vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Fair Collections & Outsourcing ( FCO ) reported a {$14000.00} collection to XXXX, XXXX, and XXXX  without ever contacting me or providing the legally required notice of my right to dispute the debt. I was never called, mailed, or emailed before this tradeline appeared. 

This alleged debt stems from XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. Their own maintenance lead, XXXX XXXX, documented during my XX/XX/XXXX move-out inspection that my unit was left in satisfactory condition, needing less than {$500.00} in minor repairs. Despite this, XXXX issued a {$14000.00} balancein retaliation after a separate billing dispute where my father was incorrectly charged XXXX months ' rent and XXXX 's management was reprimanded. 

In XX/XX/XXXX, I hired my attorney, XXXX XXXX, to handle communications with FCO. It was clear that I needed to push for deletion of this inaccuate debt with them. XXXX repeatedly requested proof that I was contacted before FCO reported the account, but FCO failed to provide any evidence. Instead, on XX/XX/XXXX, FCO sent a " Verification of Debt '' letterafter reporting the tradelinea direct violation of FDCPA 809 ( b ). In I disputed the account with all three credit bureaus. After reviewing my evidenceincluding the inspection report, photos, signed testimony, and attorney correspondenceXXXX deleted the tradeline. XXXX  and XXXX  continue to report this invalid debt, damaging my credit and affecting my ability to obtain housing. 

I disputed the account with all three credit bureaus. After reviewing my evidenceincluding the inspection report, photos, signed testimony, and attorney correspondenceXXXX deleted the tradeline. XXXX  and XXXX  continue to report this invalid debt, damaging my credit and affecting my ability to obtain housing. 

Additionally, no judgment was ever filed against me because the apartment was left in satisfactory condition, and XXXX XXXX not have prevailed in court given the inspection findings and photographic evidence. 

FCO 's conduct reflects a pattern of illegal behavior. In XXXX, the CFPB ordered FCO to pay {$850000.00} in penalties for nearly identical violations, including reporting inaccurate information and failing to properly notify consumers of their rights. XXXX XXXX ( XXXX XXXX ) is the representative involved on FCO 's end, account number # XXXX. 

My case demonstrates the same misconduct : FCO failed to provide required notice before reporting ( FDCPA 809 ( b ) ), reported disputed unverified information ( FCRA 1681s-2 ( a ) ), ignored attorney requests for proper validation, and sent verification after reporting the tradeline.

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 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tebo Financial Services, Inc.
State: OH

Complaint narrative:
I keep receiving old inquiries on my credit report that has been removed or fraudulent account on XX/XX/XXXXXX/XX/XXXX every other day i havent applied for anything or owe any money

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 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am experiencing systematic merchant fraud that Wells Fargo refuses to properly investigate. The same merchant has fraudulently charged two different debit cards that I never used at their establishment. 

Timeline : XX/XX/year> : Fraudulent transactions appeared on my debit card from XXXX XXXX XXXX XXXX  I have never visited this establishment or provided my card information to them Wells Fargo issued replacement card XX/XX/year> : Before I even received the replacement card, the SAME merchant processed fraudulent transactions on the new card number I never provided the new card information to anyone Pattern indicates systematic fraud : Same merchant accessed TWO different card numbers I have never been to this business Fraudulent activity occurred on replacement card before I possessed it This suggests either : ( 1 ) security breach in Wells Fargos card generation system, ( 2 ) merchant fraud scheme, or ( 3 ) organized fraud ring Wells Fargos inadequate response : Staff refuses to escalate to fraud investigation unit Claims this is Visas problem and suggests merchant has autopay subscription ( impossible since I never shopped there ) Only solution offered is dont have a debit card - this denies me basic banking services No investigation into how same merchant obtained multiple card numbers Pattern suggests other customers may be affected

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 2025-08-27 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: FL

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 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 2025-08-27 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:
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 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 2025-08-27 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:
I demand that late charge for my mortgage company removed immediately. I have received the proper documents and would like to apply PAANL. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: GA

Complaint narrative:
I demand that late charge for my mortgage company removed immediately. I have received the proper documents and would like to apply PAANL. 

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 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 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 non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
While reviewing my credit report, I discovered inquiries that I did not authorize and that are not associated with me.

