vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: CA

Complaint narrative:
The company TEK collect took on debt from XXXX. This company went out of business before and before it went out of business I had account set up with him, and I wasnt satisfied with the product towards the end, and the XXXX would not work with me with an orthodontist to get more treatments done on my teeth to get them straightened so I wanted to cancel it because I was not satisfied. XXXX said they would cancel it and no other fees would be collected when they filed for bankruptcy this company TekCollect has been emailing. I owe over {$1100.00}. I need to dispute discharge because I dont owe anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: Harley Davidson Financial Services Inc
State: TX

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
My Equifax credit report also contains multiple inaccurate charge-offs, including XXXX XXXX XXXX XXXX XXXX XXXX ) for {$1000.00} as of XX/XX/XXXX, XXXX XXXX ( XXXX ) for {$1200.00} as of XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX ) for {$20000.00} as of XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX ) for {$660.00} as of XX/XX/XXXX. These unvalidated accounts have been incorrectly reported, violating my rights under 15 USC 1681n, 1681 ( c ) 2, and 1692 ( g ). This prolonged inaccuracy has placed an immense strain on my financial stability, making it difficult for me to secure credit, purchase a home, or even obtain reasonable interest rates. The presence of these potentially unvalidated charge-offs is deeply concerning and suggests that my personal information may have been compromised in a data breach, further heightening my XXXX  over the security of my financial data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: IN

Complaint narrative:
Recently checking my credit report I notice that I had multiple collection and closed accounts. All of these accounts I have no knowledge of. 
They have been open and used without my consent. I reached out to these companies and financial institutions to get an understanding of how these accounts had been opened. As well as to let them know that I had no knowledge of them and that I had been a victim of Identity theft. 
These accounts are as follows : ' 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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
On XX/XX/year>, I received a tenant screening report from XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ), which included negative public record data specifically civil court records allegedly tied to my name. 

Upon contacting XXXX by phone, I was informed that part of the information in the report was sourced from LexisNexis Risk Solutions. However, I have reviewed my full credit reports from XXXX, XXXX, and XXXX, and none of them show these alleged public records. This raises serious concerns about the accuracy, origin, and verification of the information provided by LexisNexis. 

I believe this data may be inaccurate, outdated, or misattributed and it has directly harmed my ability to secure housing. 

What would be a fair resolution to this issue? 

I am requesting the following actions : A full investigation into the accuracy and source of the data LexisNexis allegedly provided to XXXX. 

Immediate deletion of any unverifiable or incorrect public record data associated with my profile. 

A formal explanation from LexisNexis clarifying how this data was sourced, validated, and shared. 

Written confirmation that LexisNexis will take appropriate corrective actions to avoid further dissemination of inaccurate data. 

That all correspondence related to this complaint be sent through this CFPB portal to ensure proper documentation and compliance. 

XXXX : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Basic Information to Provide Your Contact Information Full Name : XXXX XXXX XXXX Email : XXXX Company Youre Complaining About Company Name : PayPal , Inc . 

Website : XXXX XXXX XXXX What Happened? ( Short Summary of the Issue ) Example to paste : On XX/XX/year>, my PayPal account had a balance of {$64000.00}. PayPal limited my account and said I could withdraw funds after 180 days. After the XXXX period, the entire balance disappeared. Repeated attempts to contact PayPal were unsuccessful. They initially claimed system updates were in progress and told me to wait XXXX weeks, but no update or refund has occurred. My live chat support is now blocked, and I have not received a clear explanation or resolution for the missing funds. 

Supporting Details Date the issue started : XX/XX/year> Last Ticket ID with PayPal : XXXX Type of Issue : " Money was missing or taken from my account '' Product : Mobile or digital wallet or Payment App ( choose based on available options ) Amount in dispute : {$64000.00} What Youd Like as a Resolution I want my {$64000.00} returned to me or a full explanation of where the funds went, along with documentation. I also want access to PayPal support restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: MA

Complaint narrative:
I want the company to remove the inquiries in my credit 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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment to be updated. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Update the late payments from my consumer reports

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 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I had talked to Citibank rep XX/XX/year>, they told me XXXX will be sent to me in 15 days, Today is the 15 day, I only received XXXX dollars, I am missing XXXX dollars that should have been on one checked. Now they said they going to send XXXX in check form next week on XX/XX/year>.

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 2025-05-09 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: MO

Complaint narrative:
I am writing to formally dispute and request the removal of inaccurate and fraudulent information from my credit file. I am a victim of identity theft, and my credit report currently includes multiple accounts and inquiries that I did not authorize, initiate, or open. These items are not mine and should not be associated with my credit history. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting that you promptly block and remove the unauthorized accounts and inquiries from my credit report. Enclosed with this letter, you will find the following documentation : A list of the disputed accounts and inquiries A copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ) [ Any additional supporting documents, if applicable ] Please begin an immediate investigation and take all necessary steps to ensure these fraudulent items are deleted from my credit report. I also request written confirmation once the corrections have been made. 

