vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 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: CORELOGIC INC
State: KS

Complaint narrative:
XXXX ran a credit inquiry without my permission. The last couple days, they have harassed me and called me non stop since my wife and I have been inquiring into a mortgage with XXXX. I asked them to place me on a do not call list, and they proceeded to run a hard inquiry on my credit WITHOUT my permission.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Urgent Dispute & Request for Immediate Removal of Fraudulent Accounts Under FCRA Dear Equifax XXXX I'm writing to formally dispute fraudulent accounts and negative items that have appeared on my credit report as a result of Equifax data breach and identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), you are required to block and remove fraudulent accounts within four ( 4 ) business days upon receiving proper notification. 

XXXX XXXX XXXX {$1100.00} XXXX XXXX  {$6400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Commenity/ XXXX I received a call a couple of days ago from commenity I have three card with them two paid off and one with a balance of I believe {$120.00}. I been having this account on auto pay last month for some reason their system didn't took the payment even do I do not have my debit card information I have in their system my bank account information so there shouldn't be any issues with the auto pay. So when I checked the account still on auto pay I took a screenshot and the person I spoke with not too smart was going in circles because that same day I made the payment manually I mean of course I did because the auto pay didn't took it and now they reported to the creditor the late payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Prosper Marketplace, Inc.
State: MO

Complaint narrative:
I'm experiencing a financial hardship, and am behind on paying back the loan. Prosper is calling me to talk about this ( which in and of itself is fine ), but they are calling incessantly. 
They've called me 10 times in the last three days. 

On XX/XX/XXXX, they called me at XXXX, XXXX, XXXX, and XXXX ( all times I was unavailable due to work ). 

On XX/XX/XXXX, they called me at XXXX, XXXX, XXXX, XXXX, and XXXX ( all times I was unavailable due to work ). 

On XX/XX/XXXX, they called me at XXXX, and I was available and answered the call. It was an automated call that then began to " connect me to an agent '' as though I had called them. I failed to get connected to an agent because, according to their website, they don't have support hours on the weekends. So they're also placing automatic robo-calls to my phone to connect me to their support team on days that their support team isn't even working. 

I'm happy to talk with them, which is why I answered their phone call this afternoon ( the XX/XX/XXXX call ), but it's absurd to not only receive so many phone calls ( XXXX in XXXX days even! ), and for those calls to be an auto-dialer that then acts like I called them.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I called Experian and spoke to XXXX, They stated that they could not assist me and to contact my credit card company ( s ). I contacted XXXX XXXX XXXX XXXX XXXX credit card company and they stated that I made every payment and paid off my credit card as well. And my report from XXXX of XXXX this was corrected. I also contacted XXXX XXXX XXXX XXXXXXXX which was reported by Experian that I missed a payment. Again, I called the customer service line and XXXX was not able to guide or help me clear up the error.. And my report from XXXX of XXXX this was corrected. XXXX XXXX XXXXXXXX - Missed Payment- XXXX, XXXX, XXXX - XXXX Missed Payment - XXXX, XXXX, XXXX, XXXX, XXXX - XXXX Missed Payment - XXXX, XXXX, XXXX ( Amount {$2100.00} XXXX XXXX XXXX XXXX XXXX - Missed payment on XXXX ( Amount {$5000.00} ) All payments were up to date on record for payment history on Experian previously, not sure what might be going on but would like these correctly immediately.

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 2025-04-05 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: NY

Complaint narrative:
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( I ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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:
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( I ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 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 2025-04-05 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: NC

Complaint narrative:
I noticed that I have 2 collections on my credit from XXXX XXXX XXXX XXXX. 
I need a debt validation coming from them. 

1. I NEED A DETAILED LIST OF PAYMENT HISTORY ON THIS ACCOUNT COMING FROM ME. 

2. I NEED A SIGNED CONTRACT WITH MY SIGNATURE STATING THAT I AGREED TO PAY XXXX XXXX XXXX XXXX. 

3. I NEED PROOF OF ANY INSURANCE PLACED ON THE DEBT. 

4. I ALSO NEED DOCUMENTATION STATING THAT XXXX XXXX XXXX XXXX HAS THE LEGAL RIGHT TO COLLECT THIS DEBT. 

CREDIT LAW 15 USC 1692G.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: NC

Complaint narrative:
I noticed that I have 2 collections on my credit from XXXX XXXX XXXX XXXX. 
I need a debt validation coming from them. 

