vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My mortgage company has been sending information to all credit bureau 's, but not being shown at all on transunion or Experian, which in this case is hurting my credit and denied loans because of it and filed disputes with both and they can't seem to straighten it out, filed them back in XX/XX/XXXX or so. Also there is a bankruptcy showing on one and should not because was never completely filed and also several collections that are beyond the statue of limitations, I would like removed, But in general the mortgage on s the big one killing me and my credit by over XXXX points and some going to look into compensation for their in accuracy

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 2025-07-02 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: TN

Complaint narrative:
b"This CFPB complaint has been filed to request pursuant to FCRA  605B (15\nU.S.C.  1681c-2) that you the TransUnion credit reporting agency, block\ninformation appearing on my consumer credit report that is the result of identity\ntheft and fraud within 4 business days of you receiving this complaint. These\nfraudulent accounts consist of an account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several\nfraudulent hard inquiries and fraudulent collections appearing on my consumer\nFICO credit report. I've attached a list of the hard inquiries in question as well as\na copy of the consumer FICO credit report maintained by you which shows the\naforementioned fraudulent items. I do not recognize the aforementioned\naccounts, collections, or hard Inquiries as reported. The aforementioned\naccounts, collections, and hard inquiries appearing on my consumer credit report\nmaintained by you were not opened, made, or initiated by me. All of the\naforementioned accounts, collections, and hard inquiries are the result of identity\ntheft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint\nas proof from the US Federal Trade Commission that all of the aforementioned\nconsumer credit accounts, collections, and hard inquiries are the result of identity\ntheft and fraud."

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 2025-07-02 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: LA

Complaint narrative:
On XX/XX/year>, a fraudulent charge of {$240.00} was made through my PayPal account using my XXXXXXXX XXXX account. I did not authorize this transaction and received nothing from the seller. 

I disputed the charge with XXXXXXXX XXXX  and was refunded {$210.00}. That refund was sent to my PayPal account and then automatically transferred to my XXXX account. 

However, PayPal now claims I owe them {$220.00}, even though I was a victim of fraud. I attempted to dispute the transaction through PayPals Resolution Center, but it says, Were sorry you cant file a case on this type of transaction. Ive also contacted PayPal customer service, but they have not resolved the issue or acknowledged that the charge was unauthorized. 

I am being held financially responsible for a transaction I didnt authorize, with no way to dispute it or reverse the negative balance on my account. I am asking the CFPB to help escalate this complaint and force PayPal to reverse the {$220.00} negative balance and acknowledge this as a fraud case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$44000.00} INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NATIONAL DEBT RELIEF LLC
State: MN

Complaint narrative:
Hello XXXX XXXX to cfp angency I am very concerned in regards to our latest conversation in regards XXXX XXXX  sent me the enclosed ( Proof ) settlement agreement. 
You want the case closed and stated I need pay {$1900.00}. 
I can't do that. 
The proof of agreement is attached. 
I paid you folks at National Debt Relief another {$87.00} as you stated. 
You couldn't pay me the difference from the XXXX That came from my initial equity loan that proof herein as well. 
I need the above total deducted today. 
From the XXXX The recent {$87.00}. 
I been waiting for the return of over pay you received from my loan. 
You have all the proofs. 
I am quite upset with XXXX XXXX XXXX your company who supposed to be helping me but contrary when if I pay XXXX who is XXXX XXXX, your holding my check, you have the money from my loan yet there a problem with returning me the difference which XXXX settled with us. 
Then you expected & received the enclosed payments and now requested and I paid you another {$87.00} bucks. 

I received another amount of {$1200.00} Through XXXX XXXX XXXX XXXX. 

BEEN making all those payments for National debt relief see attachment. 
Your payments. 
The checks your holding which was taken from my equity line I seek over payment & I am upset that I pay & paid XXXX. XXXX  On behalf of National debt relief. 
Yet the checkout XXXX In your possession with a difference owed back to me. 
Yet XXXX XXXX XXXX requesting the above amount? 
That double jeopardy. 
Paying more than the agreed settlement how can XXXX collections you & them demanding same Debt for same credit card XXXX. 
While XXXX settled with even a lower amount as seen it was stated {$1200.00} I never received the written agreement. 
However enclosed is the proofs. 
I need my account credited or mailed check To me for the over payment you received from my equity line Feel free call me ; ( XXXX ) XXXX XXXX See : copies to XXXX XXXX XXXX XXXX XXXX I believe to be : The XXXX XXXXXXXX XXXX XXXX XXXX Requesting a rush on my over payment you been sitting on for some time now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX I had a credit limit of {$2000.00} and never missed a payment and always in good standing. Now as of XXXX my credit limit has decreased to {$460.00} and I dont understand why. Citibank XXXX XXXX representative said that they will send a letter to why this happened. I just want my normal limit of {$2000.00} back because this will hurt my credit utilization and drop my credit score. Thanks in advance for your assistance