Thank you for your prompt attention to this matter.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit. 
XXXX XXXX XXXXXX/XX/year> EXPERIAN XXXX XXXX XXXX XX/XX/year> EXPERIAN XXXX XXXX XXXX XXXX XX/XX/year> EXPERIAN

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 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc.
State: CO

Complaint narrative:
The Bureaus Account # XXXX is trying to Collect on the debt whose Statute Of Limitation has expired and this account is scheduled to fall off sometime this year XXXX based on the 1st day of delinquency which was XXXX XXXXThis Collection agency never provided me with A Forward Flow Agreement, a Chain of Assignment, A purchase agreement and what they purchased this debt amount. What they have done instead is to doctor with the Bureaus by submitting WRONG DATE OF DELETION which was supposed to be XX/XX/XXXX to XX/XX/XXXX which wpuld exceed the 7 year benchmark for derogatory accounts to be deleted. I have Credit reports from XXXX XXXX XXXX XXXX  indicating that this account would be removed in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I created an account with Experian in order to freeze my credit. Someone my account was linked to someone else 's information and I was told that Experian had to do a split pin. When I called back, I was able to speak with the dispute department who informed me that the split pin was corrected but my account is still locked and shows an incorrect email address and phone number when logging in online. I have called Experian over 10 times, trying to get in touch with the membership department in order to update my information but the automated system is not able to get me in touch with an actual person that can help. I am still unable to access my account and freeze or unfreeze my account. When I call the dispute department, I'm able to speak with someone but when they transfer me to membership it's only an automated line without any option to speak with a customer service agent. Four hours of wasted time over three days is an absurd time to waste on this. There should be a way to speak with a live agent who can help.

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 2025-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: U.S. BANCORP
State: OH

Complaint narrative:
I originally filed a CFPB complaint ( # XXXX ) regarding this issue. I have called and talked with US Bank on numerous occasions and have received conflicting information during each call. 

Original Call XX/XX/XXXX Original Call XX/XX/XXXX After filing the prior mentioned CFPB complaint ( # XXXX ) US Bank responded and closed the CFPB without a response that was fair and would have a continued negative financial burden on my family. 

US Bank responded that their agent didnt disclose any incorrect information and therefore they will not correct any of the direct financial impact that has been inflicted upon myself and my account. They even stated in the phone call with the representative, that their agent didnt disclose all of the information relevant to our removal of PMI request so that we could not make an informed decision. However, because incorrect information was not given they will offer no other solution than an apology. 

I request that US Bank at least cover or reimburse the cost of the Brokers Price Opinion ( BPO ) as a solution to this issue that is causing continuing undue financial burden on my family.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I submitted a dispute letter to Early Warning ServicesXXXX regarding closed accounts that were reported during the XXXX pandemic. These accounts were impacted by financial hardship during that period. I provided documentation and requested an investigation and correction or removal of the negative items. 

As of XX/XX/XXXX, I have not received any response from Early Warning Services, and they have not acknowledged my dispute. I have also been unable to reach anyone by phone, as their customer service line does not connect me to a representative. 

This lack of communication violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires agencies to investigate disputes and respond in a timely manner. 

I am requesting that the CFPB require Early Warning Services to : Investigate my dispute promptly. 
Provide a written response and a copy of the updated report. 
Remove or correct any inaccurate or outdated negative information related to the two closed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
This company has had more than 30 days to respond. They have taken more than the allotted time to provided the information requested. This should 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 explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
XXXX XXXX  XXXX  states they are a collection agency to who I have never brought and products or services from at all! And Exeter finance llc sold this company XXXX XXXX XXXX this collection in the amount of XXXX and I never signed or gave the authorization for Exeter finance llc permission to sale any of my information to this company at all. And thy call me from different numbers and different times of the day and stating I owe XXXX XXXX XXXX XXXX.Practices Act ( FDCPA ), 15 USC 1692 et seq., the Fair Credit Reporting Act ( FCRA ), 15 USC S1681 et seq., and applicable state laws. I HEREBY DISPUTE THIS ALLEGED DEBT IN ITS ENTIRETY. Under 15 USC 1692g ( b ), I request that you provide COMPLETE verification of this alleged debt, including : 1. A copy of the original signed contract or agreement that created this alleged debt, showing my signature ; 2. Complete documentation showing the chain of title proving your company is the current legal owner of this debt and has standing to collect, including all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP
State: NY

Complaint narrative:
I was served papers to file a complaint regarding a debt I never owed, authorized, acknowledged or ever knew about. I immediately responded to the courts and the company explaining that I do not owe the debt and and requested verification. I explained to the court that I am a XXXX XXXX  XXXX and unable to appear in person but I am requesting more information. Since that time, i have received no verification that that debt is indeed mine. I get blacked out pages of old credit card statements, 1 page of a statement which was opened under my name but not by me. i requested the original signed application or any proof and have yet to receive it. I continue to receive threats of lawsuits.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This company has had more than 30 days to respond. They have taken more than the allotted time to provided the information requested. This should 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 explanation