vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: AR

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They inform me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: MRS BPO, LLC
State: CO

Complaint narrative:
-I have an item in collections showing up on my consumer credit reports that I do not recognize - I called the creditor name : " MRS BPO LLC " to investigate.

- MRS BPO stated that the account number associated with the account on my report was associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MRS BPO stated that they no longer work with " represent 'XXXX XXXX XXXX XXXX  and do not have an employee in the company that can talk to me about a closed account with XXXX XXXX XXXX. 
- MRS BPO stated they have " not purchased debt from XXXX XXXX XXXX, and do not report to credit agencies on XXXX XXXX XXXX '' - MRS BPO recommended I call XXXX XXXX XXXX as they only ever represented them - XXXX XXXX XXXX stated they could not find an associated account with an external balance for me. 
XXXX XXXX XXXX XXXX they do not work with MRS BPO and never held a contract with them, but possibly sold them debt at XXXX time. 
- I can not track this down to resolve the error ; I have never carried a negligent Uverse account with XXXX XXXX XXXX - I am trying to purchase a home now and this is the only derogatory account. I am at an impasse as MRS BPO states they " have no employee staffed to support errors or issues and do not report to the credit bureaus anyway ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Years ago I opened an secured credit card with capital one quick silver XXXX XXXX # XXXX {$3000.00}. Then the account closed and I owed XXXX and they sold it to debt collector. I set up payment plan with them but I called to ask for my deposit back so I could use that to pay some of it. All I get i runaround. First they said it was already applied but I asked for proof when because I don't show they applied it. First the said the month and I have statements and nothing is applied.and then when called back said I never gave a deposit which is untrue because how else would I get XXXX available credit. Another time I called they said they sent it but I never received it. They couldn't say check number when they sent or where. Last time they just give me the number of debt collector and the debt collector already told me that's something I have to talk with capital about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: NY

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: MS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Factor Trust. Please delete the following accounts.

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: KY

Complaint narrative:
Within the last couple weeks, I closed my checking account and opened a new one. My PayPal ( linked to XXXX ) was linked to my old checking. A recurring payment went through my PayPal. Since my old checking was no longer active, the payment went through but caused my PayPal balance to go negative. I have since gotten emails from PayPal calling my negative balance a debt and warning me to pay it. However, PayPal will not let me pay my balance! I've tried linking debit cards and accounts and paying the balance, but I get an error message when I do so. I contacted PayPal and they said there's no way for me to pay it, but I'm on the hook for it. When I pressed the agent, he insisted I buy some gift cards and/or have friends or family send money to a wallet. This is extremely suspicious. He said this was my only option. I have plenty of money ; all I want is to pay the balance and settle up with PayPal, but they are making it impossible for me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2025, I applied for housing through XXXX and discovered that my report listed an eviction that should not be there. I submitted a formal dispute via email on XX/XX/2025, as instructed, and received an automated acknowledgment with a case number. However, it has now been well over 30 days, and I have not received any updated results or resolution to my dispute. 

I waited an additional 30 days before submitting any new housing applications, in hopes that the inaccurate information would be removed from my report. On XX/XX/2025, I began applying for multiple homes again ; however, I have continued to receive denials due to the same eviction still being reported. 

Due to this inaccurate information, I have been repeatedly denied housing and have spent significant amounts of money on application fees. I am currently on a month-to-month leasewhich began after my lease ended on XX/XX/XXXX, XXXX am paying a substantially higher rent while trying to secure new housing. The continued reporting of this eviction is causing severe financial and emotional distress and has placed me at risk of homelessness. 

For reference, I filed a Motion to Seal Order with the XXXX XXXX XXXX XXXX on XX/XX/2025, and my hearing was held on XX/XX/2025. The court granted my motion to seal, and an official XXXX to XXXX was signed and filed. I have already submitted both the Motion to XXXX and the signed XXXX to TransUnion as part of my original dispute documentation. 

Given that this eviction record has been legally sealed by the court, it should no longer be reported or appear on any tenant screening or credit reports. I respectfully request that TransUnion remove this record immediately and provide written confirmation of the correction. 

Please consider this communication an urgent follow-up to my initial dispute. I am requesting that this matter be resolved promptly to prevent further harm. 
Thank you for your immediate attention and understanding. 

Sincerely, 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 2025-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  ] Account Number : [ 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 explanation
Consumer complaint received 2025-10-09 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: SC

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

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: OK

Complaint narrative:
I am writing to formally express my concerns regarding Chimes handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering these transactions were unfeasible. The CFPBs findings indicate that Chime has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I am submitting this complaint against my student loan servicer for providing false information and mishandling my account. 

In XX/XX/year>, I was told that my loan account with XXXXNelnet had been sent to XXXX XXXX  for collections. However, after verifying with XXXX XXXX and reviewing my own records, I learned that the account was never actually placed with collections. 

Despite this, the servicer has reported the account as delinquent on my credit report since that time. This has caused significant harm to my credit score and misrepresents the actual status of my loan. 

I have contacted the servicer directly and requested documentation proving that the loan was referred to collections, but they have not provided any proof or corrected the record.

I am requesting that the CFPB : 1. Investigate the servicers false reporting of this account.

2. Require the servicer to correct the inaccurate delinquency on my credit report.

3. Review this account for possible loan discharge or administrative correction, as the servicers mishandling and misinformation have made the loan unmanageable and caused ongoing harm.

I am attaching any supporting documents, including : Email or written communication from the servicer referencing XXXX XXXX Credit report showing the delinquency Any correspondence proving the loan was never placed with collections Please investigate this matter and ensure the servicer complies with federal student loan servicing and fair credit reporting laws. 

Thank you for your time and

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Fresh Holdings Inc
State: TN

Complaint narrative:
I get about 5 Calls a Day from XXXX XXXX  a secondary Debt Collector that Credit Fresh uses. I looked up the XXXX rule of no more than 7 calls in a week and its just rediculous they'll call from XXXX XXXX XXXX XXXX XXXX central..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: HW Holding, Inc
State: FL

Complaint narrative:
I receive a phone call on XX/XX/year> at XXXXXXXX XXXX which was almost XXXX XXXXXXXX  when I answered they said hello is this ( blank ) said whos asking they said I cant tell you unless you tell me if youre ( blank ) I said this is she they said are you familiar with ( blank ) I say what is this about they said we are a debt agent collector. Which the phone ended immediately because it was late they basically got my information without wanting to tell me who they was and I said do not call me nomore Im not even sure how they got my phone number. But I remember another email today sending me a message stating to collect debt & ways to pay. 
Company called hunter warefield.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: GA

Complaint narrative:
Since creditors are not complying with my request in accordance with the FCRA, I demand that the accounts, inquiries, and personal information be block or deleted per CFPB for Sham Investigators of Credit Report Errors 15 U.S Code 1691b - Promulgation of regulations by the law.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that these credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX. 

Further action will be taken to defend my rights and hold the creditors responsible for their heinous acts if my demands are not met. For my grievance, please refer to the enclosed file! Also, the correct year of birth listed should be 1993. Also, the ONLY address that should be listed XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX The ONLY name listed should be 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 2025-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

Complaint narrative:
Dear CFPB, JEFFERSON CAPITAL SYSTEMS Acct # XXXXXXXX XXXX XXXX XXXX XXXX  {$700.00}? I am filling a complaint regarding a debt collection account that appears on my credit report without my knowledge or consent. I have no relationship with the company reporting this debt and was never notified or contracted with the original creditor. I dispute the validity of the alleged debt and formally request an investigation. Under my rights granted by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have demanded full validation of the debt, including : - [ x ] Original Credit Agreement proves the contract I signed - [ x ] Full Itemized Statement shows how the balance was calculated - [ x ] Forward Flow Agreement proves debt was legitimately transferred to collector - [ x ] Chain of Title / Assignment Documents shows proper legal transfer of debt ownership - [ x ] Payment History Records verifies payments made or missed - [ x ] Validation Notice per FDCPA 15 USC 1692g proof they sent me proper notice - [ x ] Notice of Default or Intent to Collect proof of communication as required by law - [ x ] Proof of Statute of Limitations confirms the debt is still legally collectible - [ x ] Credit Reporting Agreement agreement allowing them to report to bureaus - [ x ] Documentation of Dispute Investigations proof they investigated my previous dispute under FCRA 15 USC 1681i If these can not be provided, the debt is unverifiable and must be deleted. Continuing to report an unverified, disputed debt violates FCRA 1681e ( b ), 1681s-2 ( b ) and may result in liability under FCRA 1681n and FDCPA 1692k. Furthermore, I submitted a cease and desist notice under FDCPA 805 ( c ) / 15 U.S. Code 1692c ( c ). Any continued contact without proper validation is considered harassment and a violation of federal law.

Company response to consumer: Closed with explanation