vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: MI

Complaint narrative:
Im sending this to all the credit bureau stuff keep popping up on my report thats fraudulent and that is not me I need real protection this is messing my life up financially and this is against the consumer law and I am submitting this formal statement to file a complaint and request immediate intervention regarding two accounts that are currently damaging my consumer credit profile. 

XXXX Account ( Account Number : XXXX ) : This account is closed and should no longer be reporting on my credit file. Its continued presence is misleading, derogatory, and a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, which mandates accurate and complete information from data furnishers. I am demanding this account be removed from all three major credit bureaus Equifax, Experian, and XXXXXXXX immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ) : This collection account was created and reported without my knowledge, consent, or authorization. XXXX XXXX XXXX XXXX began reporting a collection related to XXXX XXXX without validating the debt or notifying me. I only found out about it once it appeared on my credit report. This is a violation of both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), which require proper validation and communication before reporting. 

I am requesting that the Consumer Financial Protection Bureau urgently investigate these accounts and require XXXX XXXX XXXX XXXX  XXXX XXXX to cease and desist from any further reporting or collection activity. These accounts are inaccurate, unfair, and have caused significant hardship for me and my family in seeking credit, housing, and transportation. 

Please accept this as my official personal statement and complaint. I respectfully request the deletion of both accounts and enforcement of my rights under federal consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Date : XX/XX/year>XXXX  To Whom It May Concern, Subject : Dispute of Collection Accounts and Request for Deletion in Accordance with the FCRA I am writing to formally dispute the accuracy and validity of several collection accounts appearing on my TransUnion credit report dated XX/XX/year>, which are negatively impacting my credit profile. The accounts in question include ( but may not be limited to ) : XXXX {$2700.00} XXXX  {$2200.00} XXXX XXXX  {$1300.00} / {$1200.00} / {$610.00} XXXX XXXX {$820.00} XXXX XXXX {$570.00} XXXX XXXX  {$270.00} Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am exercising my right to : Request validation of these debts ( per 1681i ( a ) and 809 of the FDCPA, 15 U.S.C. 1692g ) ; Demand an investigation of the completeness and accuracy of each account ( 1681i ( a ) ( 1 ) ) ; Be informed of the results within 30 days ( 1681i ( a ) ( 5 ) ) ; Request deletion of any unverifiable, inaccurate, or outdated items ( 1681c ( a ) ).

I am requesting that you : Provide documented validation of each collection account, including : Original creditors name and account Full payment history Contract with my signature Proof of legal ownership of the debt ( chain of custody ) Remove any account you can not fully validate within 30 days from all three credit bureaus ( TransUnion, XXXX, and XXXX  ) in accordance with FCRA 1681i ( a ) ( 5 ) ( A ).

Failure to provide proper documentation or to delete unverifiable information constitutes a violation of the FCRA and FDCPA. Should that occur, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and consider pursuing further legal remedies. 

This letter serves as a formal dispute notice and debt validation request. Please mark each account as in dispute on my credit reports per 1681s-2 ( a ) ( 3 ) during the investigation.

Please respond in writing to the address listed above within 30 days as required by law. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-25 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: TN

Complaint narrative:
To Whom It May Concern : RE : URGENT Request for Investigation and Removal of Fraudulent Address from Credit File I am writing to formally dispute the presence of the following address listed on my credit report. I have never authorized or consented to this address being associated with my identity or credit file, and I believe it may have been added fraudulently or in error : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX This address is not and has never been my legal residence. I do not have any credit, financial, or personal ties to this location, and I am concerned that its presence on my credit report may be the result of identity compromise or reporting error. It is imperative that this address be removed from my file immediately. 
In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation into how this address came to be listed on my report, and I demand its prompt removal from all associated records. 