1. I NEED A DETAILED LIST OF PAYMENT HISTORY ON THIS ACCOUNT COMING FROM ME. 

2. I NEED A SIGNED CONTRACT WITH MY SIGNATURE STATING THAT I AGREED TO PAY XXXX XXXX XXXX XXXX. 

3. I NEED PROOF OF ANY INSURANCE PLACED ON THE DEBT. 

4. I ALSO NEED DOCUMENTATION STATING THAT XXXX XXXX XXXX XXXX HAS THE LEGAL RIGHT TO COLLECT THIS DEBT. 

CREDIT LAW 15 USC 1692G.

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 2025-04-05 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: IL

Complaint narrative:
I am submitting this complaint regarding fraudulent and inaccurate information currently being reported on my credit report. Despite my repeated efforts to resolve this issue directly with the companies involved, I have not received any assistance or resolution.

The accounts in question were fraudulently opened without my knowledge or consent and are a result of identity theft. I have submitted proper documentation, including an identity theft affidavit and a police report, as required under 15 U.S. Code 1681c2 ( USC 605B ). 

According to this federal law, consumer reporting agencies are required to block and remove identity theft-related information from a consumers credit report within 4 business days of receiving the appropriate documentation. I have complied with every requirement of this law, yet the accounts remain on my report. 

I am now demanding that this inaccurate information be removed no later than XX/XX/XXXX, XXXXwhich is within the required four business days from my formal submission date.

I am requesting the CFPBs assistance to ensure this matter is resolved immediately, in full compliance with federal law. 

Thank you for your time and attention.

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 2025-04-05 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: IL

Complaint narrative:
I am submitting this complaint regarding fraudulent and inaccurate information currently being reported on my credit report. Despite my repeated efforts to resolve this issue directly with the companies involved, I have not received any assistance or resolution.

The accounts in question were fraudulently opened without my knowledge or consent and are a result of identity theft. I have submitted proper documentation, including an identity theft affidavit and a police report, as required under 15 U.S. Code 1681c2 ( USC 605B ). 

According to this federal law, consumer reporting agencies are required to block and remove identity theft-related information from a consumers credit report within 4 business days of receiving the appropriate documentation. I have complied with every requirement of this law, yet the accounts remain on my report. 

I am now demanding that this inaccurate information be removed no later than XX/XX/XXXX, XXXXwhich is within the required four business days from my formal submission date.

I am requesting the CFPBs assistance to ensure this matter is resolved immediately, in full compliance with federal law. 

Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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:
This account was previously deleted and has now been reinserted without proper notice as required under FCRA Section 611 ( a ) ( 5 ) ( B ). Please provide proof of compliance, including the source and method of reinvestigation. Otherwise, this account must be permanently deleted.

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 2025-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: IL

Complaint narrative:
On XX/XX/year>, I submitted a formal written dispute to Jefferson Capital Systems , LLC regarding an alleged charged-off Upstart debt ( original creditor : XXXX XXXX XXXX XXXX, Account # : XXXX, XXXX Ref XXXX : XXXX ). In response, Jefferson Capital issued a boilerplate validation letter that failed to comply with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) in both substance and sufficiency.

Despite my lawful dispute, Jefferson Capital continued furnishing the tradeline to XXXX without correcting or substantiating the following deficiencies : No signed agreement or original contract establishing the alleged debt or consumer liability No itemized breakdown of charges, payments, or fees from the original creditor No documentation evidencing a valid assignment or legal right to collect the debt No chain of title or affidavit of sale demonstrating that Jefferson Capital is the rightful owner No documentation to substantiate the balance as reported to Experian This failure to provide material evidence in response to a direct consumer dispute violates multiple provisions of federal law : FDCPA, 15 U.S.C. 1692g ( b ) : A debt collector must cease collection and provide verification of the debt if a consumer disputes the debt in writing. Jefferson Capital did not provide adequate verification but continued furnishing the debt to XXXX. 

FCRA, 15 U.S.C. 1681s-2 ( b ) : Upon notice of a dispute, a furnisher must conduct a reasonable investigation and delete or correct information that is inaccurate or can not be verified. Jefferson Capital failed to meet this statutory duty.

FCRA, 15 U.S.C. 1681e ( b ) : Consumer reporting agencies ( and data furnishers ) must ensure maximum possible accuracy of the information they report. Inaccurate reporting of a disputed tradeline without supporting documentation contravenes this requirement.

