vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Figure Technologies, Inc
State: FL

Complaint narrative:
This letter serves as a formal dispute of the above-referenced account and a request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, as well as a request for creditor identification pursuant to the Truth in Lending Act ( TILA ), 15 U.S.C.

1641 ( f ) ( 2 ).

Dispute & Request for Validation I dispute this debt in its entirety. Until you provide full validation, you must cease all collection efforts, reporting, and adverse action. Specifically, I demand that you provide : 1. A copy of the original signed Loan Agreement and Promissory Note.

2. A complete itemized accounting of the balance claimed, including principal, interest, escrow, fees, and any payments applied. 
XXXX. Documentation of any assignment, transfer, or securitization of this loan, including records of the transfer into XXXX XXXX XXXX and the current creditor. 
XXXX. The name and address of the current creditor/owner of the obligation, as required by XXXX XXXX. 
XXXX. Evidence that your company ( or any agent ) has the legal right to collect on this account. 
Until such documentation is provided, you are not permitted to continue collection activity under federal law. 
Notice of Security Interest As Executor and Trustee of the XXXX XXXX XXXX Irrevocable Trust ( XXXX : XXXX ), I further notify you that I hold a perfected first-position lien under Florida UCC XXXX XXXX. XXXX and amendment ( XXXX ). This security interest is preserved and reserved in all respects. 
Any assignment, transfer, or securitization of the loan, followed by continued collection, constitutes improper double recovery in violation of TILA ( 15 U.S.C. 1641 ), FDCPA ( 15 U.S.C. 1692 ), and Florida XXXX XXXX. 
Preservation of Rights This letter is sent via certified mail, return receipt requested to preserve my rights. Nothing herein shall be construed as a waiver of rights, remedies, or defenses under state or federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
Wrong person incorrect information being reported.I want it removed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
On XX/XX/year> my XXXX Credit card was used without my permission. I obtained proof of this charge and immediately disputed with XXXX, I was denied, I appealed, lost again, we are on the XXXX appeal. I submitted a receipt of the charge with XXXX showing the signature, and name on the charge are not myself. Still nothing. 

I did not authorize this charge. My name is not on the authorization form. My signature is not on the authorization form.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-15 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 ( 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 2025-10-15 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: AL

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 may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
PayPal has failed to uphold its Buyer Protection Guarantee for a dispute I opened against XXXX XXXX XXXX ( XXXX ). 

I purchased an item through PayPal on XX/XX/year>, for {$49.00}. I received the wrong product on XX/XX/XXXX, and immediately filed a dispute the same day. The seller later admitted fault and claimed to have processed a refund ( proof attached ), but no refund was ever issued. 

Despite providing proof and clear evidence of the sellers deception, PayPal denied my claim, incorrectly stating it was filed more than 30 days after purchase. This is factually false ; I filed the original claim within XXXX days. 

PayPal continues to deny responsibility and refuses to enforce their advertised Buyer Protection policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>. Contents Of Complaint : I am writing to request and investigation of the followings accounts I have NEVRED opened or use the accounts listed below. Im requesting the following information to be deleted from my early warning consumer report immediately I attached a copy of my report to this request. The accounts consist of an Bank account opened XXXX XXXX XXXX Id XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for continuing to publish inaccurate and misleading information about an XXXX XXXX XXXX auto loan, now showing under XXXX XXXX XXXX XXXX. The account opened on XX/XX/XXXX, with XXXX XXXX. The First Date of Delinquency ( FDO ) was XX/XX/XXXX, beginning the seven-year reporting period under FCRA XXXX XXXX a ) ( XXXX ). The tradeline must be deleted by XX/XX/XXXX. Despite multiple disputes, Equifax continues to report materially false data : XXXX. Incomplete payment history ( XXXX ) omits all payment data, violating FCRA XXXX ( a ) and XXXX XXXX XXXX. XXXX. False delinquency pattern and CO codes ( XXXX ) repeated charge-off reporting through XXXX, an act of illegal re-aging under XXXX ( a ) ( XXXX ) and XXXX XXXX XXXX XXXX. XXXX. Incorrect last-payment date Equifax lists XX/XX/XXXX, but XXXX ledger shows XX/XX/XXXX. XXXX. Inflated balance reports {$11000.00} ; XXXX waived {$1500.00} in fees on XX/XX/XXXX, true balance {$9900.00}. XXXX. XXXX failure Equifax verified without documentation from XXXX or XXXX, violating FCRA 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I solemnly affirm Under the risk of legal consequences that I am making an allegation against an individual or a company. According to this claim they utilized my social security number and card along with other personal identifying information without my consent to apply for goods services or succeeded in creating several accounts through this unauthorized action. I want to emphasized that I have no knowledge of these activities and the matter is currently under investigation by the FTC Unauthorized Accounts. XXXX XXXX XXXX {$870.00} Opened XXXX, XXXX XXXX SVCS Balance {$870.00} Opened : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
I am the victim of identity theft. Unauthorized individuals used my personal identifying informationincluding my name, date of birth, and Social Security XXXX open and/or use credit accounts and services without my consent. As a result, several fraudulent accounts were added to my credit reports with XXXX, Equifax, and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: LA

Complaint narrative:
Dear XXXX, This letter is being sent to you in response t - Response to a listing on my Credit Report. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for XXXX made pursuant to the above-named XXXX and XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( Equifax, Experian or TransUnion ) this action XXXX constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following XXXX, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This complaint is legitimate and demands immediate action. My credit report contains clear inaccuracies that fail to meet the required standard of maximum possible accuracy. These errors are causing real and ongoing harm to my lifefinancially and emotionallyand must be corrected or removed without delay.

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 2025-10-15 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: MD

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: TN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research 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 - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I reviewed my credit report and noticed XXXX or more soft inquiries from American Express that I did not authorize or recognize. 

Under the Fair Credit Reporting Act ( FCRA ), a company must have a permissible purpose to access my credit file even for soft inquiries. I have never applied for credit, requested information, or given consent for this company to access my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: WI

Complaint narrative:
Complaint Narrative ( for CFPB form ) : I am filing this complaint against XXXX XXXX for withholding and failing to assist with missing federal funds on my government-issued prepaid debit card. 

It took XXXX years for me to locate my missing {$600.00} stimulus payment from XXXX, which the IRS confirmed was deposited to my XXXX XXXX card. I no longer used that card and believed the account had been closed, as my XXXX benefits had been moved to a new account in XXXX. When I finally accessed the old transaction history, I discovered that {$180.00} was missing from the {$600.00} deposit. 

I immediately contacted XXXX XXXX to report that any transactions after the {$600.00} deposit were fraudulent, because I did not have possession of the physical card and had not authorized any use of it since XXXX. XXXX XXXX refused to help and told me they only dispute transactions going back XXXX months, even though the funds were federal benefits and I had no way of knowing the payment was ever deposited until now. 

This policy is unfair and unreasonable. I had no access to the account, no notifications from XXXX XXXX, and no way to discover these charges earlier. Regardless of the time that has passed, the missing {$180.00} was never authorized by me and should be reimbursed. I am requesting that XXXX XXXX fully restore the {$600.00} federal stimulus payment to my account as required under federal protections for government benefit funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC
State: WA

Complaint narrative:
XXXX  and XXXX credit cards have the same practice which makes it impossible to have a {$0.00} balance reported to the credit bureaus. The due date is the XXXX of every month. I pay my entire balance off before the XXXX. The XXXX is also the statement closing date. On the XXXX they retroactively charge an account maintenance fee as of the XXXX. They report your balance to the credit bureaus on the XXXX of every month. By retroactively charging the fee there is no way to pay it before they report to the bureaus. I called and asked them if they could stop retroactively charging the fee so I have a chance to pay it. They said there is nothing they can do. If they charge the fee on the XXXX I should be able to pay it so I can possibly have a XXXX balance.They also won't allow me to pay the fee in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I began receiving collection notices and phone calls from Midland Credit Management , Inc. for a debt that does not belong to me. I have never opened or authorized any account with the alleged original creditor. Based on the information I received, I believe I am the victim of identity theft. 

After receiving the first notice, I immediately took the following steps : Filed an Identity Theft Report. 

Submitted disputes regarding this account with XXXX XXXX XXXX XXXX under my rights granted by the Fair Credit Reporting Act ( FCRA ). 

Sent written notice to Midland Credit Management disputing the debt and informing them that it resulted from identity theft. 

Despite these actions, I have continued to receive third-party collection letters threatening to sue and garnish my wages. These threats and continued collection efforts are being made regarding an account that I did not open and do not owe. 

I am requesting that Midland Credit Management : 1. Cease all collection activity related to this fraudulent account. 

XXXX. Provide full validation and documentation of the alleged debt, including the name of the original creditor and any signed agreements. 

XXXX. Remove any negative reporting associated with this fraudulent account from all credit reporting agencies. 

I am submitting this complaint to the CFPB for assistance in having this matter properly investigated and resolved in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and FCRA.

Company response to consumer: Closed with non-monetary relief