: DC

Complaint narrative:
Discover Bank is being unfair to its Debit Card holders ; ... when it comes to Merchants placing " holds '' aka Authorizations on Debit Cards. 

Funds in a CashBack Debit Card account are considered liquid and available if a merchant can place a purchase or hold, when funds are taken away from the credit and placed in pending status. Those funds are substracted from the available balance. It's no different than pulling the funds and setting them aside, because this account isn't a line of credit or credit card. 

Discover Bank allows the Merchant to hold funds in reserve until those funds are collected or paid to the Merchant. However, there needs to a more reasonable timeframe so funds that go uncollected can be placed back to the Account sooner. 

If a Merchant doesn't settle or bring the Authorization to collection, Discover Bank must release those funds back to customers account immediately. 

Discover Bank must require a merchant to collect and close the transaction within XXXX business days. In order to be fair to the customer. In XXXX, customer has waited over XXXX days for funds to return back to the account, even when the Merchant has submitted a " release ''. and has notified the card system. 

Discover Bank is holding deposits and pending funds in extended periods that aren't being fair to consumers.? Merchant should be able to close or settle transactions within reasonable time to eleviate consumers and stop depriving them of their funds and return unused funds within reasonable times back to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have received exactly XXXX calls from Portfolio Recovery since XX/XX/year> and the last call I received was yesterday. They even call during weekends. 

Another caller that keeps calling me everyday, even on weekends and after hours is this number : ( XXXX ) XXXX. They are calling so much especially while I'm at work. 

Another number is from XXXX. I believe this is XXXX. I tried resolving with them a late payment just so they stop calling me, but they won't even take my payment unless I get approval from my husband. Which doesn't make XXXX sense. They call multiple times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: NJ

Complaint narrative:
XXXX XXXX, XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXXXXXX 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 XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXXInquiryXXXXXXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all 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 2025-09-28 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX Account # : XXXX XXXX XX/XX/year> XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX Account # : XXXX XXXX XX/XX/year> XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America gave me a credit card Closed it with XXXX outstanding on the card And now reporting its closed with XXXX outstanding balance

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 2025-09-28 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: OH

Complaint narrative:
A fraudulent debt has been reported on my credit file by all three nationwide consumer reporting agencies ( Experian, Equifax, and TransUnion ). The account in question is being reported by XXXX XXXX XXXX with an alleged original creditor of XXXX XXXX XXXX XXXX in the amount of {$690.00}. 

This account is not mine. I never entered into any agreement with XXXX XXXX XXXX, nor did I authorize XXXX to open or transfer such an account. This is either a case of identity theft or inaccurate reporting of sold/assigned debt that does not belong to me. 



Details of Disputed Account Collection Agency : XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX 
Account Number ( partial ) : XXXX Reported Balance : {$690.00} Date Opened ( per credit report ) : XX/XX/year> Status : Collection account, past due as of XX/XX/year> Violations / Issues 1. FCRA 602 ( A ) and 607 ( B ) The credit bureaus are required to maintain maximum possible accuracy of consumer credit reports. This account is fraudulent/inaccurate and has not been verified.

2. FCRA 609 ( a ) ( 1 ) I was never provided proper validation of this debt upon request.

3. FCRA 611 The bureaus are required to conduct a reasonable reinvestigation of disputed information, yet this account continues to report inaccurately.

4. FDCPA Violations The collection agency may also be in violation of the Fair Debt Collection Practices Act by attempting to collect a debt not owed.

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 2025-09-28 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: Nelnet, Inc.
State: NC

Complaint narrative:
I have my student loan in collection with Nelnet. I know that Nelnet is under a class action lawsuit for wrong doings and data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.

Complaint narrative:
I am recieving too much contradictory information, one report said I had bills in california, I have never been to california. I am from Delaware as previously established. Another said there was no report and then that information was verified and but if there is no report how can information be verified? I left the US in XXXX taught a class in the US in XXXX and in neither instance used any credit or credit products. So I am left wondering what is going on, what I am seeing here is a rise in identity theft by XXXX and XXXX XXXX hackers affecting Americans in the region. Why dont the credit bureas have safeguards and why is it only American data is being exposed to this? Whar protections does XXXX have that we do not have that is prevent this from happening to their citizens here?

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 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.

Complaint narrative:
I am recieving too much contradictory information, one report said I had bills in california, I have never been to california. I am from Delaware as previously established. Another said there was no report and then that information was verified and but if there is no report how can information be verified? I left the US in XXXX taught a class in the US in XXXX and in neither instance used any credit or credit products. So I am left wondering what is going on, what I am seeing here is a rise in identity theft by XXXX and XXXX XXXX hackers affecting Americans in the region. Why dont the credit bureas have safeguards and why is it only American data is being exposed to this? Whar protections does XXXX have that we do not have that is prevent this from happening to their citizens here?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
I have attached evidence that Mountain Land Collections is purposely disclosing existence of debt in detail to a third party. After my last complaint with CFPB, they stated, Out of an abundance of caution, we will mail another verification response to the new address provided by XXXX XXXX. Which is in XXXX XXXX XXXX Utah, which I provided them in my letter. They have then sent a detailed letter to the third partys address in XXXX, ID with debt information, amount, the date I visited the hospitals emergency services, which hospital I visited, who the doctor was, my health insurance information and when they were billed. This is against the law and an extreme invasion of privacy. They have violated FDCPA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Midland Credit Management XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX Re : Request for Debt Validation Dear Midland Credit Management, I am requesting validation of the debt you claim I owe, as allowed under the Fair Debt Collection Practices Act. Please provide proof that I am responsible for this debt, the amount owed, and the name of the original creditor. Until you provide this information, stop all collection activities, including reporting to credit bureaus. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: Self Financial Inc.
State: AL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 1666B : a creditor my not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
Subject : Consumer Complaint XXXXXXXX XXXX Lost After Transfer to XXXX Dear CFPB, I am filing a complaint against Robinhood Markets , Inc. regarding the loss of XXXXXXXX XXXX that I transferred from XXXX to Robinhood using instructions given in the Robinhood app. 

Transaction details : Date : XX/XX/year>, XXXXXXXX XXXX XXXX XXXX XXXX Hash : XXXX Amount : XXXXXXXX XXXX XXXX XXXX  {$19000.00} ) Link : XXXX XXXX XXXX Addresses : Old address provided by Robinhood XXXX at the time of transfer : XXXX New address Robinhood switched to afterwards : XXXX Tag : XXXX I made the transfer immediately using the instructions XXXX provided. Later, Robinhoods customer service informed me that the XXXX went to their old address because they had switched to a new one.

At first, they told me this issue could be manually corrected in the back end. Later, they claimed nothing could be done because I used an old address. This is not my fault Robinhood gave me the deposit information, and I acted immediately.

This is a fraudulent and unfair practice : Robinhood controls both addresses but denies responsibility. 

They offered a 2 % crypto transfer bonus, enticing customers to transfer assets while their system was unsafe.

Customers like me are losing substantial funds while Robinhood refuses to return them.

I request the CFPB investigate Robinhood for unfair and deceptive practices in handling consumer crypto transfers, deposit address updates, and misleading bonus promotions. 

Sincerely, XXXX XXXX XXXX XXXX Cell : XXXX Email : XXXX Robinhood Account : XXXX

Company response to consumer: Closed with explanation