FDCPA, 15 U.S.C. 1692e & 1692f : Continuing to report and collect on an unverified debt may constitute false, deceptive, or unfair practices. 


The response I received from Jefferson Capital was generic, lacked meaningful documentation, and demonstrated no attempt at a good-faith investigation or compliance with federal law. As a result, the continued reporting of this tradeline has caused material harm to my creditworthiness, obstructed access to financial opportunities, and inflicted reputational damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
There are inquiries on my credit report from XXXX and XXXX of XXXX  on all XXXX bureaus that I don't recognize and didn't give consent to.

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 2025-04-05 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: EQUIFAX, INC.
State: OK

Complaint narrative:
There are inquiries on my credit report from XXXX and XXXX of XXXX  on all XXXX bureaus that I don't recognize and didn't give consent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Name : XXXX XXXX Business Name : XXXX XXXX XXXX XXXX PayPal Account Email : XXXX Complaint : I am filing this complaint against PayPal regarding their decision to place an unjustified 180-day rolling reserve on our business account, resulting in nearly {$30000.00} of our funds being withheld without due cause or transparency. 

Our business, XXXX XXXX XXXX XXXX, operates fully within PayPal 's Acceptable Use Policy and Terms of Service. We have not been informed of any specific violation or risk-related reason that justifies such an aggressive reserve policy. To date, we have maintained a clean transaction history, low dispute rate, and a strong record of delivering goods and services to our customers. 

Despite repeated efforts to contact PayPal support and resolve the issue, we have received vague, automated responses and no clear explanation as to why such a large portion of our operating capital is being held. This has placed significant and unnecessary stress on our companys cash flow and ability to operate, especially given that we rely on access to these funds to fulfill customer orders and continue scaling the business responsibly. 

We are requesting : Immediate review and release of the held funds.

Clear communication from PayPal regarding what, if anything, needs to be resolved to remove the reserve ; Assurance that we will not be penalized for compliant and legitimate business activity. 

We believe this action by PayPal is not only excessive but also harmful to small businesses like ours that depend on timely access to revenue. We ask for assistance from the Consumer Financial Protection Bureau in addressing this matter and holding PayPal accountable for their lack of clarity, communication, and fairness. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, This Creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 states a Consumer reporting Agency furnish account without my written instructions. 15 USC 1666B A creditor can not treat a payment on Account under an open and Consumer Credit Plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have reported unauthorized inquiring transactions which is from Identity theft I did not give my written consent nor verbal consent, The listed companies are in violation of 1681b please investigate and send updated communication on this matter

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 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: MS

Complaint narrative:
XX/XX/year> i left XXXX XXXX  to fly to XXXX XXXX  as im in the air us bank lock mi card up i couldnt get no food no place to stay for me and my child i have been calling everyday and nothing have been done it was {$1800.00}

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year> I contacted TransUnion customer service. I have been trying to correct inaccurate personal information on my credit file and submitted supporting documents for my dispute. However, the supervisor I spoke with was rude and unhelpful, refusing to assist me despite my evidence. This has been an ongoing problem, and their lack of cooperation is frustrating. Please look into this matter and help resolve it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
I am disputing a charge of over {$6000.00} related to my former residence at XXXX XXXX XXXX XXXX XXXXXXXX ). I have already submitted extensive evidence to both the apartments corporate office ( XXXX ) and XXXX XXXX XXXX, including photos, videos, emails, and payment proof showing that I am not responsible for the majority of the charges. 

Despite this, I am still being pursued for the debt. 

The majority of the charges are based on : Damage that existed before I moved in ( e.g., a broken patio that was already patched when I arrived in XXXX before I even had pets ). 

Mold and major damage caused by an upstairs units water leak in XXXX that was never repaired until XXXX. 

Poor living conditions and maintenance delays, including exposed walls, rodent droppings, and carpet improperly installed over water damage. 

Retaliatory management behavior, including alleged false reports and discriminatory actions.

Lease mismanagement : I repeatedly asked for a new lease or month-to-month terms, but was ignored. I moved out on XX/XX/XXXX, and paid the full XXXX rent, despite leaving early. 

I have been charged for XXXX rent and repairs that were not my responsibility. These include fixing long-standing damages that existed before I lived there, and charges based on inaccurate information. My attempts to resolve this directly have been ignored or denied without real explanation. 


I ALSO have videos

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