Section 611 ( 15 U.S. Code 1681i ) Section 605B ( 15 U.S. Code 1681c2 ) Section 609 ( 15 U.S. Code 1681g ) Section 609 ( e ) ( 15 U.S. Code 1681g ( e ) ) I have enclosed the following for identity verification : - A recent utility bill and bank statement showing my current, correct address Due to the time-sensitive nature of my current housing situation, I respectfully ask that you expedite this matter and provide written confirmation once the address has been fully deleted from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland Credit Management Harassing and using abusive tactics by calling everyday from XX/XX/scrub>XXXX XXXX XXXXXXXX and leaving voicemails when not able to get ahold of me. I told the rep when speaking to him to please send me a validation of the debt, to show they are the original due holder. Rep used manipulative practices by saying I could log into portal and see those documents, plus those documents were sent to me in the mail. 

Another rep stated I am trying to avoid paying my debt and is this a tactic to avoid paying the debt by requesting the validation of the debt as many people do this to get out of paying what they owe. I proceeded again tell the rep, please just send me the documentation. I also inform the rep calling me during my working hours were unacceptable and rep stated their hours fell within my working hours, so they'll be calling me during that time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Central Research Inc
State: AL

Complaint narrative:
I am resubmitting this complaint because CRIs response did not adequately address the issue, and the derogatory credit reporting was the result of a servicing failure during the loan transfer process. 

My Department of Education student loans were transferred to CRI on XX/XX/year>, but I never received a welcome letter, and I was not made aware that my autopay had been deactivated or that a payment was due on XX/XX/year>. 

CRI did not contact me in any meaningful way between XXXX and XXXX. No reminders, statements, or alerts were received. I only learned of the delinquency after seeing the damage on my credit report. 

By the time I logged in and made my payment on XX/XX/year>, my account had already been reported 90 days late as of XX/XX/year>. 

I believe this is an unfair and inaccurate reflection of borrower intent and due diligence. The transfer forbearance is meant to protect borrowers during transition, not set them up for failure. I had previously been in good standing and enrolled in autopay. CRI failed to provide reasonable communication, failed to notify me of the need to set up payments, and took no steps to alert me before severe credit damage was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/year>, I received a refund of {$600.00} through XXXX, sent to my XXXX debit card ending in XXXX. The transaction was marked complete by XXXX ( Transaction ID : XXXX ), but the money has never arrived in my bank account. 

I have contacted XXXX XXXX, and they confirmed that they have not received any refund matching this transaction. I have contacted XXXX  support multiple times over the last 30 days with no absolutely resolution. 

XXXX  claims the money was sent, but XXXX can not find the deposit. I am requesting this be escalated, traced, or reissued as I have been without my refund for over a month. 

I am seeking immediate action to recover the {$600.00} refund that was never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX | XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau Subject : Formal Credit Dispute Identity Theft from Verified Data Breaches Dear CFPB Representative, I am submitting this formal dispute due to multiple fraudulent and inaccurate accounts listed on my credit report, which I believe are directly related to well-documented data breaches at XXXX  ( XXXX ), XXXX  ( XXXX ), and XXXX ( XXXX ). These breaches exposed both my personal and small business data, which has since been used maliciously. 

As a result, the following accounts have appeared on my TransUnion credit report and are negatively impacting my credit : XXXX. XXXX. LVNV Funding LLC Acct XXXX. XXXX XXXX {$910.00} XXXX. XXXX. XXXX XXXX XXXX Acct XXXX. XXXX XXXX {$700.00} XXXX. XXXX. XXXX XXXX XXXX Acct XXXX. XXXX XXXX {$13000.00} XXXX. XXXX. XXXX XXXX Acct XXXX. XXXX 60 days late XXXX. XXXX. XXXX XXXX Acct XXXX. XXXX Opened post-breach These accounts were not opened, authorized, or used by me. I am a victim of identity theft, and these entries were fraudulently created or reported using my compromised information. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request the following actions : Immediate removal of the listed accounts from my credit file. 
A corrected version of my credit report. 
A written response confirming the results of your investigation. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Quantum3 Group, LLC
State: TX

Complaint narrative:
QuantumXXXX is representing XXXX XXXX as a debt collector. Neither of these companies have not tried to work with me regarding a loan I for solar panels. I have several problems with these companies : 1. I only have a few solar panels on the back of my home. However the price I've been charged is over $ XXXX which is more than the average amount. I believe i was deceived. 

2. Even though I notified these companies and tried to work something out, they refused to work with me. This added, excessive debt along with other family issues caused me to file bankruptcy.

3. Currently, these companies are trying to reverse my bankruptcy and cause it to get dismissed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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 am formally disputing the accuracy and validity of the following account listed on my credit report. I assert that these items are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX XXXX Balance {$610.00} DATE OPEN : XXXX XXXX XXXX XXXX XXXX {$2800.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} DATE OPEN : XXXX XXXX XXXX  XXXX Balance {$840.00} DATE OPEN : XXXX XXXX  XXXX Balance {$0.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX : XXXX XXXX  XXXX XXXX Balance {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX Balance {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX Balance {$0.00} DATE OPEN : XXXX XXXX  XXXX XXXX XXXX {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX XXXX Balance {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX Balance {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX XXXX Balance {$0.00} DATE OPEN XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} DATE OPEN : XXXX XXXX  XXXX bankruptcy : Bankruptcy Reference Number : XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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:
I am formally disputing the accuracy and validity of the following account listed on my credit report. I assert that these items are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX XXXX Balance {$610.00} DATE OPEN : XXXX XXXX XXXX XXXX XXXX {$2800.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} DATE OPEN : XXXX XXXX XXXX  XXXX Balance {$840.00} DATE OPEN : XXXX XXXX  XXXX Balance {$0.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX : XXXX XXXX  XXXX XXXX Balance {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX Balance {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX Balance {$0.00} DATE OPEN : XXXX XXXX  XXXX XXXX XXXX {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX XXXX Balance {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX Balance {$0.00} DATE OPEN : XXXX XXXX XXXX XXXX XXXX Balance {$0.00} DATE OPEN XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} DATE OPEN : XXXX XXXX  XXXX bankruptcy : Bankruptcy Reference Number : XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XX/XX/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 non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Back in XX/XX/XXXX, NewRez issued a mortgage statement ( attached as evidence ) indicating they had started charging me {$240.00} for lender-placed insurance that I never needed. After much back and forth, NewRez agreed to refund that erroneous fee in full. 

Twelve months later, in XX/XX/XXXX, with no refund check in sight, I had no choice but to file a CFPB complaint ( ID XXXX ). In response, NewRez promised to have a new check issued. However, they also got the refund amount wrongdespite their own statement showing a charge of {$240.00}, their CFPB response listed a different amount of {$210.00} without explanation. 

Now, more than six months after NewRez 's promise to correct the issue, no refund check has been received as of the date of this message.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
I was served a summons for a debt I did not take out, with a signature that is not mine. According to the paperwork, the loan was taken out on XX/XX/XXXX, and the last payment was on XX/XX/XXXX. The file was signed XX/XX/XXXX. I have not received any money and do not recognize the signature on the original contract. The original loan on the contract is for {$3200.00} and the summons is demanding I pay {$2600.00} Case number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I am a PNC Bank customer ( account ending XXXX ). 

On XXXX XXXX XXXX, I made a purchase at XXXX XXXX in XXXX, TX using my PNC Bank debit card. My total was {$67.00}, and I added {$4.00} cash back to make it an even {$80.00}. I signed the receipt at that amount. 

When the charge posted, it was {$91.00}, which I did not authorize. The merchant refused to give me a copy of my signed receipt when I requested it. I filed a dispute with PNC ( Reference XXXX ) and provided the information I had, but PNC closed my dispute claiming I did not submit enough documentation. 

After eating at this establishment, I became severely ill and required XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I have documented. I also filed a complaint with the local health department about the merchants refusal to release my receipt and food safety concerns. 

I am seeking a full reversal of the {$91.00} transaction and an immediate review of how my dispute was handled, as I believe PNC failed to protect me under Regulation E.

Company response to consumer: Closed with explanation