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 2025-07-02 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: HI

Complaint narrative:
Subject : Formal Dispute Under 15 U.S.C. 1681s-2 for Reporting Errors and Legal Notice of Lawsuit To Whom It May Concern, I am writing to dispute inaccurate information that has been reported to the credit bureaus regarding my credit history. This information appears to be incomplete, outdated, and potentially inaccurate, which violates my rights under 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ).

Disputed Information : Creditor Name : [ Name of the Creditor ] Account Number : [ Last Four Digits of Account Number ] Description of Discrepancy : [ Describe the error or dispute e.g., " The reported late payment was paid on time but not reflected, '' or " Account was listed as open when it was closed. '' ] According to 15 U.S.C. 1681s-2 ( a ), furnishers are required to report accurate and complete information to the credit bureaus. Furthermore, when a consumer disputes information, under 15 U.S.C. 1681s-2 ( b ), you are legally obligated to investigate the dispute and respond to the credit bureaus with an updated report. Failure to comply may result in legal consequences under FCRA 1681n and 1681o, which provide for statutory, actual, and punitive damages.

Legal Notice of Lawsuit If the disputed item is not corrected or removed promptly, I will be forced to take legal action, including but not limited to filing a lawsuit for : Willful or Negligent Violation of the Fair Credit Reporting Act under 15 U.S.C. 1681n and 1681o.

Failure to Conduct a Reasonable Investigation after a dispute under 15 U.S.C. 1681s-2 ( b ).

Failure to Update or Correct Information as required under 15 U.S.C. 1681s-2 ( a ).

Please be advised that I expect a resolution to this matter within 30 days of receipt of this letter. If the information remains unchanged or no action is taken, I will consider this an act of willful noncompliance and proceed with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
b"I've had the car for XXXX XXXX years and had to put thousands into repairs. Then in XXXX XXXX the engine blew and I refused to put anymore money into it so I had them come and repossessed it."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: AZ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-07-02 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: FL

Complaint narrative:
A creditor may not treat a payment on a credit card account as late for any purpose unless the creditor has adopted reasonable procedures to ensure that periodic statements are mailed or delivered at least 21 days before the payment due date. They never did. Send me proof of this please, And I am a victim of identity theft

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A creditor may not treat a payment on a credit card account as late for any purpose unless the creditor has adopted reasonable procedures to ensure that periodic statements are mailed or delivered at least 21 days before the payment due date. They never did. Send me proof of this please, And I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: OK

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 non-monetary relief
Consumer complaint received 2025-07-02 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: OK

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX INQUIRIES : XXXX Date : XXXX XXXX XXXX Date : XXXX XXXX Date 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 2025-07-02 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: TX

Complaint narrative:
I am submitting this letter as a formal dispute under the Fair Credit Reporting Act regarding a reported late payment that I believe is inaccurate. I reviewed my records and found no indication that the payment was made after the due date.

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 2025-07-02 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: OH

Complaint narrative:
This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ) 1681i and the Fair Debt Collection Practices Act ( FDCPA ). Upon reviewing my credit report, I have identified serious inaccuracies, outdated derogatory information, and Metro 2 compliance violations that must be investigated and corrected or 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 2025-07-02 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: OH

Complaint narrative:
This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ) 1681i and the Fair Debt Collection Practices Act ( FDCPA ). Upon reviewing my credit report, I have identified serious inaccuracies, outdated derogatory information, and Metro 2 compliance violations that must be investigated and corrected or permanently deleted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/2022, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
According to my credit file, this account is reported as a foreclosure. However, this is incorrect. While I did receive a foreclosure notice from my lender on or around XXXX, XXXX, I promptly resolved the issue by paying off the loan in full on XX/XX/year>, before any foreclosure was finalized or sale of the property occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: State Collection Service, Inc.
State: WA

Complaint narrative:
this a item ( state collection service ) for the amount of {$740.00} that is being reported to my credit report. this item is fraud i never did business with them and getting harassing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation