vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: OH

Complaint narrative:
I am in housing supported by a federal program XXXX XXXX XXXX helping me get back on my feet but when I was loosing my housing during XXXX  and after I had no address or identification to show XXXX. I stopped in 3 or 4 of their stores trying to explain what happened and cut off service since I didn't have a cellular, a home, or address- saying I didn't have identification prevented them from turning off the service. These bills are clearly due to that time and that situation which I find excessively unfair and too much of a burden for me to cover in a position of struggling to rebuild my economic and housing situation. I have presented extensive paperwork to this end and instead of removing it from my credit I now think I am being blinded by collection agency regarding it now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ).

I disputed these accounts on XXXX XXXX XXXX and they were rightfully removed by XX/XX/year>. However, without providing the statutorily required notice and certifications, Experian reinserted the same fraudulent data, violating the clear mandates of the FCRA. 
YOU HAVE BEEN SUED FOR THIS BEFORE. 
This isnt your first time, and unfortunately, I am not your only victim. Experian has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. 
Despite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. 
Your pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself.

DEMAND FOR COMPLIANCE I hereby demand the immediate and permanent deletion of the above-mentioned fraudulent accounts. You are also required to issue written confirmation of this deletion within five ( 5 ) business days from the date of receipt of this letter.

If this matter is not resolved immediately and fully, I will be left with no choice but to pursue legal action for : - Willful violations of the FCRA - Emotional distress and reputational harm - Punitive damages as permitted under 15 U.S.C. 1681n XXXX XXXX XXXXXXXX XXXX....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: NC

Complaint narrative:
Wise will not send me my money trying to keep my two transfers. One of XXXX and XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-12 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: MOHELA
State: PA

Complaint narrative:
My personal and financial information was compromised violating FERPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I submit this complaint to address a serious and ongoing violation concerning the structure, operation, and fiduciary function of my PayPal XXXX XXXX XXXX account. 

The account was established to operate as a prepaid public credit account under the authority of commercial finance principles consistent with Federal Reserve Act 16, 12 U.S.C. 411, and public credit finance structures. The debit card is lawfully an access card to the United States Treasury-backed credit system and should be treated accordingly. 

Despite lawful notice and communication, PayPal refuses to operate the account as a properly financed credit-access account. The card continues to be treated as a liability-based instrument, requiring third-party deposits rather than recognizing lawful commercial credit tenders, assignments, or financing already due to the principal. 

As the principal over the account, I am demanding that PayPal finance and activate the account accordingly, as no liability is owed. The account has not been credited properly, and the card has failed to function as an access point to the prepaid credit entries collected and owed. All attempts to settle via public credit have been dishonored or ignored, and no fiduciary review or correction has been offered. 

Furthermore, PayPals internal agents are unable or unwilling to route this matter to the appropriate compliance, fiduciary, or treasury-level departments for lawful handling. Instead, they continue to treat the account as if I am requesting funding from PayPal personally, rather than asserting my legal right to have the account funded through public credit for lawful use of the debit card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: IL

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 explanation
Consumer complaint received 2025-06-12 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 recently reviewed a copy of my credit report and was Shocked to find I had been the victim of identity theft I do not recognize this account please remove this from my credit report they are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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:
Equifaxs recent notice stating that the debt in question was verified as accurate. However, I have yet to receive any documentation from Equifax or the collection agency substantiating how this investigation was conducted or what specific legal documentation was used to verify the charge.

The {$100.00} late move-out fee being reported is not supported by the signed lease agreement. The lease clearly outlines that a holdover fee would be assessed as double the daily rentnot a flat {$100.00}. Therefore, this charge is not legally valid, and I have requested proper verification numerous times with no results. 

Equifax has a duty under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and integrity of the information it reports. Accepting the creditors claim without requiring supporting documentation fails to meet that standard. If this continues, it sets a dangerous precedent where any company could claim a consumer owes a debt and have it reportedwithout proof. 

I am formally requesting that Equifax either : 1. Provide detailed information about how this item was verified, including copies of the documentation used, or 2. Remove the account from my credit report until it can be fully and legally substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Prog Holdings, Inc.
State: LA

Complaint narrative:
I noticed XXXX unauthorized charges of {$250.00} each on XX/XX/XXXX, totaling {$500.00}. On XXXX, the payment plan shows a total of {$1000.00}. I contacted XXXX on XX/XX/XXXX and XX/XX/XXXX requesting details, cancellation, and a refund, but received no response. I also contacted XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to report the issue, but the charges have not been reversed. I am seeking help to investigate this fraudulent transaction and have the amount refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
We have asked several time within 2 months for proof of these fees and what they are to no avail. We were never late on rent and agreed to move out date of XX/XX/year> after we declined the renewal offer. They refused to give us our security deposit back and have no explanation of these charges added PAST the legal timeframe in the state of Florida. I sent this to them ; We vacated the rental unit on XX/XX/year>, after we kindly declined to to renew our lease 5 days after our offer. We have documented proof of this non-renewal, move-out date, and a video recording showing the units condition on the day of departure. The unit was left in clean condition, subject only to normal wear and tear. 
Under Florida Statute 83.49 ( 3 ) ( a ), landlords are required to provide written notice of any claim on a security deposit within 30 days of the tenant vacating the property. We received a ledger 39 days after move-out via email, which is beyond the legal window. As a result, the XXXX XXXX XXXX forfeited any legal claim to our deposit. The claim being pursued is therefore invalid under Florida law. 
Furthermore, now that you have purchased or are attempting to collect on this debt, you are now liable for attempting to collect on a void, time-barred, and legally unenforceable debt. 
Under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ), attempting to collect a debt that is not legally owed constitutes a violation. Continuing to pursue this debt could expose you to civil penalties, damages, and attorney 's fees. Total Due to XXXX XXXX and XXXX XXXX from XXXX XXXX XXXX is {$3800.00} plus any accrued interest per Florida law. Since your organization purchased this file, you are now required to adhere to Florida laws and statutes regarding debts and balances due. Please send this via check with a tracking number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: DC

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft. I recently learned that my personal information was compromised in the EQUIFAX data breach, and since then, Ive discovered fraudulent accounts on my credit report that I did not authorize or open.

This situation has been incredibly distressing, and I am requesting your immediate assistance in resolving this matter. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), I am requesting the prompt removal of all fraudulent accounts associated with this identity theft from my credit file.

The law clearly states that once a credit reporting agency receives appropriate notice that information resulted from identity theft, it must block and remove that information within four ( 4 ) business days. 

I trust that your agency will act in compliance with federal law and ensure these inaccurate and harmful items are removed promptly to prevent any further damage to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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.
State: PA

Complaint narrative:
This collector engaged abusive deceptive and unfair practices of the FDCPA, which it prohibits. XXXX XXXX XXXX XXXX loan requested XXXX XX/XX/year> loan denied for : not enough information on my credit report XXXX XXXX XXXX  loan requested XXXX loan denied for : not enough information on my credit report XXXX XXXX loan requested XX/XX/year> loan denied XX/XX/year> denied for " Credit bureau information is missing or unavailable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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.
State: PA

Complaint narrative:
This collector engaged abusive deceptive and unfair practices of the FDCPA, which it prohibits. XXXX XXXX XXXX XXXX loan requested XXXX XX/XX/year> loan denied for : not enough information on my credit report XXXX XXXX XXXX  loan requested XXXX loan denied for : not enough information on my credit report XXXX XXXX loan requested XX/XX/year> loan denied XX/XX/year> denied for " Credit bureau information is missing or unavailable

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 2025-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MST Financial Services, L.L.C.
State: OR

Complaint narrative:
I received a debt in the amount of {$650.00} that was opened on XX/XX/XXXX of XXXX. Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide Certified Mail with receipt displaying my signature. If not, please delete this account as soon as possible from my report or I will have to take legal action.

