vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This complaint concerns XXXX XXXX  ( XXXX XXXX XXXX, XXXX. ) for unlawful reinsertion and continued reporting of a fraudulent tradeline that was previously removed after I provided an FTC Identity Theft Report and Police Report. 

This account was deleted in a prior investigation, but XXXX and the credit bureaus reinserted it onto my credit file without providing the required XXXX written notice under FCRA 611 ( a ) ( 5 ) ( B ). This is a direct statutory violation.

FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires blocking and permanent deletion of identity-theft-related information within XXXX business days of receiving an FTC report. 

FCRA 611 ( a ) ( 5 ) ( B ) : Prohibits reinsertion of deleted information unless the furnisher certifies accuracy and the consumer is notified within XXXX business days notice was never provided. 

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers can not report information known or believed to be inaccurate.

FCRA 623 ( a ) ( 2 ) : Furnishers must correct and delete unverifiable or false data.

FCRA 607 ( b ) : CRAs must maintain maximum possible accuracy re-reporting deleted fraudulent data fails this standard. 

XXXX XXXX Compliance : Field XXXX ( Account Status ) : Must not reflect charge-off when identity theft is documented. 

XXXX XXXX XXXX : Must be applied to mark the account as disputed due to identity theft. 

Failure to apply XXXX  before reinsertion violates XXXX XXXX XXXX guidelines and FCRA 623 ( a ). 

The unauthorized reinsertion of this account after formal deletion demonstrates reckless disregard and willful noncompliance under FCRA 616617, exposing both the furnisher and the bureaus to statutory damages, attorneys fees, and injunctive relief. 

This repeated act has caused significant harm, including score drops, credit denials, and reputational damage, all traceable to the unlawful re-reporting of a fraudulent account that was already verified as identity theft.

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 2025-10-14 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: NY

Complaint narrative:
I am writing to dispute the inaccurate information on my credit report acquired by Experian. This letter is for the purpose to invoke my rights under the Fair Credit Reporting Act ( FCRA ) 15USC 1681i, which obligates you to provide me with the procedures you used to verify the information on my credit report. If you can not verify the accuracy of the disputed items, they must be deleted from my credit report right away.

Additionally, under the Gramm-Leach-Bliley Act ( 15 USC 6802 ) I have an essential right to privacy regarding my financial information. Also. 15 USC 1681 ( 4 ) under the FCRA highlights the importance of maintaining the accuracy and privacy of consumer credit information.

No permissible purpose, as shown in 15 USC 1681b ( 2 ), has been established for Experian to maintain a credit report on my behalf. 
Experian has neither my permission nor a valid permissible purpose to supply a credit report containing my personal information. 
The absence of such permissible purpose makes the presence of this information a violation of my privacy rights.

Additionally, 18 USC 1028a addresses identity theft and its associated penalties, highlighting that identity theft is a serious crime.

The unauthorized acquisition and use of my personal information is a criminal act and violates principles of privacy and consumer protection. 
The following unauthorized items need to be deleted from my file immediately XXXX. XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
XXXX. XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from 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 explanation
Consumer complaint received 2025-10-14 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: NY

Complaint narrative:
I am writing to dispute the inaccurate information on my credit report acquired by Experian. This letter is for the purpose to invoke my rights under the Fair Credit Reporting Act ( FCRA ) 15USC 1681i, which obligates you to provide me with the procedures you used to verify the information on my credit report. If you can not verify the accuracy of the disputed items, they must be deleted from my credit report right away.

Additionally, under the Gramm-Leach-Bliley Act ( 15 USC 6802 ) I have an essential right to privacy regarding my financial information. Also. 15 USC 1681 ( 4 ) under the FCRA highlights the importance of maintaining the accuracy and privacy of consumer credit information.

No permissible purpose, as shown in 15 USC 1681b ( 2 ), has been established for Experian to maintain a credit report on my behalf. 
Experian has neither my permission nor a valid permissible purpose to supply a credit report containing my personal information. 
The absence of such permissible purpose makes the presence of this information a violation of my privacy rights.

Additionally, 18 USC 1028a addresses identity theft and its associated penalties, highlighting that identity theft is a serious crime.

The unauthorized acquisition and use of my personal information is a criminal act and violates principles of privacy and consumer protection.

Under the Fair Credit Reporting Act ( FCRA ) specifically 15 USC 1681i, you are required to show me the procedures you used to verify this information on my credit report. If you can not verify the accuracy, the information must be deleted from my credit report as soon as possible. 
The following unauthorized items need to be deleted from my file immediately 1. This is Questionable XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XX/XX/year> Please remove this inaccurate information from my credit report. 
XXXX. XXXX XX/XX/year> Please remove it from my credit report. 
XXXX. XXXX XXXX XXXX XX/XX/year> Please remove it from my credit report. 
XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from 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 explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DFC Global Corp.
State: FL

Complaint narrative:
Dear XXXX Dispute Department, I am writing to formally dispute the completeness and accuracy of an item reported on my consumer credit file, pursuant to 15 U.S.C. 1681i ( Section 611 of the FCRA ).

The item I dispute is a Collection Account listed under the Collection Agency XXXX XXXX ( as shown in my credit report ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: OR

Complaint narrative:
While re-evaluating my credit report, I found a few inaccuracies on my credit report. I further evaluated the issue and proceeded to call kikoff to resolve the issue. I called customer service on XX/XX/year> at XXXXXXXX XXXX ( see attachment ), after I had already sent over several letter in which I never go a response. The problem was not resolved and I requested to speak to a supervisor because the lady I was speaking with was very rude about the situation. The lady told me that she would have a supervisor call me back within 24 hours in which I never received a call. I explained that I could file a report with the cfpd about the issue and I was told that nothing would be done about it, even after I quoted the law to her. According to 15 USC 1681E ( b ) Accuracy of Report-Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX refused to investigate the issue and/or resolve it. 

Account ( XXXX ) : XXXX XXXX I have also attached my credit report, with the inaccuracies highlighted and a screenshot of the phone call in which I recorded for further proof of my claim/complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX. XXXX XXXX called me with her and her manger XXXX on the line from a unknown #, it was not the XXXX and XXXX phone #. XXXX called yelling so loud I could hear half of what she was saying. I did hear why did you lie and file a complaint with the bank. I am going to sue you for defation ... non stop yelling. I asked her twice to please stop yelling at me, as I was in a restaurant, I took the call outside. Many many people could hear her yelling. I was so humiliated I do not want to go back to my favorite XXXX XXXX. I developed XXXX XXXX XXXX at the base of my XXXX within hours of her call. Ive been shaking daily. I am afraid of her. She indeed said I am banned from the property. I offered to return the jewelry. I refuse to go back on the property after those threats. I am in fear of my safety at this point. I indeed paid to reverse the call because it freaked me out a merchant would call after a bank dispute threatening me. The phone # belongs to her manager XXXX!! He did not get XXXX word in, neither did I. She yelled the entire time until I hung up on her. It was dinner time at XXXX XXXX do you have any idea how many people heard her? Do you even under how humiliated I was publicly. My friend XXXX was outside XXXX. He heard all of it.

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 2025-10-14 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: GA

Complaint narrative:
I have a Paypal account, which I was using to transfer my SSI funds ( which are protected under Federal Law ( Section 207 of the Social Security Act, codified at 42 U.S. Code 407. This law prohibits garnishment, levy, or other legal processes against Social Security benefits, including SSI, with very limited exceptions ) ) into the account and then transfer to a bank account. I did this to have less fees than an ATM. Other these transfers ( which happened near the XXXX of every month ), I made a couple or few purchases from XXXX ( shoe store ), transferred {$10.00} twice to a family member ( which has a Paypal account with a name XXXXXXXX XXXX XXXXXXXX, transferred funds to XXXX, and possibly donated to a nonprofit. I haven't used the account for selling ( in probably more than 10 years ) and have not used the account to accept payments from others. Paypal gave a reason to hold the funds for 120 days due to unusual activity, which they can not tell me the reason specifically. I am not sure if they are legally able to hold my funds since the funds are protected under the code above. There are only a little more than {$50.00} in the account, which is not hurting me at all, but I feel the possibility of being targeted for some reason, and they will not explain. I am not in or have been engaged in any illegal activity. It just seems very weird for them to do this. I like to know, if possible, does Paypal have a legitimate reason to hold the funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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:
In XX/XX/XXXX, I fell victim to an email phishing scam that resulted in the theft of all my personal details. The perpetrators went as far as to forge my signature to open accounts and make inquiries that I never approved. Consequently, multiple accounts were created in my name without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

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 2025-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Transfinancial Companies, Inc
State: FL

Complaint narrative:
I am writing in response to your communication regarding an alleged debt for services provided by XXXX XXXX XXXX on XX/XX/XXXX. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) per 15 U.S.C. 1692g, I am requesting that you validate the debt you claim I owe. I have already received the copy of service details sent in the mail but there is no itemization for the amount, so therefore that is not a full validation of the debt. 

Please provide a detailed breakdown of the alleged debt, including any medical charges, fees, or collection costs, this is for the amount of {$1100.00}. Please be aware that a comprehensive itemization includes DATES for added fees and interest, so provide those dates. Since itemization is required, I do need you to provide a complete payment history, the requirement of which has been established by XXXX v XXXX, XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I am currently unaware of what makes up the total amount due and would appreciate clarification before moving forward.

2. HIPAA Compliance : Under the Health Insurance Portability and Accountability Act ( HIPAA ), I am entitled to protect my private medical records. I do not recall authorizing XXXX XXXX XXXX XXXX to release my medical information to any third party, including your agency. HIPAA allows for the release of limited information, but any further release requires my explicit authorization. 

Please provide : A copy of my signed authorization permitting HCEP to release my medical information to your agency. 
A complete account of the information you received from the provider in connection with this alleged debt. 

XXXX. Cease Reporting : In accordance with the FDCPA, I request that you cease any credit bureau reporting until this debt has been fully validated. Reporting inaccurate or unvalidated debt to the credit bureaus may be a violation of the Fair Credit Reporting Act ( FCRA ), for which I can seek damages.

4. Documentation Request : To comply with HIPAA and FDCPA regulations, I expect full documentation of any information your agency has received from the provider regarding this debt. If your agency is withholding any part of my medical information for HIPAA complianc
e, this may constitute a violation of the FDCPA, as it would prevent me from fully validating the debt. 

Next Steps : Please respond to this by sending all requested information in your response to this complaint within the standard of 30 days or this debt will be considered invalid. If you are unable to provide the necessary documentation and validation, I expect the immediate closure of this collection account and the removal of any related reporting from my credit file. Thank you for your attention to this matter. I will await your timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Please do not close this complaint without a formal resolution. A generic response from the company does not address the issues raised or provide a good-faith effort to resolve them.

After receiving no resolution to my prior complaint, I contacted ProCollect directly. I was informed that my file had been transferred to a supervisor, and that I could only communicate with XXXX XXXX. XXXX XXXX never took my calls and responded only via email, copying XXXX XXXX and XXXX XXXX. Both of my requestsfor a payment plan and for a settlement at a reduced amountwere denied without explanation. 

I believe this denial and ProCollects lack of cooperation are retaliatory and stem from me exercising my tenant and consumer rights. I provided documentation showing that XXXX XXXX agreed to allow me to remain in my unit for XXXX additional days after my lease ended without penalty, due to documented safety and stalking concerns, which were reported to the XXXXXXXX XXXX  Department. 

There is a history of complaints to the prior management company regarding unauthorized maintenance entries into my unit. After XXXX took over the property, they rehired the same staff previously terminated for these incidents. For safety reasons, I did not renew my lease. The regional manager agreed that I could remain for 30 days while I secured new housing, without penalty.

Despite this agreement, the property manager improperly added the 30 days as debt, even though I completed my lease and paid over {$20000.00} in rent. This debt was then sent to collections for {$1500.00}, now preventing me from obtaining new housing. 

It is unreasonable and misleading for property management companies to report debts based on post-lease misunderstandings or discretionary feesnot evictions or damagesto credit bureaus. Tenants deserve a formal venue, such as a housing court, to resolve disputes prior to credit reporting. 
I have made multiple good-faith attempts to resolve this balance through negotiation and settlement, but both were denied. ProCollects refusal to offer any resolution, combined with their unprofessional and retaliatory handling of my file, violates the Fair Debt Collection Practices Act ( FDCPA ) and basic consumer protection standards.

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 2025-10-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
Im trying to close my account. I was under the impression that i would get a loan & pay it off. But its asking me to pay it off before i can use it. I dont have the money for that. Thats bizarre. I try to close the account and they keep telling me i have to make payments.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: VA

Complaint narrative:
On XX/XX/year> Initiated payment toward credit card on First National Bank of Omaha online banking. {$650.00} from Checking account at XXXX XXXX to FNBO. XXXX XXXX XXXX XXXX notified me of pending payment of {$25000.00} - the credit card BALANCE amount. 
I called FNBO Card Services and was told the payment would be returned and all would straighten out within XXXX days. The same amount has now been presented to my bank for payment FOUR times. XXXX XXXX rejected it because I had to file a Dispute to get the bank accounts cleared. I have called multiple times, last two talking to an Escalation Dispute XXXX, XXXX, who had assured me on XXXX XXXX XXXX XXXX that it would not be presented again ( it had been presented XX/XX/year>, XX/XX/year> and XX/XX/year> ). When I called again XX/XX/year>, she had no answers, had not looked at since last time I called, and could not reach accounting department. Meanwhile, they have completely crippled my ability to use my asset accounts and are racking up interest and late fees. No Bank or Credit Card issuer should be using an automated system that they can not override, yet that is what I am indirectly told-they can not do anything. I can not use my checking or savings accounts FOR A WEEK DURING A FEDERAL HOLIDAY!

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