vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC
State: OH

Complaint narrative:
I have received XXXX text messages saying a debt collector is trying to collect on a debt that I have never had. They contacted me Thursday, XX/XX/XXXX and today, XX/XX/XXXX. Below is a copy of the message. I didnt click on the link because I have never had a petal card. 

We have limited time to work with you before we return your XXXX XXXX XXXX XXXX - for which the current creditor is XXXX XXXX XXXX XXXX ) account to our client. See your options at https : XXXX or call XXXX. This text is from XXXX XXXX, a debt collector. Reply stop to opt-out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Citi Cards is attempting to obtain interest and fees from me under false pretenses. 
I mailed a {$6800.00} ( check # XXXX ) payment to Citi Cards. The check was intercepted and WASHED by a criminal. As a result Citi Cards began charging me late fees and interest on the missing funds. 

Working with XXXX Bank, I undertook to locate their missing funds and was successful in recovering their stolen money. Despite the fact that I found their missing {$6800.00}, Citi Cards has persisted in charging me late fees and interest.on that amount with not as much as a thank you for my efforts. 

This is a blatant attempt by Citi Cards to profit from fraudulent activity. I have made several attempts to correct this situation, but have been ignored by Citi Cards. I came to the conclusion that they are in vested in fraudulent activity as part of a business plan. 

My FICO score and credit rating are impeccable. 

RE : XXXX email XXXX letter XX/XX/year> Citi Case ID : XXXX XXXX Bank XXXX XXXX : XXXX. 
XXXX XXXX XXXX XXXX report XXXX XXXX investigation Case # : 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 2025-08-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
For almost 15 years, I have used PayPal when purchasing items on line. They strictly serve as the middle man for my credit card, saving me from having to enter my credit card number and other personal information to numerous web sites and added a layer of protection for me. 
Recently, I was advised that my account had been frozen and to unfreeze it, I had to upload a picture of my drivers license with picture. I fully understand that this is a federal regulation to combat money laundering, etc. Since I use this account for just minor on-line purchases, I have decided that I will simply close the account rather than uploading more personal info to this company. I advised them that I wanted the account closed, the credit card information deleted and a confirmation that it has been done. They refuse to honor my request unless I upload my drivers license, which is the reason I am closing it. Why would I send this info to a company where I am trying to stop doing business with. They claim that there is no way an account can be closed without my drivers license. This has been going on for 2 weeks now and I have finally had enough.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Attorney demand letter sent at the end of XXXX, XXXX to correct problem after months of calling. The company ( Shellpoint ) continues to report a 2nd mortgage as SECURED when the property was foreclosed upon in XXXX, XXXX and sold at auction in XXXX, XXXX. Shellpoint did not start reporting this on my credit report until XXXX, XXXX, reporting it as a foreclosure beginning XXXX, XXXX. I have not had any ownership in the property since 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 2025-08-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this dispute regarding a fraudulent account that has appeared on my credit report. I have never opened, authorized, or had any involvement with this account. Its reporting is factually incorrect, misleading, and damaging to my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: UPGRADE, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX has been contacting my employer about an alleged debt with Uplift. 



They sent text messages directly to my supervisor disclosing that it was about debt collection, and my supervisor also indicated that she has been receiving phone calls from this company regarding the debt. 



These actions are clear violations of the Fair Debt Collection Practices Act ( FDCPA ) : 1692c ( b ) Prohibiting communication with third parties about a debt 1692d Prohibiting harassment and repeated calls 1692f Prohibiting unfair or abusive practices Because of these contacts, my private financial business was disclosed to my boss, causing me embarrassment, anxiety, and emotional distress at my workplace. I have screenshots and dates of the texts and can provide further documentation of the calls if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: CBC Companies, Inc.
State: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: IL

Complaint narrative:
b'My account was hacked  numerous times card was charged twice also'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: OH

Complaint narrative:
I recently review a copy of my credit report and notice I had a fraudulent account on my report. Please remove this account from my report, it is hurting my ability to obtain credit.

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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I am disputing a collection account reported by IC System for XXXX XXXX XXXX XXXX. 

I do not recognize or owe this alleged debt. I already disputed it with the credit bureau, but it is still reporting on my file as a derogatory collection with a balance of {$310.00}. No proof or validation has been provided that this account belongs to me. 

This account is harming my credit profile and is not accurate.

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 2025-08-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, Experian denied my identity theft block request. In their email, they claimed that my request was either : made in error, based on a material misrepresentation, or that I knowingly obtained goods or services from the fraudulent transactions. 

These claims are false, unsupported, and defamatory. Experian provided no evidence to support any of these allegations. They also failed to provide any explanation or documentation showing how they validated these claims. 

Specifically, Experian did not : Provide any documents from the furnishers ( such as signed contracts, billing statements, or proof of my authorization ). 

Provide a description of their method of verification as required under FCRA 1681i ( a ) ( 7 ). 

Explain which furnisher ( s ) they contacted, if any, or what records they relied on in reaching their conclusion. 

Demonstrate compliance with FCRA 605B, which requires a block within four business days once valid police and FTC Identity Theft Reports are received. 

Correct ongoing Metro 2 compliance violations, including missing Date of First Delinquency, Payment Rating, Compliance Condition Codes, and Special Comment Codes. 

Instead, Experian issued a form denial letter that ignores the evidence I provided, including a valid police report ( XXXX ) and FTC Identity Theft Report, which legally require them to block these fraudulent items. 

This failure to act is a violation of FCRA 605B, 1681e ( b ), 1681i, and 1681i ( a ) ( 7 ), as well as CFPB Administrative Proceeding File No. XXXX, which requires full and detailed reinvestigations. 

I am requesting CFPB intervention to compel Experian to : Immediately block the fraudulent accounts in compliance with 605B, Provide the full method of verification under 1681i ( a ) ( 7 ), Delete unverifiable accounts and confirm they will not be reinserted.

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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST CITIZENS BANCSHARES, INC.
State: NY

Complaint narrative:
I received a letter from First Citzens Bank indicating I owed them {$7200.00} I called FC and reported this. They requested personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-08-26 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: GA

Complaint narrative:
I am working with XXXX, to whom my loan was sold. My account was in deferrment as I was still in training, when my loan was sold it exited deferrment. As I have tried to re-establish deferrment, the XXXX website leads you down a path that makes you think you have applied and that they will get back to you in XXXX business days. After more than a month and multiple requests I had not heard back. After contacting customer service via online chat and on the phone they do not see that I have applied for deferrment and ask me to upload forms, when there is no path to do that on their online platform for deferrment application. I received the run around and still have not been able to defer my loans, with payments accruing that will hurt my credit score if not addressed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: CA

Complaint narrative:
My financial honesty isnt properly illustrated here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: FL

Complaint narrative:
Recently, I obtained a copy of my credit report and identified several inaccuracies related to the following account. This account is negatively impacting my ability to obtain credit. 


Disputed Account Information Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Balance : {$8500.00} Open Date : XX/XX/XXXX Disputed Account Information Account Name : XXXX XXXX XXXX Account Number : XXXX Account Balance : {$480.00} Open date : XX/XX/XXXX Disputed Account Information Account Name : XXXX  Account Number : XXXX Account Balance : {$440.00} Open Date : XX/XX/XXXX Disputed Account Information Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Balance : {$300.00} Open date : XX/XX/XXXX Inquires : XXXX XXXX Inquired on XX/XX/XXXX -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-08-26 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:
Recently, I obtained a copy of my credit report and identified several inaccuracies related to the following account. This account is negatively impacting my ability to obtain credit. 


Disputed Account Information Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Balance : {$8500.00} Open Date : XX/XX/XXXX Disputed Account Information Account Name : XXXX XXXX XXXX Account Number : XXXX Account Balance : {$480.00} Open date : XX/XX/XXXX Disputed Account Information Account Name : XXXX  Account Number : XXXX Account Balance : {$440.00} Open Date : XX/XX/XXXX Disputed Account Information Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Balance : {$300.00} Open date : XX/XX/XXXX Inquires : XXXX XXXX Inquired on XX/XX/XXXX -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Since XX/XX/year>, I have disputed several collections and charged-off accounts that are inaccurate or unverifiable. Some show {$0.00} balances or were settled, yet they continue to report as derogatory. I submitted disputes and supporting documents to the credit bureaus ; I received form responses and the items remain. 

Accounts at issue ( creditor status amount ) : XXXX XXXX XXXX Charge-off {$640.00} XXXX  XXXX XXXX  XXXX Charge-off , settled for less than full balance {$970.00} ( high balance ) XXXX  XXXX XXXX  XXXX  Charge-off/derogatory {$0.00} currently showing XXXX Charge-off/transferred {$0.00} currently showing XXXX XXXX XXXXXXXX ( XXXX ) Collection {$360.00} ( original balance ) XXXX  XXXX XXXX XXXX {$0.00} currently showing XXXX XXXX XXXX XXXX  {$0.00} currently showing XXXXXXXX XXXX XXXX {$0.00} currently showing Actions taken : Mailed disputes beginning XX/XX/year> ( with delivery confirmations ). 

Requested deletion of derogatory items that are inaccurate, unverifiable, or show $ XXXX/settled. 

Received form responses ; items remain and continue to harm my credit. 

What happened/impact : The information is not being corrected despite multiple disputes. I am requesting that the companies involved remove these derogatory accounts and provide written confirmation.

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