vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 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: DC

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 2025-08-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: TX

Complaint narrative:
I have bought glasses from XXXX XXXX  and was financing through American first finance for a total of {$420.00} on XX/XX/year>. I had cancelled my glasses order with XXXX XXXX  on XX/XX/year> but im still being charged for something that I do not own and has since been cancelled. I chatted with XXXX customer service to stop the payments and to cancel my account. But i was told i will get a refund once they speak with the eye doctor to confirm it has been cancelled on their end. So I go to XXXX XXXX  in person to have the eye doctor cancel and confirm with XXXX and was told i would get a refund and they will close my account. I never received a refund and i got a notification that im late on a payment for glasses that has already been cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Scott Fetzer Financial Group Inc.
State: AZ

Complaint narrative:
On XX/XX/year>, I spoke to a representative from XXXX XXXX  related to the relief of a timeshare that I was tricked into purchasing. After hounding me with several emails to set up an appointment with a fast talking representative, I finally made an appointment with this company who assured me that they would help me to get out of this timeshare and that it would take some time and the charge would be XXXX. Since I was in a bind with my timeshare already for XXXX and needed the help to avoid the impact to my credit, I agreed. They sent me the contract and I signed but later found out that they would have me doing all of the work. I am not paying someone XXXX just to tell me what to say and then I have to submit everything. The process was never started and other than signing the contract, I have not submitted any of the requested documentation needed to move forward. In addition, I have made an agreement with my timeshare company to try to resolve the issue with them, which means that I will not need these services anyways. I have made several attempts to reach out to this company, which now is being handled by United Consumer Financial Services Company, who never answers the phone and does not return calls but encourages you to leave a message ( scam ). I need this to go away and would like to report them to the better business bureau. People should be aware of this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
This complaint is being filed against Experian XXXX XXXX XXXX XXXX and Portfolio Recovery Associates , LLC ( PRA ) for their willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Colorado Fair Debt Collection Practices Act ( CFDCPA ), C.R.S. 5-16-101 et seq.

Summary of Issue : I disputed a collection account being reported by Portfolio Recovery Associates ( original creditor : XXXX XXXX Bank, XXXX, balance : {$2300.00}, date opened : XX/XX/XXXX ). Despite my dispute, Experian failed to properly reinvestigate the tradeline and instead confirmed the inaccurate reporting. On XX/XX/XXXX, Experian notified me that the account would remain unchanged.

Violations Identified : 1. Failure to Conduct a Reasonable Reinvestigation FCRA 611 ( 15 U.S.C. 1681i ) : XXXX investigation merely confirmed the data with XXXX and did not require legally sufficient documentation. 
2. Reporting of Inaccurate Information FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : PRA has provided no proof of ownership, chain of title, or account-level documentation establishing accuracy.

3. Misrepresentation of Verification FDCPA 809 ( 15 U.S.C. 1692g ) : Litigation filed by PRA is being used as a substitute for validation, which is improper and unlawful.

4. Misleading Notations CFDCPA, C.R.S. 5-16-101 et seq. : The tradeline is reported as both Collection/ {$2300.00} Past Due and Previously disputed consumer disagrees, which is misleading and prejudicial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I sent ProCollect and all three credit bureaus a final dispute package with certified delivery. This included documentation from the original creditor, XXXX XXXX XXXX confirming I am not liable for the alleged {$940.00} account that ProCollect continues to report. 
Despite receiving this evidence, ProCollect continues to furnish the account, and the credit bureaus continue to report it. 
ProCollect recently submitted a response to my CFPB complaint that completely ignored my XX/XX/XXXX documentation and instead recycled the same boilerplate response from XXXX. This demonstrates ProCollect did not conduct any reinvestigation and is willfully publishing false information. FDCPA, 15 U.S.C. 1692e & 1692f ProCollect is misrepresenting the legal status of the debt and continuing collection activity without validation.

FCRA, 15 U.S.C. 1681s-2 ( b ) ProCollect, as a furnisher, is required to investigate disputes and delete unverifiable or inaccurate information. They ignored evidence and re-reported false information. 
FCRA, 15 U.S.C. 1681i & 1681e ( b ) The credit bureaus are knowingly publishing inaccurate information after being given documented proof .Because of this false reporting, I was denied housing and remain unable to secure alternative housing. I have suffered financial harm, wasted time, and significant emotional distress as a result. 
This is now the fourth CFPB complaint I have filed relating to ProCollect and the credit bureaus handling of this false account. The prior complaint numbers are : CFPB Complaint # XXXX CFPB Complaint # XXXX CFPB Complaint # XXXX Despite repeated filings, ProCollect and the credit bureaus continue to ignore the documented proof from XXXX confirming I do not owe this balance.

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX Date : [ Insert Date ] Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Re : Formal Complaint Inaccurate Reporting of Late Payments in Violation of 15 U.S.C. 1681e To Whom It May Concern : I am filing this complaint regarding inaccurate and damaging reporting of late payments on my credit history.

Pursuant to 15 U.S.C. 1681e of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to maintain reasonable procedures to assure maximum possible accuracy in the information they report. The late payment data being reported against me does not meet this standard and is therefore in direct violation of federal law. 

These false entries are materially harmful to my creditworthiness and have caused me financial injury. Since the law requires maximum accuracy, and these accounts are being reported inaccurately, I am demanding the removal of all late payment entries from my credit reports. 

For your review, I have attached copies of the credit reports showing the incorrect late payment entries. 

I request that the CFPB immediately investigate this matter and take corrective action by compelling the credit bureaus to delete the all late payment records. I also request written confirmation of this action once completed. 

Thank you for your attention to this matter and for upholding the consumer protections provided under federal law. 

Respectfully 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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-23 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Subject : PayPal refusal to freeze fraudulent account and recover damages Details of Complaint : I am a XXXX resident and a verified PayPal user. I reported confirmed fraud involving another PayPal account ( Email : XXXX ). The account owner : Filed a false item not received claim despite documented service delivery. 
Deliberately caused property damage exceeding {$2400.00}, supported by photographs, witness statements, and an official police report ( XXXX XXXX : XXXX ). 
Is currently under active police investigation. 
I submitted a formal legal demand under PayPals User Agreement ( Sections 4.1, 9.1, 10.2 ), requesting immediate account freeze, debt placement, and referral to collections. PayPal has not taken adequate action to protect its platform or recover damages. 
Requested Resolution : Freeze the fraudulent account immediately. 
Impose a {$2400.00} debt on the account and recover it via collection procedures if unpaid. 
Fully cooperate with law enforcement by providing account records. 
Failure to act enables continued fraud and may violate PayPals obligations under federal consumer protection laws. I request that CFPB require PayPal to respond in writing and confirm enforcement actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
To the American Express XXXX, I am writing to formally dispute the cancellation of my XXXX XXXX account and to request a refund of the associated annual fee. This action has become necessary due to American Express 's failure to process identity verication documents that were submitted within the stipulated timeframe, leading to an erroneous account closure. I understand cancellation XXXX not be rescinded, so demand a full refund of the annual fee paid. 
On XX/XX/XXXX, I received an email notication from American Express requiring me to submit identity verication documents within XXXX calendar days ( See Evidence XXXX section for detailed record ). I promptly complied with this request, providing the complete notarized document on XX/XX/XXXX. Records of the fax transmission and the content of the uploaded document, which fully met the specied requirements, are available for your review ( See Evidence XXXX section for detailed record ). 
Despite my timely submission, American Express issued a letter on XX/XX/XXXX, indicating the closure of my account on the grounds that the required document had not been received ( See Evidence XXXX for detailed record ). Subsequent discussions with the American Express fraud team initially echoed this claim ; however, during these conversations, American Express fraud team conrmed that they were able to locate the document within your fax system. Regrettably, I was informed that the decision to close the account was XXXX and irreversible. 
I have dedicated considerable time, involving at least XXXX phone calls and numerous hours, attempting to resolve this issue with American Express representatives. These efforts have unfortunately resulted in my being redirected repeatedly without a satisfactory resolution. 
Given the circumstances, where the account cancellation stemmed directly from an internal processing error on the part of American Express, I respectfully but firmly demand an immediate and full refund of my annual fee. 
I anticipate your prompt attention to this matter and a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$170.00} XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$310.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-08-23 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: GA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$170.00} XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$310.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-08-23 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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