vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: NC

Complaint narrative:
* * Re : * * Unresolved Dispute XXXX XXXX XXXX XXXX XXXX Failure to Validate Debt & Illegal Reporting Dear CFPB, I am filing this formal complaint against * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX for their refusal to validate a disputed debt and their continued reporting of inaccurate information to the credit bureaus, violating federal law. Below are the details : XXXX XXXX XXXX XXXX XXXX  Account Information XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX Amount in Dispute : * * {$7800.00} ( falsely reported as past due ) XXXX XXXX XXXX XXXX  * Violations XXXX XXXX XXXX XXXX XXXX FCRA ( 15 U.S.C. 1681s-2 ( b ) ) XXXX XXXX XXXX XXXXXXXX failed to investigate and correct inaccurate information. 
XXXX. * * FDCPA ( 15 U.S.C. 1692g ) * * : They did not provide debt validation upon request. 
XXXX. * * Continued Illegal Interest Charges * * : The account was closed but still accrues interest. 

Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not authorize this inquiry and have had no communication with the lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
Application Was opened. I did not apply. I need this Corrected. Call the number but can not get thought. XXXXXXXX XXXX Citibank XXXX. I need this stopped and credit inquiry removed.

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 2025-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
An unknown person or seller took monies that were in my XXXX account alleging two purchases in the amounts of {$420.00} and {$450.00}. Within minutes of the transaction, I contacted XXXX  and told this was unauthorized and I had not initiated the transactions. I was given steps by a person at their help desk and followed those instructions. In less than 24 hours, XXXX contacted me and denied my claim. I continued to contact XXXX with more information regarding the offender as well as requests for XXXX to confirm that the seller had indeed sent me something and proof that I received it. XXXX denied my claim again. After several attempts, XXXX  emailed me and told me to file a police report and that they would not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) 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. 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 2025-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I am filing a formal complaint against Portfolio Recovery Associates , LLC regarding an account with the last four digits XXXX, originally owed to XXXX XXXX XXXX.. 

This debt was paid in full directly to XXXX XXXX, and my credit report clearly reflects the account status as Paid Satisfactory. Despite this, Portfolio Recovery Associates is attempting to collect a balance of {$2300.00} on this same debt. 

I previously sent a debt validation request to Portfolio Recovery Associates, and after receiving their response, I discovered the debt was already paid. However, they continue to contact me by phone and email demanding payment, which is causing me significant stress and is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Furthermore, their continued reporting of this account as unpaid is inaccurate and violates the Fair Credit Reporting Act ( FCRA ). 

I am attaching relevant excerpts from my credit report showing the accounts paid status alongside their collection claim. 

I request that the agencies investigate this matter and take appropriate enforcement action against Portfolio Recovery Associates , LLC for : Attempting to collect a debt that has been paid in full Harassment through continued collection attempts after validation Reporting inaccurate information to credit bureaus I also request assistance in ensuring that this inaccurate information is removed from my credit report and that Portfolio Recovery Associates ceases all collection efforts regarding this debt. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
I texted Spring Oaks Capital SPV , LLC and clearly requested that they stop contacting me regarding an alleged debt. Despite this request, they continued to send me a text message. Their actions violate the Fair Debt Collection Practices Act ( FDCPA ) and the Telephone Consumer Protection Act ( TCPA ), which prohibit further communications after a consumer has asked that they cease contact. 
I have saved screenshots of all text messages, including the date and time of my stop request and the message I received afterwards. I am requesting that they immediately cease all communications and that this violation be investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, MI. XXXX XX/XX/2025 Midland credit management XXXX XXXX XXXX XXXX XXXX, MI. XXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 



Please attach copies of the following documents : o Agreement that you have authority to collect on this alleged debt. 
o Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
o Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
I am submitting this complaint to report inaccurate and unfamiliar information being reported on my credit file. I have identified one or more incorrect information, accounts and inquiries that I do not recognize, did not authorize, and have never had any prior relationship or knowledge of. These items appear to be incorrectly attributed to my profile. I have reached out to the reporting entity to request validation and removal, but have not received sufficient documentation proving that the incorrect information, accounts and inquiries belong to me or were lawfully initiated.

This reporting may constitute a violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and possibly the Gramm-Leach-Bliley Act regarding the safeguarding and proper use of consumer information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 2025-07-31 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I have no knowledge of these accounts therefore they are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: MARINER FINANCE, LLC
State: GA

Complaint narrative:
I have no knowledge of these accounts therefore they are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: MN

Complaint narrative:
I called Equifax customer service to inform them that the dates they have a few my accounts were incorrect for charge off accounts. There was XXXX account with a XXXX past due that's incorrect. All these issues have been previously disputed over the last year. I explained my frustration and told them when speaking with other credit bureaus like XXXX  these things are nonissues and errors have been corrected. 

The customer service rep that I spoke with named XXXX today, XX/XX/year> told me that there was no way for me to prove that I the information they have is incorrect and they will only based on what the creditor is reporting. She over spoke me a few times and told me that I will informed in XXXX if they decided to update/delete the inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Complaint : Wire Transfer Error Resulting in Missing {$100000.00} Summary of the Issue : On XX/XX/XXXX, my father went to his local Wells Fargo branch in XXXX, NJ to wire {$100000.00} to my XXXX Bank account. The funds were to be used toward the down payment on a new home, which we were scheduled to close on XX/XX/XXXX. 

However, due to a keying error by a Wells Fargo employee, an incorrect account number was entered during the wire transfer. As a result, the wire never arrived in my XXXX XXXX account. 

XXXX XXXX  has confirmed that : - The account number provided did not exist. 
- The wire transfer was immediately rejected and returned to Wells Fargo. 
- The funds were not deposited into any account at XXXX XXXX. 

Despite this, Wells Fargo is claiming the funds were never returned and my fathers account has not been refunded. We have been caught in a stalemate where each bank insists the other is responsible. 

Attempts to Resolve : - My father has visited his Wells Fargo branch in person multiple times per day - I have visited my XXXX branch in person - We have spoken to Wells Fargo and XXXX XXXX  representatives on the phone numerous times- We also submitted a XXXX XXXX XXXX complaint - Despite all efforts, the issue remains unresolved and the {$100000.00} is still missing. 

Impact : This error has caused significant financial and emotional hardship for our family : - We were unable to close on our new home due to the missing funds. 
- We are being forced to move out of our current home on XX/XX/XXXX due to incoming renters. 
- The missing money jeopardizes our housing security and financial stability. 

What I Am Requesting : I am seeking the CFPBs help in : - Promptly investigating this matter. 
- Facilitating clear accountability between the XXXX banks. 
- Assisting in the return of the {$100000.00} to my fathers Wells Fargo account. 

Involved Parties : Sending Bank : Wells Fargo ( XXXX, XXXX XXXX  ) Receiving Bank : XXXX XXXX ( my personal checking account, shared with my husband ) Thank you for your assistance in this urgent matter.

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 2025-07-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McNeil & Meyers Asset Management Group, LLC
State: CA

Complaint narrative:
I am filing this complaint against * * McNeil and Meyers Receivable and Management * * for multiple violations of the * * Fair Debt Collection Practices Act ( FDCPA ) in connection with an alleged debt they are attempting to collect from me. 

Failure to Properly Validate Debt Under 15 U.S.C. 1692g ( b ) Upon receiving notice of the alleged debt, I timely submitted a written dispute letter requesting validation under the FDCPA. In response, McNeil and Meyers sent me only a copy of a signed contract. However, this does not satisfy the debt validation requirements under federal law. Specifically, they failed to provide : * A full itemized breakdown of the amount being claimed ( i.e., principal, interest, fees, and any other charges ), * A complete payment history from the original creditor, * Documentation proving the debt was legally assigned or transferred to McNeil and Meyers ( chain of title ), * The original terms and conditions tied to the account, * And proof that McNeil and Meyers is licensed to collect debts in my state ( California ). 

These omissions mean the debt is legally unverified and should not be pursued or reported. 

Inflated and Inaccurate Balance Possible FDCPA 1692e ( 2 ) ( A ) Violation * * In their initial communication, McNeil and Meyers stated that the amount owed was {$3100.00}. 

However, after I disputed the debt, they sent a follow-up letter stating the balance had increased to {$3900.00}, with no explanation or itemization justifying the sudden {$790.00} difference. This appears to be an attempt to inflate the debt amount, which is a violation of : 15 U.S.C. 1692e ( 2 ) ( A ) : Prohibits false, deceptive, or misleading representations of the character, amount, or legal status of any debt. 
15 U.S.C. 1692f ( 1 ) : Prohibits collection of any amount unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

This discrepancy calls the accuracy and legality of their reporting and collection efforts into question. Without a proper explanation or breakdown, this is grounds for deletion under federal law due to the debt being inaccurate, unverified, and misleading. 


Despite repeated requests, McNeil and Meyers has failed to provide an itemized breakdown of the debt, which is critical to validating a disputed balance. This omission not only prevents me from confirming the accuracy of the alleged amount, but it also obstructs my ability to defend against or resolve the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: OR

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-31 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: FL

Complaint narrative:
Experian has failed to fulfill it legal obligations under the fair credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately to notify consumers of dispute outcomes. These failures align with my experience. Where Experian has neither corrected or removed disputed items despite the evidence I provided causing ongoing harm to my credit standing I am requesting immediate corrective action to remove the disputed accounts, as experian inaction violates federal law and my rights as a consumer. 

15 U.S Code S 1681C-2 A consumer reporting agency shall block the reporting of any info in the field that the consumer identifies as info that resulted from an alleged identity theift, no later then XXXX business days after the date of receipt. It has been XXXX  days and u are in violation of this law bc Im a Victim of identity theft XXXX XXXX, discover should not be furnished on my consumer report. As they are in violation under 15 U.S Code of 1681B-permissible purpose of consumer reports ( a ) in general objects to subsection ( c ) any consumer reportin may furnish a consumer report under the following circumstances and no other ( XXXX ) coordinates with the written instructions of the consumer whom it relates l never gave any consumer agency written cosent to reprt anything on ny consumer report which violates my rights as a federal protectes consumer. No consent if identify theift. As a consumer in demand the deletion of XXXX XXXX and discover

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