vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 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: MI

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XX/XX/year> I ran my first transaction using tap to pay through mXXXX XXXX XXXX account for {$640.00}. Several days went by and I was never paid when it was supposed to be an automatic payment. The charge has been stuck in pending status ever since. I then ran several more transactions which are all still stuck in pending status. I called customer support who opened a ticket for XXXX  team to work on a fix. I never heard anything for over a week. I followed up daily asking customer support for details. They say they do not have details beyond the XXXX team will work on it and to check back daily. Several weeks now have gone by and nothing has changed with my XXXX XXXXXXXX account. Every transaction is still in pending status and I can not access the funds I have collected from my customers. I reach out to customer support daily via phone and chat support. They tell me they escalate my concerns but again nothing is happening with my account. I have no response beyond that, no expected date for funds to be released or for the XXXX  to fix the issue. My account is fully verified and functioning otherwisXXXX XXXX is holding multiple transactions and money from me in pending status from my tap to pay business transactions. I need access to these funds and a response as to why this is not being fixed or when it will be fixed. Resolution needed is for them to fix this and release those pending transactions ASAP so that I may transfer them to my checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-10 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-10 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CMG Financial Services, Inc.
State: CT

Complaint narrative:
I received a mortgage loan with CMG financial on XX/XX/XXXX for {$920000.00}. On XX/XX/XXXX I wired a lump sum of {$770000.00} with instructions that it go towards outstanding principal. I made a {$7400.00} scheduled mortgage payment on XX/XX/XXXX. The processing of that payment did not reflect my outstanding principal amount of {$150000.00} so I was charged interest in excess for the month of XXXX of {$5000.00}. XXXX XXXX I received notification of the payment distribution from the XX/XX/XXXX wire transfer leaving me with a {$150000.00} principal balance. I also received a receipt for the XX/XX/XXXX payment displaying their error in excess interest charged and was also notified that my loan was being sold to another servicing company for {$910000.00}. I reached out to XXXX to fix their multiple errors as my loan should have transferred to the new servicing company at around {$140000.00} to reflect their corrections and they failed to correct these mistakes. After XXXX week I was finally credited the {$770000.00} payment but I still have yet to receive credit for the excess interest charged for the month of XXXX or the excess pre-payed interest for the last 4 days in XXXX. I have been trying to recast my loan with my new servicing company for XXXX week but am unable to as XXXX has not corrected their mistakes and either credited me for my payments or given me a check for the difference. This is resulting in a continued excess outstanding principal through my new servicing company and an excessive financial burden to me and my family. I have spent at least XXXX hrs thus far communicating with XXXX and my new servicing company cenlar to get my money credited back that XXXX has essentially stolen from me. I have sent error resolution letter dated XX/XX/XXXX to XXXX and have received nothing in writing back from them acknowledging the error resolution request. I have received nothing in writing that they need extensions to fix my error resolution request as it has been well over XXXX days since that letter was received. It is now XX/XX/XXXX and I am still waiting for corrections to recast and lower my payments with my new servicing company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: NC

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am submitting this complaint against Resurgent / LVNV Funding LLC XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX for continued collection and credit reporting of an alleged debt in the amount of {$1200.00} ( account ending in XXXX ) without providing proper validation as required under Section 809 of the FDCPA ( 15 U.S.C. 1692g ). Despite my written demand for validation, the company failed to provide the legally required evidence of debt ownership, including the original signed agreement, full accounting, original creditor identification, and proof of assignment. Instead, they continue to report this debt to the credit bureaus, violating my rights under the FDCPA, FCRA 611 ( 15 U.S.C. 1681i ), and the California Rosenthal Act 1788.17. This account must be immediately removed from all credit reporting agencies pending proper validation. I request enforcement action to ensure Resurgent / LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX ceases all collection and reporting activity until full compliance with federal and state law is achieved. Requested Resolution : Deletion of all tradelines and written confirmation of compliance with the FDCPA and FCRA. Sincerely, I am submitting this complaint against LVNV Funding LLC for continued collection and credit reporting of an alleged debt in the amount of {$1600.00} ( account ending in XXXX ) without providing proper validation as required under Section XXXX of the FDCPA ( 15 U.S.C. 1692g ). Despite my written demand for validation, LVNV Funding failed to provide the legally required evidence of debt ownership, including the original signed agreement, full accounting, original creditor identification, and proof of assignment. Instead, they continue to report this debt to the credit bureaus, violating my rights under the FDCPA, FCRA 611 ( 15 U.S.C. 1681i ), and the California Rosenthal Act 1788.17. This account must be immediately removed from all credit reporting agencies pending proper validation. I request enforcement action to ensure LVNV Funding ceases all collection and reporting activity until full compliance with federal and state law is achieved. Requested Resolution : Deletion of all tradelines and written confirmation of compliance with the FDCPA and FCRA. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: WA

Complaint narrative:
The accounts are showing open. Many of them. They are showing up on my credit report even though it's a XXXX balance. They still show is open and show up as many accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
On XX/XX/XXXX, I submitted a written dispute to a collection agency regarding alleged debts they claim I owe. To date, I have not received any response, acknowledgment, or proper validation of these debts.

Under 15 U.S.C. 1692g ( b ) ( FDCPA ), I am entitled to request validation of any alleged debt. I formally requested the following information : The amount of the debt The name of the original creditor Documentation proving that I am legally obligated to pay this debt To this day, the collection agency has not provided full validation and continues to report the alleged debt to credit bureaus. This violates both the FDCPA and FCRA 611 ( a ), which require accurate and verified reporting.

Relevant case law supports these rights : Hinkle v. Midland Funding, LLC, 827 F.3d 1295 ( 11th Cir. 2016 ) : Debt collectors must provide proper validation ; reporting unverified debts can create liability.

Cline v. Midland Credit Management , Inc., 2017 WL 3917063 ( D. Kan. 2017 ) : Collection agencies are liable under the FCRA for reporting inaccurate or unverifiable information.

Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) : Credit agencies must conduct reasonable investigations and are liable for failing to comply.

Despite these legal requirements, I have not received legitimate proof of the alleged obligation, nor confirmation that reporting has been suspended pending validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-10-10 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:
PLEASE BLOCK AND REMOVE. 
This account has been reported in error and must be deleted immediately. I never authorized it. Verification documents are included.

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 2025-10-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC
State: WA

Complaint narrative:
I sold my home and have been released from the loan since XX/XX/XXXX. The company sent an email requesting me to update my mailing address. I tried to do so, and am unable to do so because my account is no longer a customer account as my loan is closed. I tried on the website, there is no edit button for non-customers without an active loan. Every time I follow the instructions given to me to update the mailing address, they are invalid and I am unable to update the mailing address. There is no possible or reasonable way to contact the company. It is impossible for me to believe that in the year XXXX it is considered appropriate to wait on hold for over XXXX hours just to update a mailing address, surely something that should be done on a portal in less than 60 seconds. Unacceptable. At this point the company is choosing to be dense and hold my escrow account refund check hostage as thy are pretending I am not trying to update my address. Believe me, I am trying, and I am demanding my own money be returned to me rightfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: CA

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX unlawfully ran my credit report via the Experian credit reporting agency . I never authorized XXXX XXXX XXXX to run my credit. XXXX XXXX XXXX violated USC 15 1681 ( n ) and USC 15 1681 ( o ).

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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation