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

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  Balance : {$980.00} Open Date XX/XX/XXXXXXXX XXXX Balance : {$610.00} Open Date XX/XX/XXXXXXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXXXXXX XXXX Balance : {$1200.00} Open Date XX/XX/XXXXXXXX XXXX XXXX  Balance : {$1000.00} Open Date XX/XX/XXXX XXXX  Balance : {$1300.00} Open Date XX/XX/XXXXXXXX XXXX Balance : {$850.00} Open Date XX/XX/XXXXXXXX XXXX Balance : {$1500.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance : {$670.00} Open Date XX/XX/XXXX XXXX Balance : {$1100.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$14000.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance : {$210.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$10000.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Date 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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Account has been closed for over a year and keeps reporting monthly 30 dates late and is affecting my score. They fixed it once and keep reporting and hurting score bad. Want is closed and off my credit and my score to return

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 2025-05-05 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM SO DISPLEASED THAT I HAVE FRAUDULENT ACCOUNTS ON MY REPORT THIS HAS BEEN A DEFEMATION OF CHARACTER AND HAS CAUSED STRESS. THE NEGLECT THE CREDIT AGENCIES ARE DOING IS A VIOLATION TO THE FCRA LAW. PLEASE THIS MATTER WITH THIS ACCOUNT AND INQURIES AS I AM TRYING TO BUY A HOME AND I DON'T NEED ANY FRAUDULENT ACCOUNTS ON MY REPORT THE ACCOUNT IS XXXX  ACCT # 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 2025-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not open or authorize these accounts, and it is unjust for me to be held responsible for them. I request immediate action to resolve this issue.

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 2025-05-05 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: WI

Complaint narrative:
I am requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under USC 1681g, I ask for their removal within the next 15 days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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:
I'm having issues with Equifax reportin a XXXX XXXX auto loan that has a bunch of errors. It's been showing charge off for like 2 years straight, but theres no info showing how the payments got late ( no 30, 60, or 90 day lates before the CO ). They didnt put the Date of First Delinquency ( DOFD ), or the Date of Last Activity either, wich I think are required by law.

Also, the report says the account is " Paid, Closed '' but still shows " Charge-Off '' after that?? That dont even make sense. Plus, it says Voluntary Surrender and Charge-Off at the same time, wich is totally confusing. I already disputed this and sent documents, and they didnt fix anything they didnt even mark the account as being disputed ( no XB code ).

All this has been afecting my credit score and honestly Ive tried to do things right but nobody seems to care.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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:
These reporting violations have not only substantially damaged my creditworthiness, financial standing, and reputationconstituting precisely the type of concrete harm recognized in Ramirez v. TransUnion LLC, 141 S.Ct. 2190 ( 2021 ) but also highlight systemic failures in reporting practices that violate the furnisher investigation requirements established in Saunders v. Branch Banking & Trust Co., 526 F.3d 142 ( 4th Cir. 2008 ). Pursuant to my rights under 15 U.S.C. 1681i ( a ) ( 1 ) and the investigative standards articulated in Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), It is MY Demand to get an immediate, thorough investigation, proper verification according to CDIA standards, and complete correction or deletion of all disputed items within the statutorily mandated timeframe to remedy these violations and ensure compliance with federal law and industry standards.

Under consumer protection rights established in Saunders v. Branch Banking & Trust Co., 526 F.3d 142 ( 4th Cir. 2008 ), I contest all adverse entries breaching statutory mandates of 15 U.S.C. 1681c-2.

Conduct a thorough examination of each disputed item and promptly delete all negative information associated with my file : XXXX XXXX XXXX XXXX XXXX XXXX  Delete this disputed information from all files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete this item now, as mandated by regulations. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent claimerase entirely. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove this entry in line with federal requirements. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Purge this unsubstantiated data from all records. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Expunge this improper information without delay. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Expunge this defamatory information without delay. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove this entry to maintain compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX Obligated to delete. Remove NOW! 
XXXX XXXXXX/XX/XXXX Remove this defamatory mark immediately. 
XXXX XXXXXX/XX/XXXX Remove this disputed record without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I am disputing the charge-off status being reported by SYNCB/PPC ( Synchrony Bank/PayPal Credit ) on my credit report XXXX account ending in XXXX. The account was closed on XX/XX/XXXX, and the last payment made was on XX/XX/XXXX. The account has had no activity since, and the balance remains unchanged at {$850.00}. 

Given the length of inactivity and lack of collection activity, I am requesting clarification on the status of this account. If the debt was canceled or charged off and is no longer being pursued, IRS guidelines require that a Form 1099-C ( Cancellation of Debt ) be issued. I have never received this form. 

I am requesting that SYNCB/PPC provide documentation verifying the current legal status of the debt, including whether it has been forgiven, canceled, or transferred. If it has been canceled, I request that a 1099-C be issued and the charge-off status be removed or corrected on my credit report. If not, I request proper debt validation under the Fair Credit Reporting Act. 

I am making this request in good faith and would appreciate the CFPB 's assistance in ensuring this account is reported accurately and in accordance with federal consumer protection laws.

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 2025-05-05 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: CO

Complaint narrative:
Company states that I owe them {$330.00} when I only had {$150.00} maximum after I call company company said I only owe them {$150.00} but they are trying to regain {$330.00} with no proof refusing to give paperwork And refusing to late payments away

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 2025-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 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 2025-05-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hi-I hope all is XXXX XX/XX/year> i thought it was my XXXX on XXXX requesting XXXX money of {$1000.00} & {$10.00} on a car our friend in FL was selling.I thought it was her pming me ( a private message ) wanting the {$1000.00} as a down payment on a used car for {$2500.00}. Her XXXX account was hacked & we didnt know XXXX is the XXXX time we ever transferred money by XXXXWe have been with BOA XXXX XXXX the BOA doesnt refund our {$1000.00}, we will close our XXXX checking & XXXX savings account with the BOA & we have over {$50000.00} in these XXXX accounts.They can easily afford to reimbuse us the {$1000.00} & should do it after being very good customers for XXXX yrs.They should refund us this money for a good will gesture.All have a nice day.Thank youXXXX & XXXX XXXX Why didnt they verify XXXX the hackers account was legit? I'm sure the name was fake.I have almost XXXX facebook friends & i posted that the BOA wont refund our {$1000.00}? Many facebook people & friends cant believe the BOA refuses to help us? If we close our XXXX accts-it will be the BOA that will lose the TD Bank is closer than our BOA Bank XXXXsince the BOA closed XXXX close branches near us & now its an inconvience to use their bank ( XXXX ) that are further away.The TD bank has better benefits as a new customer than the BOA.Please call me on any updates sine i get over XXXX emails daily & may miss it.Thank you.I cant send any XXXX eveidence sine the hackers account was closed by him or her so the private messages he sent & that i sent are no longer on 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 monetary relief
Consumer complaint received 2025-05-05 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: AL

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections.

Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization'ating my privacy riahts under federai law. Violation of the Higher Education Act ; As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a and the failure to uphold these legal protections.

Breath of Contract and Negligence ; The entity responsible for safeguarding my data 441.7K failed to do so, putting my financial security at risk. And unauthorized disclosure to third Parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: National Commercial Services, Inc
State: KS

Complaint narrative:
To Whom It May Concern : I am writing to formally report the abusive, intimidating, and allegedly unlawful conduct I have experienced at the hands of National Commercial Services ( NCS ), specifically by a representative named XXXX XXXX XXXX. 

Since the beginning of my dealings with NCS, the company has engaged in multiple practices which I believe, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, clearly violate my rights as a consumer. These include : The use of deceptive tactics and undue pressure to extract payments from me. 
Repeated verbal threats and psychological intimidation. 
A refusal to provide basic documentation validating the alleged debt. 
Conditioning the release of critical documentationnecessary for the reactivation of my driver 's licenseon an arbitrary payment, with no legal justification. 
Despite having submitted bills, proof of financial hardship, and a formal and verbal request for debt validation on XX/XX/year>, at XXXX XXXX., the company withheld the requested documentation until today, XX/XX/year>. I specifically requested : The original contract of the alleged debt. 
A breakdown of the claimed amount. 
A full payment history, including dates, amounts, and destinations. 
Any signed documents that prove or justify the existence and enforcement of the current balance. 
Additionally, I made two payments of {$200.00}, which I managed only by selling personal property. A month after the first payment, I was told that the payment was returned due to insufficient fundswithout any proof or receipt supporting this claim. This was used as a further pressure tactic. 

It is deeply concerning that, when I invoked my rights and reminded the company that federal law prohibits demanding specific minimum payments or conditioning access to services on payment, I was blocked, insulted ( called a " thief '' and " criminal '' ), and denied any further communication with the company. 

My sole source of income depends on my drivers license, as I work as a rideshare driver. The unjustified withholding of necessary documentation and the imposition of payments as a condition for its release are not only unlawful but directly impact my ability to work and support my family. 

I hereby request that appropriate measures be taken against this company for their abusive and unlawful practices. I reserve the right to escalate this matter to the relevant authorities, including the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), in pursuit of justice and remedy. 

Sincerely,

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

Complaint narrative:
I believe that these fraudulent accounts be eliminated from my credit report, as I never opened them and had no knowledge of their existence. Per USC 1681g, I am requesting their deletion within 15 days. Enclosed are relevant documents as proof.

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 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
I am writing to formally declare that I am a victim of identity theft. My personal information was fraudulently obtained and has been used without my knowledge or consent to open accounts and incur unauthorized debts in my name. 

I have reason to believe that my personal identifying information was compromised and may have been circulated on the dark web, where it has been used to establish accounts and obligations that I did not authorize.

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

Complaint narrative:
This late payment record is inaccurate and does not represent my consistent payment behavior. I have maintained timely payments, and I request its removal to ensure my account reflects accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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:
I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681. 

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2. 

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2025-05-05 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:
I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681. 

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2. 

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with non-monetary relief