vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: PA

Complaint narrative:
I do not have a contract with this alledged creditor nor did they provide me with any evidence of an agreement. I did not consent to them utilizing my signature as this is identity theft and fraud under FCRA laws. This is willful misconduct as a Child support is not a consumer credit transaction.

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 2025-05-15 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: FL

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against American XXXX XXXX due to significant discrepancies in how my account is being reported to the three major credit bureaus : Equifax, XXXX XXXX XXXX. These discrepancies have not only resulted in misleading negative information on my credit profile, but they have also directly interfered with my ability to access capital, which constitutes a violation of my consumer rights.

Upon review of my reports, I have identified the following inconsistencies : 1. A 30-day late payment is being reported in XX/XX/XXXX, despite payment history clearly showing " OK '' ( on-time ) status for that month. 

XXXX. The " Date of Last Payment '' differs across bureaus : Equifax shows XX/XX/XXXX, while XXXX  reflects XX/XX/XXXX. 

XXXX. The " Last Activity '' date also varies : Equifax  reports XX/XX/XXXX, XXXX  lists XX/XX/XXXX, and XXXX  lists XX/XX/XXXX. 

XXXX. The loan terms are inconsistent : 74 months in Equifax  and XXXX, 72 months in XXXX. 

XXXX. " Last Reported '' dates are inconsistent : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These variations and misreported details contradict each other and violate provisions under : The Truth in Lending Act ( TILA ) - requiring accurate and transparent disclosure of credit terms.

The Fair Credit Reporting Act ( FCRA ) - requiring furnishers and CRAs to report information with maximum possible accuracy ( 15 U.S.C. 1681i ).

This ongoing misreporting is directly impacting my creditworthiness, blocking financial opportunities, and damaging my ability to access essential funding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EVERBANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am submitting this letter as a formal supplement to my existing Consumer Financial Protection Bureau ( CFPB ) complaint regarding the fraudulent use of the name XXXXXXXX XXXX XXXXXXXX. in mortgage assignment documents and foreclosure proceedings. 

Regulatory Evidence from the XXXX On XX/XX/XXXX, I received official documentation from the Office of the Comptroller of the Currency ( XXXX ), confirming the following : XXXX XXXX XXXX XXXX XXXX XXXX. ), XXXX XXXX XXXX, merged with and into XXXX XXXX XXXX XXXX, a nonbank affiliate, effective XX/XX/XXXX. 
XXXX XXXX XXXX. : XXXX XXXX Certification Letter, dated XX/XX/XXXX As a result of this merger, XXXXXXXX XXXX XXXXXXXX. ceased to exist as a national banking association on that date. 
" XXXXXXXX XXXX XXXX XXXXXXXX will cease to exist as a XXXX banking XXXX on the effective date. '' XXXX XXXX, XX/XX/XXXX The XXXX has no record of any merger or acquisition involving EverBank or XXXX XXXX  XXXX as successor entities to XXXXXXXX XXXX XXXX. Despite the certified dissolution of XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Mortgage assignments and legal documents continue to list XXXX XXXX, XXXX. as the assignor, without reference to its dissolution. 
Some assignments falsely claim a merger with EverBank or XXXX XXXX  XXXX, which is untrue and unsupported by any OCC or FDIC regulatory documentation.

These documents have been used to : Initiate or support foreclosure actions, Misrepresent legal standing in court proceedings, Perpetuate a fraudulent chain of title.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: NC

Complaint narrative:
I am writing to request the removal of inaccurate and unauthorized accounts and inquiries from my credit report as a result of identity theft. In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting that these items be blocked and deleted. Enclosed are a list of the disputed items and a copy of my Identity Theft Report filed with the Federal Trade Commission. Please conduct an investigation and provide written confirmation once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Dear CFPB, Im submitting this complaint regarding how PayPal, Inc. handled a dispute I filed concerning a transaction with XXXX, an online trading platform. The merchant refused to release funds after I fulfilled their publicly advertised bonus and withdrawal conditions a situation I believe qualifies as a service not delivered as agreed. 

On XX/XX/year>, I submitted a dispute through PayPal 's Resolution Center. The claim was denied on XX/XX/year>, with PayPal stating it did not qualify as a " billing issue. '' However, my claim did not involve a billing error it was a service-related dispute concerning non-performance. The merchant failed to honor its own withdrawal policy after I met their stated XXXX trading turnover requirement. This appears to be a misclassification that prevented a proper review under PayPals Buyer Protection policy. 

On XX/XX/year>, I submitted an appeal, including new and relevant documentation : Screenshots showing I met the merchants XXXX turnover requirement. 

Acknowledgment from XXXX confirming my request to remove the trading bonus. 

Trading activity logs showing continued activity after the account was supposedly blocked or placed in a negative status. 

Proof that no funds or profits were received despite ongoing account activity. 


PayPal denied the appeal on XX/XX/year>, but there was no indication that the newly submitted evidence was considered in the review. The response did not reference any of the new material, and I was left unsure whether the appeal received a full and fair assessment,

as PayPals policy suggests it should. Im requesting that the CFPB review this matter to determine : Whether PayPal is correctly classifying disputes based on their nature and context.

Whether appeals with new evidence are given comprehensive review per PayPals policy.

If current practices align with the company 's stated Buyer Protection commitments, especially in cases involving digital services. 


Thank you for your time and attention. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Lewis & Clark Capital LLC
State: TX

Complaint narrative:
I have contacted FTL and my Bank each at least XXXX times. XXXX XXXX XXXX called and spoke to FTL to understand why FTL is not receiving the checks that XXXX is issuing to my account the same checks which have been sent monthly for the past XXXX years. On XXXX of the many conversations with FTL I requested my payoff amount they said that it was {$210.00}. So, after XXXX canceled the monthly check on XXXX that they regularly send for the amount of {$220.00} they reissued a second check for the total payoff amount. This check posted to my XXXX account on XXXX. It is now XXXX XXXX XXXX XXXX FTL continues to claim that they have not received any checks? XXXX a representative with XXXX told me that she contacted a FTL representative who denied her the request to send a fax to check and make sure that FTL would actually receive her fax that contained a letter of good faith. I also asked FTL was it possible that they had changed my account number there response was NO. You can blame the XXXX Postal service for XXXX check- but you are now asking me to believe that they lost another separate check sent XXXX weeks apart. And so of all the checks that XXXX XXXX XXXXXXXX issues to FTL it just so happens that my XXXX checks were the only ones stolen?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2025-05-15 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: PA

Complaint narrative:
I do not have a contract with this alledged creditor nor did they provide me with any evidence of an agreement. I did not consent to them utilizing my signature as this is identity theft and fraud under FCRA laws. This is willful misconduct as a Child support is not a consumer credit transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I ask wells fargo bank to stop a XXXX  payment, they said nothing they can do since is a wire transfer

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 2025-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-05-15 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: IL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. This day over 60 days later I have not yet received a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-05-15 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:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account NamXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED 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 2025-05-15 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The XXXX credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$140000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$55000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The XXXX credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$140000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$55000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$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 2025-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/year>

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 2025-05-15 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: CA

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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