vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I had a collections with XXXX XXXX Solutions. I paid the collection off on XX/XX/XXXX and asked about getting the collection removed from my credit report as I am trying to buy a house. The representative stated that I would need to dispute with the credit bureaus to have the account deleted. I was also advised by a credit XXXX who works for the lending agency we plan on using to purchase our home through to pay this collection and begin whatever steps needed to delete from my report to boost credit scores to required score. I submitted disputes on XX/XX/XXXX to have the collection account removed since it had been paid to the XXXX major credit bureaus and Experian is the only bureau that did as I requested and it boosted my score well above the required score to get a home loan. Equifax and Transunion denied my disputes stating the accounts were accurate and did not delete the accounts as requested. Upon contacting Equifax on XX/XX/XXXX and asking why they would not delete like Experian did the agent stated that the collection will have to stay on my credit for 7 years or I could ask the collection agency to provide a deletion/ removal request. I again asked the agent why I had to provide more documentation when Experian used the provided documentation and deleted the account with no problems. I also explained that I was trying to buy a house and was advised to do this but again they were not willing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This account has been on my credit for well over XXXX years and should be taken off by now

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 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: OR

Complaint narrative:
b'LEGAL NOTICE\nNOTICE TO CEASE AND DESIST OF DEFAMATION, SLANDER, COLLUSION AND REPORTING TO CONSUMER DATA AGENCIES WITHOUT CONSENT AGGRAVATED IDENTITY THEFT AND INTENT TO SUE DELETE IMMEDIATELY  \n \n     I NEVER GAVE CONSENT TO USE XXXX XXXX XXXX  IN XX/XX/XXXX WHO ARE YOU\n XXXX                                                                                 PLAINTIFF: XXXX XXXX XXXX              \n DEFENDANT: XXXX XXXX XXXX XXXX XXXX number: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX     PH.XXXX XXXX\n \n RE: ALLEGED ORIGINAL CREDITOR: XXXX\n ALLEGED ORIGINAL XXXX  ACCOUNT NUMBER: XXXX \n ALLEGED DEBT AMOUNT OR BALANCE XXXX   \nCERTIFIED MAILXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX1\nDEAR: RADIUS GLOBAL SOLUTIONS LLC BULK- DEBT COLLECTOR \nSTOP VIOLATING THE FDCPA USC 1692D  \nEXHIBIT -A HJR 1933:  \nEXHIBIT A1: I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE \nTHIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT.  \nACCORDANCE TO 15 USC 1681s-2(a)(7)A(i) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM \nRESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE STOP \nHARRASSING THIS LIVING WOMAN I DIDNT GIVE CONSENT TO USE THIS ACCOUNT: XX/XX/XXXX XX/XX/XXXX IN XX/XX/XXXXSEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY SIGNATURE. PLEASE SEND DOCUMENTS FROM THE GRAND JURY AS WELL, WHICH I ONLY RECOGNIZED COMMON LAW.  . FORWARD FLOW AGREEMENT, CHAIN OF ASSIGNMENT, PURCHASE AGREEMENT, SECRURITIZED OF THE DEBT. \nEXHIBITA2: I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I \nREVIEWED PUBLIC RECORDS CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-\nLISTED ALLEGED DEBT IN ITS ENTIRELY.  YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY \nATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE&DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES  \n(CRAs) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS  \nREQUEST ABOVE IN EXHIBIT A1 AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED  \nDEBT FROM MY CONSUMER REPORT.  THIS LETTER IS EVIDENCE PROVIDED VIA TO THE  \nCONSUMER FINANCIAL PROTECTION BUREAU (CFPB). THE CFPB IS AUTHORZED TO FULLY  \nINVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY ALSO YOU MAYBE SUED BY THE CFPB.  ABRUPTLY,    XXXX Living Woman UCC1-308 WITHOUT PREJUDICE without recourse BENEFICARY OF acctXXXX XXXX XXXX XXXX NOT THE TRUSTEE'

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 2025-05-14 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NV

Complaint narrative:
XXXX XXXX ACCOUNT # XXXX These conflicting reports are misleading and could negatively impact my credit standing. I request that you investigate this matter and correct or remove any inaccurate or unverifiable information. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that I believe is incorrect or incomplete. According to this law : If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer the agency shall, free of charge, conduct a reasonable reinvestigation and record the current status of the disputed information, or delete the item within XXXX days

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 2025-05-14 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: NV

Complaint narrative:
XXXX XXXX ACCOUNT # XXXX These conflicting reports are misleading and could negatively impact my credit standing. I request that you investigate this matter and correct or remove any inaccurate or unverifiable information. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that I believe is incorrect or incomplete. According to this law : If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer the agency shall, free of charge, conduct a reasonable reinvestigation and record the current status of the disputed information, or delete the item within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA and CDIA Guidelines Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding the ongoing inaccurate and noncompliant credit reporting being conducted by several furnishers listed on my Experian credit report. This letter is filed under the Fair Credit Reporting Act ( FCRA ) 1681i and the Metro2 Credit Reporting Resource Guide maintained by the Consumer Data Industry Association ( CDIA ). 

The following accounts are reporting inaccurate, incomplete, or unverifiable data and violate FCRA standards and Metro2 formatting requirements : XXXX. XXXX XXXX Account # XXXX Reporting a frozen {$270.00} balance since XXXX with no verified updates. 

Metro2 Violation : Stale activity, missing last payment date, and invalid XXXX coding. 

XXXX. XXXX XXXX XXXX XXXX XXXX Account # XXXX Charged off in XXXX, still being reported with no updates or supporting validation. 

Metro2 Violation : Inconsistent activity status, no recent data from furnishers. 

XXXX. XXXX XXXX XXXX XXXX Accounts # XXXX & # XXXX Appear to be duplicate tradelines tied to XXXX XXXX XXXX  and XXXX XXXX. 

Metro2 Violation : Reporting without proper DOFD validation, no account ownership chain documentation. 

XXXX. XXXX XXXX XXXX XXXX XXXX Account # XXXX Delinquencies ( 60 days late ) from XXXX still affecting credit profile despite the account being paid and closed. 

Metro2 Violation : Delinquency not suppressed on closed positive account. 

XXXX. XXXX / XXXX  Account # XXXX Charge-off reported with gaps in payment history and missing context for consumer dispute flag. 

Metro2 Violation : Irregular consumer information indicator ( CII ) use and balance inconsistencies. 

XXXX. XXXX XXXX XXXX Account # XXXX Reporting charge-off while simultaneously showing lack of payment activity and static balance. 

Metro2 Violation : Unverified payment rows and outdated balance records. 

respond with complete verification within 30 days, delete

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 2025-05-14 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA and CDIA Guidelines Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding the ongoing inaccurate and noncompliant credit reporting being conducted by several furnishers listed on my Experian credit report. This letter is filed under the Fair Credit Reporting Act ( FCRA ) 1681i and the Metro2 Credit Reporting Resource Guide maintained by the Consumer Data Industry Association ( CDIA ). 

The following accounts are reporting inaccurate, incomplete, or unverifiable data and violate FCRA standards and Metro2 formatting requirements : XXXX. XXXX XXXX Account # XXXX Reporting a frozen {$270.00} balance since XXXX with no verified updates. 

Metro2 Violation : Stale activity, missing last payment date, and invalid XXXX coding. 

XXXX. XXXX XXXX XXXX XXXX XXXX Account # XXXX Charged off in XXXX, still being reported with no updates or supporting validation. 

Metro2 Violation : Inconsistent activity status, no recent data from furnishers. 

XXXX. XXXX XXXX XXXX XXXX Accounts # XXXX & # XXXX Appear to be duplicate tradelines tied to XXXX XXXX XXXX  and XXXX XXXX. 

Metro2 Violation : Reporting without proper DOFD validation, no account ownership chain documentation. 

XXXX. XXXX XXXX XXXX XXXX XXXX Account # XXXX Delinquencies ( 60 days late ) from XXXX still affecting credit profile despite the account being paid and closed. 

Metro2 Violation : Delinquency not suppressed on closed positive account. 

XXXX. XXXX / XXXX  Account # XXXX Charge-off reported with gaps in payment history and missing context for consumer dispute flag. 

Metro2 Violation : Irregular consumer information indicator ( CII ) use and balance inconsistencies. 

XXXX. XXXX XXXX XXXX Account # XXXX Reporting charge-off while simultaneously showing lack of payment activity and static balance. 

Metro2 Violation : Unverified payment rows and outdated balance records. 

respond with complete verification within 30 days, delete

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 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing this complaint against Midland Credit Management , Inc. for pursuing collection activity, including a lawsuit, without first validating the alleged debt as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

I sent a written debt validation request asking for : A full itemized accounting of the alleged debt A copy of the original signed agreement showing I am responsible for the debt Confirmation of whether any insurance or third-party claim has been paid on this account Legal proof that Midland Credit Management has the right to collect ( chain of title ) They have failed to provide this information but continue pursuing legal action. I have also elected arbitration per the original credit agreement, yet they have not honored that demand. 

Their actions appear to violate federal law and consumer protections. I am requesting the CFPB investigate and require the company to provide proper documentation and cease further collection actions until they comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: MA

Complaint narrative:
I recently reviewed my credit reports and was shocked to find a collection account from XXXX XXXX XXXX. for what is purported to be a XXXX XXXX debt. I am formally disputing this collection, as I do not recognize the debt and have no recollection of ever having this account. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. This includes the XXXX letter that is required to notify a consumer of a collection. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you immediately remove this collection from all credit reporting agencies and cease any further collection efforts regarding this disputed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: NJ

Complaint narrative:
This Equifax data breach has exposed my information and as a result of it, I found several accounts and inquires on my report that aren't mine/unauthorized! This is negatively affecting my credit profile and must be removed immediately! Please block these accounts from my profile according to FCRA 605B. 

UNAUTHORIZED INQUIRIES - 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 2025-05-14 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: OH

Complaint narrative:
My student loans are on my credit report. However, they shouldn't be there yet as I am in forbearance and they're federal. They weren't there before and now they're suddenly there.

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 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XXXX of 2025 someone used my Citi card information on XXXX Car Rental in Oklahoma and charged XXXX. I reported this transaction immediately and my card was cancelled and replaced. I received a security credit and I was told everything should be good now. 
On XXXX of 2025 another charge was made to my card from the same company. I called Citi bank again to report the charge. They cancelled my card again and another one was sent. The transaction was showing as pending and never posted, so no credit was issued. I asked why was my card able to be charge again and I was told by Citi representative that the merchant had my card information saved as concurrent payment and the information updated as soon as my card was replaced. I requested for this feature to be removed and block this merchant as I have never done business with this company. I was assure the request was done and it should happen again. 
On XX/XX/year> another charge of XXXX dlls was made to my new Citi card without my authorization from the same merchant. I called and reported the transaction again. My new card was cancelled once again and a new one was sent. I called Citi for an update on XX/XX/XXXX because the charge still chowing and I was told it was still in process and they could see my dispute on their end. On XX/XX/XXXX, I texted through the Citi 's app for an update on my dispute. I was told they could see my dispute on their end and gave me the direct number to the fraud department. On XX/XX/XXXX, I called to get an update on my dispute, and I was told by the representative that the merchant provided proof showing somebody's name making this a non-fraudulent charge. I have never heard this person 's name before not I have ever worked with this merchant before. This card is under my name and I don't have any authorize users in my account, I don't know how this person can use my card information.

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 monetary relief
Consumer complaint received 2025-05-14 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: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am filing a formal complaint against PayPal , Inc. for withholding my funds and closing my account without any clear explanation or opportunity to resolve the issue. Despite multiple attempts to contact customer service for clarification, I have received only vague or automated responses with no detailed reasoning or specific violations cited.

My PayPal account was in good standing, and I had not been notified of any suspicious or unauthorized activity prior to the closure. Majority of the money in my account came from my federal bank account. PayPals actions have left me without access to my funds, which has caused financial hardship. According to the Electronic Fund Transfer Act ( 15 U.S. Code 1693f ), financial institutions are required to investigate disputed transactions promptly and return funds if warranted. PayPal has failed to meet this obligation, nor have they abided by reasonable business practices or transparency expected under federal consumer protection laws. 

I am requesting the following from PayPal : 1. A full release of the funds currently being held.

2. A written explanation detailing the reason for my account closure.

3. Assurance that this matter has been fully investigated and resolved.

PayPals failure to communicate, investigate, or resolve this issue is unacceptable, and I request the CFPBs assistance in facilitating a resolution.

Company response to consumer: Closed with explanation