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 2025-08-27 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed that my XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reported as open and current, with the last payment recorded on XX/XX/year>. While the account is currently open, I am concerned that the historical reporting of my payments may not be accurate. Any errors in reporting could misrepresent my financial behavior and XXXX  XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported as open and current, with the last payment recorded on XX/XX/year>. I am concerned that the accounts reporting may not fully reflect the accuracy of my payment history. Any errors could unfairly impact my creditworthiness and financial reputation.

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 2025-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: OR

Complaint narrative:
On XX/XX/year>, I submitted an ACH transfer to Robinhood in the amount of XXXX. It was supposed to be available on XX/XX/year>, for withdrawal or whatever use I had deemed necessary. 

The money was available, but then they decided to arbitrarily restrict my account. I had grown tired with Robinhoods policies, and wanted to transfer the money back to a different account I had that had been verified for months. They immediately rejected my transfer. Upon doing so, they locked my account with XXXX explaination, and put it under review for several days. 

I did not receive a single email notifying me of the restrictions, nor were there any attempts by Robinhood to ask what happened. 

I have tried to contact their customer service, but I am given either a busy singal and forced to wait on hold for an hour with XXXX response, or given automatic replies. This company has lost every bit of consumer confidence I have. Do not use Robinhood, unless you want your money stolen from you. XXXX XXXX is a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC
State: NJ

Complaint narrative:
They are attempting to collect a debt in the wrong amount. I requested validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), but they have not provided proper documentation. Despite my dispute, they continue collection efforts and/or reported the debt to the credit bureaus. I am requesting that the CFPB investigate and require the collector to provide full validation and correct any inaccurate 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 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sezzle Inc.
State: MA

Complaint narrative:
Paid in full agreed to delete from credit report now refusing to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: NY

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of XXXX law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX XXXX High Balance : {$2500.00} Account Number : XXXX XXXX  XXXX High Balance : {$680.00} Account Number : XXXX XXXX  XXXX High Balance : {$890.00} Account Number : XXXX XXXX  XXXX High Balance : {$4000.00} Account Number : XXXX XXXX - XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX XXXX XX/XX/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 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
am formally notifying you to cease all communication with me immediately regarding the above-referenced alleged debt, pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). Any further contact beyond what is permitted by law will constitute a violation and will be documented for legal action

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 2025-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint due to the reappearance of a previously removed account from my credit report, an action taken adequate justification. This action constitutes a potential violation of the Fair Credit Reporting Agency ( FCRA ).

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 2025-08-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX, MI, XXXX IC SystemsXXXX XXXX  XXXX XXXX XXXX XXXX MN XXXX Request for Debt ValidationAccount # XXXX To Whom It May Concern, I am writing in response to your attempt to collect an alleged debt regarding an account supposedly owed to XXXX XXXX I dispute the validity of this debt in its entirety. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you provide the following : 1. Proof that you are authorized to collect on this debt. 
XXXX. A complete payment history, starting with the original creditor ( XXXX ). 
XXXX. A copy of any contract or agreement bearing my signature that shows I am legally responsible. 
XXXX. Proof that this debt has not been paid, settled, discharged, or otherwise extinguished. 
Until you provide the above documentation, you must cease all collection activity, including reporting this account to any credit reporting agencies. Reporting unverified or inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).

If you can not validate this debt, you are required by law to remove it from my credit reports and cease all further collection activity. 
This is not a refusal to pay, but a notice that your claim is disputed. Please respond within 30 days of receipt of this letter. 
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 2025-08-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Possible Financial Inc
State: CA

Complaint narrative:
I am formally notifying you to cease all communication with me immediately regarding the above-referenced alleged debt, pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). Any further contact beyond what is permitted by law will constitute a violation and will be documented for legal action.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am requesting your help to review accounts from these companies that are inaccurately reporting late payments. My credit report shows certain accounts marked as late, which is incorrect. There should be no late payment remarksplease remove them and update each account to the agreed positive status. Furthermore, one account is being wrongly shown as delinquentit needs to be formally disputed and corrected to reflect no late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719. presume that no proof of the alleged debt. Nor therefore any such that in fact therefore exist. ( please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX XXXX  balance {$35000.00}, XXXX XXXX XXXX balance {$110000.00}, XXXX XXXX {$5900.00}

Company response to consumer: Closed with non-monetary relief