vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity
theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I dispute the Midland Credit Management collection. Midland has failed to provide proof of ownership or original creditor documentation violating FCRA 623 ( a ) ( 3 ). Per 611 ( a ) and 1681i ( a ) ( 5 ) ( A ), unverifiable collections must be deleted from, XXXX, XXXX, and XXXX. The amount of the debt is {$1700.00}. I received a statement from them but nothing showing I signed a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX Date : XX/XX/year> Penn Credit Corporation XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Cease and Desist Account [ XXXX ] To Whom It May Concern : I am formally notifying you, under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., that you must immediately cease all communication with me regarding the above-referenced account.

Your companys actions have already violated provisions of the FDCPA, including but not limited to : 15 U.S.C. 1692c ( a ) ( 1 ) Contacting a consumer at unusual or inconvenient times or places.

15 U.S.C. 1692c ( c ) Failing to cease communication after written notice.

15 U.S.C. 1692d Engaging in conduct intended to harass, oppress, or abuse.

15 U.S.C. 1692e Using false, deceptive, or misleading representations in connection with collection of a debt.

Be advised that any further communication with me, except as specifically allowed under 15 U.S.C. 1692c ( c ) ( such as to confirm termination of collection efforts or to notify me of specific legal action ), will constitute additional violations of federal law and subject Penn Credit Corporation to legal liability.

You are hereby directed to : Cease all communication with me and any third parties regarding this account.

Provide written confirmation that you have complied with this request.

Refrain from any further actions that may constitute violations of the FDCPA or other applicable consumer protection laws.

Failure to comply will leave me no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, as well as pursuing private legal action for damages.

This letter is written without waiver of my rights, claims, or defenses under state and federal law. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Simon's Agency, Inc.
State: PA

Complaint narrative:
On XX/XX/year> I spoke to someone at Simon XXXX. Concerning charges that is on my credit for {$2300.00}. And is lowing my credit score. And when the lady gave me the dates, quotes, place, and what they were for. I explain to her that wasn't me. And she responded that they doesn't have anything to do with that not being me. And that I had to pay that bill. And I politely said ok Ms . I'll call you back. And she disconnected the call

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: SC

Complaint narrative:
I am writing to file a formal complaint against XXXX regarding the handling of my credit report, specifically related to reporting between XXXX to XXXX. Despite my repeated disputes and requests for validation of the debt listed, XXXX  has failed to properly validate the debt, and this ongoing failure constitutes violations of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Background : I have submitted multiple disputes to XXXX regarding an alleged debt. Each time, I have requested that they validate the debt as required under the FDCPA, and I have asked for full documentation that proves the legitimacy of this debt. Additionally, I have requested that XXXX  comply with the FCRA by ensuring that the information is accurately reflected on my credit report, in light of my ongoing disputes. 

Issues : Failure to Validate Debt : Despite my repeated requests for debt validation, XXXX has failed to provide the required documentation supporting the debt in question. Under Section 809 of the FDCPA, I am entitled to receive a detailed validation of the debt within 30 days, which I have not received. 

Failure to Correct Credit Report : Under the FCRA, XXXX is required to investigate my disputes and update my credit report accordingly. I have submitted multiple disputes, but the incorrect and unvalidated information has remained on my report, negatively impacting my credit standing. 

Violation of FDCPA : The continued reporting of an unverified debt, despite my clear and timely disputes, is a violation of the FDCPA. I believe XXXX  has failed to follow proper procedures and provide evidence of the debt 's validity, and this has caused me undue harm. 

Requested Resolution : I respectfully request that the Consumer Financial Protection Bureau intervene to investigate this matter and ensure that XXXX  : Validates the Debt in accordance with the FDCPA. 

Corrects my Credit Report by removing any unverified and inaccurate information in accordance with the FCRA. 

Provides Documentation supporting any claims made regarding this debt. 

Complies with Federal Regulations regarding consumer rights under the FDCPA and FCRA moving forward. 

I have attached relevant documentation, including the details of my prior disputes and any responses from XXXX, for your reference. 

