vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
CFPB I am Im making this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and Radius Global Solutions ( collection agency ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of 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 non-monetary relief
Consumer complaint received 2025-12-08 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: PA

Complaint narrative:
I saw this morning that the inaccurate late payments are still on my credit report and I truly can not understand why they keep showing up. They did not disappear even after I refreshed my browser, and this has left me extremely frustrated. Because of this ongoing issue, I strongly ask that the documents I sent be reviewed carefully so I can finally stop stressing over this problem.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a consumer attempting to resolve the inaccuracies on my credit report. Please review the following disputed accounts and take appropriate action in compliance with the Fair Credit Reporting Act ( FCRA ). If the information can not be verified, I request that it be removed from my credit report. 

Charged Off Accounts : XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$880.00} XX/XX/XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} XX/XX/XXXXAccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00}XX/XX/XXXXCARD XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : No inquiries listed for XXXX. 

Positive Accounts : No positive accounts listed for XXXX. 

Late Payments : XXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
From XXXX to XX/XX/year>, I was charged a monthly maintenance fee of $ XXXX ( total {$150.00} ) on my Bank of America Advantage Relationship Banking account . The following appears in BoA 's schedule of fees : " To avoid the monthly maintenance fee, meet one of the following requirements during each statement cycle : Maintain a minimum daily balance of {$20000.00} or more in your account Or Be a member of the Preferred Rewards program and qualifies for the Gold, Platinum or Platinum Honors tier ( first 4 checking accounts ) or XXXX XXXX tier ( unlimited ). '' My balance was below $ XXXX only in the time period when I was charged the fee, but I was a Preferred Rewards Gold member the whole time. According to https : XXXX : " Once youre a Preferred Rewards member, you'll keep your program benefits for at least a full year, so no need to worry if your balances dip temporarily. '' On XX/XX/year>, I called BoA, where an associate told me I should not have been charged this fee and that she would have them refunded. 

On XX/XX/year>, I received an email saying that BoA had reviewed my request and that the first three months would be refunded, but the last three were declined, with no reason provided. 

On XX/XX/year>, I called BoA again to ask why only three months ' fees were refunded, even though my membership status had not changed during that time and that the fees should have been waived. The associate said that the grace period for maintaining my gold status was only XXXX months after my balance dips below $ XXXX, even though their website clearly states otherwise. She was not able to submit another refund request and said there was nothing else I could do.

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 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
havent recieved my credit card processing funds IN 3 MONTHS

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-08 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:
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 XXXX  ] Account Number : 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 2025-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MA

Complaint narrative:
Dear NRA : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : Original Credit Agreement ( the contract I allegedly signed, if applicable ) Full Itemized Statement ( showing how the balance was calculated ) Forward Flow Agreement ( proving debt transfer from original creditor ) Chain of Title / Assignment Documents ( showing legal transfer of ownership ) Complete Payment History Records ( verifying payments or delinquencies ) Validation Notice ( per FDCPA 1692g ) Notice of Default / Intent to Collect ( as required by law ) Proof of Statute of Limitations ( confirming debt is legally collectible ) Credit Reporting Agreement ( authorizing reporting to bureaus ) Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-12-08 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:
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 XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION XXXX RIGHT TO PRIVACY ( 15 U.S.C. XXXX ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION XXXX ( a ) ( XXXX ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. XXXX ) Pursuant to 15 U.S.C. XXXX ( a ) ( XXXX ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION XXXX IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. XXXX ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C. 
XXXXi.

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 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I need to express how unacceptable and distressing this situation has become. I have suddenly been assigned a debt that is entirely unfamiliar to me unverified, unjustified, and not mine. Since then, I have been subjected to repeated and unwarranted contact across multiple communication channels, using various tactics that have escalated to threats of legal action. As a law-abiding consumer, I find this conduct insulting and a blatant violation of my rights. This ongoing harassment has caused significant mental and emotional strain, including several nights of lost sleep.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: NC

Complaint narrative:
I am contacting you regarding a debt that is still being reported under my name. This debt has not been cancelled, and I have not received any valid documentation or verification proving that I owe it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am disputing the following accounts listed below, as they contain inaccuracies or incomplete reporting. Please investigate these items and correct any discrepancies, in accordance with the Fair Credit Reporting Act ( FCRA ). Below are the details for each bureau : Charged Off Accounts FEB/OPPLNS, XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1600.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$220.00} XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$1900.00} XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX FED XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$1200.00} Inquiries XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX Accounts XXXX FED XXXX, 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 2025-12-08 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am requesting a review and correction of the following entries on my TransUnion credit report. I have identified discrepancies that I believe need to be investigated in accordance with the Fair Credit Reporting Act. 

Inquiries : XXXX  XXXX XXXX - XX/XX/year> AL XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> Late Payments : XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # 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 2025-12-08 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XX/XX/XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XX/XX/XXXX 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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have never opened or had a Bank XXXX XXXX credit card or bank account. 
These accounts were opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: OK

Complaint narrative:
I requested a complete validation of the debt, but the documents I received were incomplete and did not fully verify the debt. They did not provide the information i am entitled to under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Exeter Finance, LLC.
State: CT

Complaint narrative:
XXXX weeks ago I asked the company to pick up the car because I can not make the payments due to severe hardship. They said it takes about 30 days to process my request. I had to cancel the license plate and the insurance and now I can not keep the car illegally. I demand picking it up urgently.

Company response to consumer: Closed with explanation