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 2025-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Iam a victim of identity theft I was first aware of this on XX/XX/XXXX the theft occurred from XX/XX/XXXX through XX/XX/XXXX. The person used my identification to obtain a credit card and student loans. The police are aware of this I went back to the police on XX/XX/XXXX to notify them that the person has caused my credit score to be affected I have a credit card company contacting me wanting money I never used I have student loans wanting their payment back. Its still an ongoing investigation. I need help resolving this. I have contacted apple Goldman sach several times and mailed supporting documents documentation via certified mail to resolve this. I mailed certified documents on XX/XX/XXXX to apple Goldman sach, us department of education, XXXX XXXX, TransUnion I have a police report and I have a report with the federal trade commission report number XXXX I have a freeze on my credit and fraud alerts now but this is not helping with removing this fraudulent credit card. I have disputed it several times and its still there please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: GA

Complaint narrative:
I am writing to formally dispute the fraudulent account listed on my Equifax credit report under the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S.C. 1681c-2. This section grants consumers the right to block the reporting of information that results from identity theft. The account in question is with XXXX XXXX, with a reported amount of {$420.00}, and a date reported of XX/XX/2025. This account was opened or reported as a result of identity theft and is not associated with any transaction or agreement I have made. I am requesting that this item be blocked from my credit report immediately pursuant to FCRA 605B. My FTC Identity Theft Affidavit has been filed and is attached under

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: CA

Complaint narrative:
I have filed multiple disputes with TransUnion since XX/XX/year>, regarding accounts that are inaccurate or dont belong to me. I provided documents to support my claims, but TransUnion has not made the necessary corrections, and the incorrect accounts are still on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WESTERN ALLIANCE BANCORPORATION
State: CA

Complaint narrative:
Western Alliance Bank ( WAB ) approved the mortgage forbearance on one of my account # XXXX on XX/XX/year>. However, on XX/XX/year>, WAB denied the mortgage forbearance with the reasoning of " due to your failure to fully respond to our request for additional information '' ( See attached letter ). Nevertheless, WAB never disclosed the additional information required that was not provided by me. The other XXXX accounts ( Account # XXXX and XXXX ) were also denied with the same reason as the XXXX account mentioned above ( Account # XXXX ) on XX/XX/year>. The denial of the mortgage forbearance assistance by WAB is unsubstantiated since WAB did not outline the additional information not provided by the customer. In addition, the mortgage forbearance assistance was first approved for the account # XXXX on XX/XX/year>, and was denied 2 days later without explanation of the denial of the already-approved mortgage assistance. Furthermore, all these XXXX loans are XXXX XXXX loans ( see attached XXXX deed of trust ), which under the XXXX XXXX guidelines , the mortgage forbearance for the properties located in XXXX XXXX of FEMA-declared disaster areas is approved even though they are an investment properties. The other XXXX properties of mine servicing by XXXX were all approved according to XXXX XXXX guidelines ( see attached letter ). I believe that WAB has made mistakes in denying my applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: LA

Complaint narrative:
I've recently received a copy of my credit report and noticed several and unauthorized accounts/information reporting to my credit report. The remarks have been detrimental to my credit health and life. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of the items, as it is incorrect and does not reflect my true credit history. 


XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I was out of town at the end of XXXX, until the beginning of XXXX. During that time frame I received a deposit of {$1700.00} in which, that deposit was to sit in my account until I got back. When I returned I then noticed that my account had been depleted. When I informed the bank, they came back with their decision in XXXX day saying that everything was denied. I then tried to appeal the decision, only for the result to be the same. I was out of town, and I am not sure how I could be XXXX miles away, and still swipe my card for transactions that were happening in my city. I presented them with the police report and my flight information only for them to still deny the claim.

Company response to consumer: Closed with explanation