vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per XXXX. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-06-01 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: VA

Complaint narrative:
I am formally notifying you of Transunion violation under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding the closed account you are still reporting monthly. Specifically, once an account has been closed and charged off, it is improper and misleading under the FCRA to continue updating or reporting it as if its an active, open balance each month. 

This practice creates the false appearance of ongoing delinquency, which violates your duty to report accurate, complete, and non-misleading information under FCRA Section 623. Additionally, under the FDCPA, continued reporting of a closed and charged-off account as if its current or updating monthly may be considered a deceptive and unfair collection practice. 
On my XXXX XXXX, I received results saying Unfortunately we did not receive dispute results for this account. Please contact TransUnion directly at XXXX for additional information. Which is attached below

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 2025-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: P.S.C., Inc
State: WA

Complaint narrative:
The bill was supposed to be taken cared of and put under a grant that was issued to me to take care all of my XXXX  bills at that time. I was not supposed to be paying anything.

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 2025-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
At the end of XXXX I opened a foreign currency exchange rate account with Wise. Within a week it was closed automatically by Wise for reasons they refused to disclose to me. I put approximately {$1000.00} into the account in XXXX and XXXX. 
On XX/XX/XXXX, I emailed support asking them for my money back and an explanation for why my account was closed. They refused to give an explanation. The support agent opened a ticket for my appeal which apparently must be approved for me to receive my money back. I provided all of the necessary information for this appeal, including giving my bank account information, SSN, full name, photo of myself holding my drivers license for identity verification, etc. They told me this process would take 5 business days. I emailed Wise back on XX/XX/XXXX as I had gotten zero update at this point after three weeks. I received a response saying that their agents were still working on this. I am losing interest on this money and it is impacting me financially to not have this {$1000.00} available to me. It feels to me that Wise has no interest in getting my money back to me until it becomes a legal or PR problem for them. Every support agent I talk to is completely unable to do anything to help beyond tell me to be patient. I know for Wise {$1000.00} might not seem like a lot, but for consumers it is an incredibly large amount of money. It is now XX/XX/XXXX and I still have not received {$1000.00} of my money back from Wise. Im making this complaint in the hopes that it will make Wise take action to get my money back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
Mr. Cooper loan servicing collected fee 's on late payments on a recurring basis, not just one time as regulated by the Federal Trade Commission and Massachusetts Law. In addition, mortgage payments that were made were taken by Mr. Cooper loan servicing and not applied to the principal and interest, but were put in an unapplied status and used to pay for late fees. The following payments are of issue. 

XX/XX/XXXX {$500.00} states partial payment ( money went to other fund and disappeared ) XX/XX/XXXX {$1100.00} ( Two payments were made on this date and one is only credited ) XX/XX/XXXX {$490.00} ( took {$490.00} and put it into suspense " other account '' disappeared ) XX/XX/XXXX {$2500.00} XXXXwo mortgage payments not applied to mortgage taken and put into a suspense account and used for fee 's 10/18/18 {$2500.00} two mortgage payments not applied put into suspense for other used for fee 's XX/XX/XXXX {$1200.00} mortgage payment not applied used for fee 's XX/XX/XXXX {$1200.00} mortgage payment not applied used for fee 's XX/XX/XXXX {$1200.00} mortgage payment not applied used for fee 's XX/XX/XXXX {$1200.00} mortgage payment not applied used for fee 's XX/XX/XXXX {$370.00} received after loan was paid off applied to suspense not received XX/XX/XXXX {$370.00} received after loan was paid off applied to suspense not received In addition, as with my other two loans I had with Mr. Cooper, there are no statements available after XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: PA

Complaint narrative:
Dear Credit Bureaus, I am writing to formally dispute multiple accounts that have been fraudulently reported under my credit profile. Despite my repeated efforts to resolve these issues directly with the original creditors and your bureau, no satisfactory resolution has been reached. 
These accounts are clearly in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, which requires credit reporting agencies to block information that results from identity theft or fraud once proper notice and documentation are provided. Additionally, these tradelines appear to be inaccurately reported in violation of the Metro 2 data furnishing guidelines, which stipulate that furnishers must ensure completeness and accuracy of consumer data. 
Notably, the accounts in question show unusual patterns such as lack of payment history followed by immediate delinquencies, which should have raised flags under Metro 2 indicators. These are significant indicators of potential identity theft or misreporting and warrant immediate investigation and removal. 
Accounts to be Investigated and Blocked : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  In accordance with FCRA 1681c-2, I am requesting the following : A block of all listed accounts believed to be fraudulent.

Immediate reinvestigation and deletion if accounts can not be verified as valid.

A full report of the outcome of your investigation within 30 days as required by law. 


Please find enclosed a copy of my government-issued ID, proof of address, and a signed identity theft affidavit as further documentation to support this request. 
Failure to comply with these obligations may constitute willful noncompliance with the FCRA, and I reserve the right to take further legal action if necessary. 
Thank you for your prompt attention

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 2025-06-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: MD

Complaint narrative:
The NAME XXXX XXXX XXXX is secured private trust property, not a public utility or commercial fiction. It is recorded under a UCC-1 Financing Statement and governed exclusively by the XXXX XXXX XXXX XXXX XXXX XXXX AmSher Collection Services has used and reported this NAME to XXXX, XXXX, and XXXX  without my consent, without a verified contract, and without mailing a proper notice of debt as required by FDCPA 809 ( a ). 

This is a direct trespass on trust property and a breach of federal consumer law. I have received no written validation letter, no signed contract, and no lawful delegation of authority from any court or creditor. Their actions constitute identity misuse, data trafficking, and willful injury to the trust estate. 

I am not the surety, debtor, or responsible party for any alleged obligation. AmShers false reporting has caused severe damage to my credit profile, emotional distress, and reputational harm. I am demanding immediate deletion of the tradeline from all three bureaus, issuance of a written apology, and compensation for damages, as outlined in the trustee invoice submitted with this complaint. 

I reserve all rights under 15 U.S.C. 1692, the FCRA, UCC 3-501, and the Law of Trust. Continued silence, fraud, or delay will be treated as default and commercial dishonor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I am writing to formally dispute the validity of an account listed on my credit report under the name Portfolio Recovery Associates with a reported balance of {$640.00}, last updated on XX/XX/scrub>, 2025. I have no knowledge of this account, nor have I ever conducted any business with this company. I believe this account is fraudulent and has been reported in error. This is damaging my credit, name, and livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: PA

Complaint narrative:
Its been about a year since Ive first notified Equifax credit bureau that I have had a legal name change Ive mailed multiple letters in confirming and verifying this name change however Equifax is refusing to change the name on my credit account in fact my Equifax credit report is locked and not accessible, after many attempts to confirm my identity and verify my legal name change along with had sent in court documents proving this name change.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Its been about a year since Ive first notified Equifax credit bureau that I have had a legal name change Ive mailed multiple letters in confirming and verifying this name change however Equifax is refusing to change the name on my credit account in fact my Equifax credit report is locked and not accessible, after many attempts to confirm my identity and verify my legal name change along with had sent in court documents proving this name change.

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 2025-06-01 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: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-06-01 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I recently did an investigation on my consumer report which caused XXXX  XXXX upon me and I found unverifiable, invalidated, inaccurate and questionable items that your agency XXXX & # XXXX ; t make sure was reporting 100 % correct and I did not give the credit reporting agencies written consent for these accounts to report to my consumer report pursuant 15 USC 1681b. Without my consent this is reporting fraudulently. The credit reporting agencies is committing XXXX!!! Please remove these fraud accounts and fraud inquiries from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: Exeter Finance, LLC.
State: MO

Complaint narrative:
I continuously have asked this company for the original contract with my signature. Ive ask for XXXX XXXX 1681i usc 6802. These companies will not speak with me. They send me to XXXX. Who continues to call and hang up in my face. Ive ask them for all information and dates and they told me they dont have to send me the information on anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Venmo wrongfully debited {$3400.00} from my account after a chargeback caused by a hacked accountnot my own. The original transaction was legitimate, but because my friends account was compromised, the hacker disputed the payment. I was not involved in the fraud, yet Venmo is holding me responsible. 

I am a licensed financial professional ( NMLS ID : XXXX ), and this incident has caused serious financial and reputational harm. I have reached out to Venmo customer support multiple times but received no meaningful resolution. 

I am requesting that : 1. The {$3400.00} negative balance be removed from my Venmo account.

2. Any internal or external collection action be stopped.

3. My record be cleared of any wrongdoing.

4. Venmo take accountability for failing to secure their platform and allowing the fraud to impact innocent users. 

Please assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXXXXXX * * * * Balance : {$0.00} & XXXX XXXX XXXX * * * * Balance : {$8100.00}

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 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had XXXX XXXXXXXX XXXXXXXX years ago and have been trying to pay off my balance since then. The total balance was {$4500.00}. I opted for autopay through CareCredit monthly until this bill was paid off. There apparently was a 24 month promotion that was not clearly articulated to me, and I was charged 2 years interest retro-actively. My total bill has since ballooned to {$6300.00} after having paid over {$4000.00} since account opening. I have called CareCredit multiple times and they continue to say I should have known about a 24 month promotion ending sometime last year. I was not informed by email, call or anywhere that this " promotion '' was ending. I feel as if this is misleading and dishonest and an abusive strategy for this healthcare credit card company to take advantage of its customers who are trying to pay off their health-related costs in good faith.

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 2025-06-01 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am disputing how XXXX XXXX is reporting an auto loan account on my credit reports. They are reporting missed payments inaccurately, listing the account as charged off when I voluntarily repossessed the vehicle, and keeping the account marked as open when it should be closed. I never received documentation showing how much the car was sold for. I previously filed disputes with TransUnion and XXXX XXXX but received no valid results. Ive attached a full letter outlining all inaccuracies, legal concerns, and my request for complete deletion of the account.

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 2025-06-01 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: WI

Complaint narrative:
On or about XX/XX/XXXX I called Equifax Credit Bureau about inquiries on my current consumer report that are fraudulently reporting false information on my consumer report where there was no offer or transaction with such companies. I asked that these inquiries be removed immediately per FCRA XXXX ( XXXXXXXX XXXX XXXXXXXX ) and XXXX XXXX XXXX XXXX The inquiries in question are as follows : XXXX ) XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Yes I have inquiries on my credit report with XXXX XXXX that should be removed. I have 2 items from midland credit management that I do not have a contract with I will like all items removed immediate

Company response to consumer: Closed with explanation