Please let me know if any further information is required to process my complaint. I appreciate your attention to this matter and look forward to your assistance in resolving this issue promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I am filing a complaint against PayPal regarding a reserve that was placed on my business account. Without sufficient explanation or proper notice, PayPal placed a {$8500.00} on my account, which is restricting my access to funds that belong to my business XXXX XXXX XXXXXXXX XXXX. 

This action has caused significant financial hardship, including : Inability to access funds to run my business expenses Delays in paying vendors, customers, or bills Lack of transparency or clear communication from PayPal regarding when or if funds will be released Despite my attempts to resolve this directly with PayPal through their escalation team, the reserve remains in place. This has caused a tremendous damage to my business as each of the clients that had purchased through my dealership confirmed receipt of vehicle in our happy with their purchase. The dealership also has contracts and disclosures in place to protect not only the customer, but to protect the dealership as well. PayPal did not inform me that a reservation or reserved account would be placed. It was automatically placed on my account which caused me to not be able to operate my business effectively. They shouldve been communicated with me prior to actually placing a {$8500.00} hold on my account. Instead, PayPal automatically placed it on and said that it is a high risk business although I was able to provide the bill of sale for the two transactions that occurred, business bank statements that show our monthly revenue, documents provided and filed with the Secretary of State showing that it is a legitimate business, as well as my personal information and my identification as a business owner. After several attempts for the last three weeks, I am not getting any resolution except for the fact that I have to wait 120 days before my funds are released.. In any business this is unacceptable as I did not use my personal or business money to establish this reserve account. It was used by one of the transactions that was from a customer who purchased a vehicle from my dealership. Both clients that had purchased had confirmed receipt, as well as stated that they are satisfied with their purchase. At this point again, it is caused a halt in operations and has damaged my business tremendously. PayPal is also very misleading as they sent me an email stating that my funds were available and that Im able to access my Money however, the reservation is still existing on my account. 
I am requesting that PayPal : Immediately release my funds and close my account as I no longer wish to do business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am formally disputing the incorrect personal information that appears on my credit reports. The names, addresses, and/or identifying details being reported are inaccurate, outdated, and not associated with me. This false reporting creates confusion, exposes me to potential identity theft, and prevents the fair and accurate reporting of my credit history. 

Under the Fair Credit Reporting Act ( FCRA ) Section 611, consumer reporting agencies are required to maintain credit files that are accurate, complete, and up to date. Since this personal information is incorrect and unverifiable, I demand its immediate and permanent removal from my credit file across all three bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: AL

Complaint narrative:
I am writing to file a formal complaint regarding a debt that recently appeared on my credit report, which I had no prior knowledge of until I reviewed my credit file. The debt is being reported and collected by Hunter Warfield , Inc. ( Account Number : [ insert if available ] ). 

Upon contacting Hunter Warfield to resolve the matter, I attempted to arrange a payment plan. However, I was informed by one of their representatives that the company would only accept payment in full to resolve the account. Partial payments or payment arrangements were explicitly refused. 

This is concerning for several reasons : I had no knowledge of this alleged debt until it appeared on my credit report, which raises questions about whether proper notice or validation of debt was provided in compliance with the Fair Debt Collection Practices Act ( FDCPA ). 

By refusing to allow reasonable payment arrangements, Hunter Warfield is creating an undue burden on consumers such as myself. I recently returned to work and do not currently have the financial ability to pay this debt in full. I want to make good-faith efforts to resolve the matter, but their refusal prevents me from doing so. 

I am concerned this practice may violate consumer protection laws by unfairly pressuring consumers into paying debts in a manner that is not feasible. 

I respectfully request the CFPB to investigate whether Hunter Warfield has complied with all legal requirements under the FDCPA and Fair Credit Reporting Act ( FCRA ), and to ensure that I am provided with proper documentation and a fair opportunity to resolve this account. 

Thank you for your attention to this matter. I am eager to resolve this debt responsibly, but I believe the collection practices being used in my case are unreasonable and potentially unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I was told my loan office that I had interlock lock on my file I send my license social and my bill several time still cant make a loan bc they claim they didnt receive my documents

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief