vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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:
On XX/XX/year> I received an email from Experian that {$1000.00} had been added to the balance of my mortgage on my home. I had a payment due today, and I paid it on yesterday. So, I checked my mortgage account and my mortgage balance had decreased rather than increased because I had made a timely payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
We had a friend on XXXX that was offering items for her aunt for sale and we didn't realize until it was too late that it was a scam. We immediately called PayPal and they said there was nothing they would do about it since it was friends and family. They told us to file a police report, submit a complaint to cyber crimes, and put a stop payment on the bank account. We did everything they said. XXXX days later, the payment showed up and the bank stopped it just like they were told. We immediately got a message on XXXX from the account that had been hacked asking why we stopped payment. I called PayPal again and they said the person was 'probably lying ' and we still owed the {$800.00} because while the payment was stopped, paypal insisted they paid it so we owed it. Never mind that the email was still there and they did nothing to the person who had taken the money. Even after giving them the police report number, etc, they refused to knock the debt off our account. It was sent to collections to XXXX XXXX XXXX XXXX and they refuse to listen to anything and basically told us we're dumb and we're stuck with it. Being told we owe {$800.00} for something is ridiculous when the 'seller ' is still on paypal and is getting away with it - and possibly doing the same to other people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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:
Request to Remove Fraudulent Accounts and Inquiries Dear Equifax Dispute Department, I am writing to formally dispute several accounts and hard inquiries on my credit report that are the result of identity theft. The accounts listed below were not opened by me, and the hard inquiries were not authorized. 
Other credit reporting companies have already removed these fraudulent items from my credit history months ago, and I have submitted multiple requests to Equifax. However, these accounts and inquiries remain on my report. 
Fraudulent Accounts : XXXX  XXXX XXXX ( Charged Off ) XXXX  XXXX XXXX ( Paid, Closed/Never Late ) Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX I request that Equifax promptly remove all fraudulent accounts and inquiries from my credit report to correct the damage caused by this identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
Request to Remove Fraudulent Accounts and Inquiries Dear Equifax XXXX Department, I am writing to formally dispute several accounts and hard inquiries on my credit report that are the result of identity theft. The accounts listed below were not opened by me, and the hard inquiries were not authorized. 
Other credit reporting companies have already removed these fraudulent items from my credit history months ago, and I have submitted multiple requests to Equifax. However, these accounts and inquiries remain on my report. 
Fraudulent Accounts : XXXX  XXXX XXXX ( Charged Off ) XXXX  XXXX XXXX ( Paid, Closed/Never Late ) Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX, XXXX Bank of XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Bank of XXXX XX/XX/XXXX XXXX XX/XX/XXXX I request that Equifax promptly remove all fraudulent accounts and inquiries from my credit report to correct the damage caused by this identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Company : Experian Information Solutions , Inc . 
Product : Credit reporting Issue : Incorrect information on credit report / failure to provide results 1. Summary of the Complaint Experian failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) in handling my disputes of inaccurate reporting by XXXX Bank XXXX Despite multiple disputes, Experian did not mail me the required written results, verified inaccurate information without correction, and continues to report illegal re-aging of a charged-off account. 

2. Account in Dispute Creditor : XXXX XXXX XXXX Bank Account # : XXXX ( last four digits redacted for privacy ) Status being reported : Paid, Closed. {$110.00} written off with charge-off codes ( C/O ) appearing every month from XX/XX/XXXX through XX/XX/XXXX. 

3. Timeline of Events XX/XX/XXXX : I submitted a formal written dispute to Experian regarding this account ( sent certified mail, receipt attached ). 

XX/XX/XXXX : According to Experians online portal, the dispute was closed as verified. I never received mailed results as required under FCRA 611 ( a ) ( 6 ). 

XX/XX/XXXX : I submitted a Method of Verification ( MOV ) letter ( copy and certified tracking proof attached ). 

XX/XX/XXXX : Experians online portal shows the MOV investigation was closed as verified, but again I never received mailed results. 

Current reporting : Experian continues to report charge-off codes every month from XXXX, despite the creditors own records confirming the account was charged off in XX/XX/XXXX and paid in full XX/XX/XXXX. 

4. Violations of FCRA Failure to mail results of reinvestigations ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Experian was required to mail me written results within 5 business days of completing both disputes. They failed to do so.

Unreasonable reinvestigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Experian verified the account without addressing the illegal re-aging issue or providing a reasonable explanation of their process.

Illegal re-aging / inaccurate reporting ( 15 U.S.C. 1681e ( b ) ; 12 C.F.R. 1022.43 ) Charge-off is a one-time event. Reporting C/O every month for more than 4 years constitutes re-aging and misrepresents the account history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
On XX/XX/year>, I mailed a formal debt validation request to National Credit Systems regarding an alleged rental debt connected to XXXX XXXX  at XXXX XXXX XXXX, balance {$3400.00}. XXXX records confirm the company received my letter on XX/XX/year>. 

Under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ), once a consumer disputes a debt and requests validation, the collector must cease all collection and credit reporting activity until validation is provided. As of today, XXXX has not provided any validation, such as an itemized account statement, a copy of the original lease agreement, proof of assignment, or records of the last payment. 

Despite failing to validate, XXXX continues to report this account to the credit bureaus. This violates FDCPA 809 ( b ) and the Fair Credit Reporting Act ( FCRA ) provisions on accuracy and reinvestigation ( 607 ( b ), 611 ). 

On XX/XX/year>, I mailed a non-compliance and cease-collection letter to XXXX, demanding deletion of the account from my credit reports. XXXX confirmed delivery. XXXX has not complied, continues to report this account, and has failed to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, I am writing to formally dispute inaccurate information contained in my credit report. Specifically, XXXX XXXX XXXX XXXX Has reported negative items, including alleged late payments, which I believe to be incorrect. 
I respectfully request that these inaccuracies be investigated and corrected as soon as possible. Please update my credit file to reflect accurate and verified information. 
Thank you for your prompt attention to 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 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I opened a TD Bank, N.A. checking account on XX/XX/year>, to qualify for a {$200.00} bonus. A minor direct deposit error occurred, which I reported immediately. Despite my efforts, TD closed my account without notice and cited a 30-day XXXXbalance rule that was never disclosed. Multiple times, I requested that TD either reinstate my eligibility or allow me to open a new account under the same terms, but TD refused. I am requesting CFPB assistance to resolve this fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXXl XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: NY

Complaint narrative:
I am following up on my previous correspondence regarding multiple items on my credit report that are inaccurate, fraudulent, and severely damaging my credit profile. Despite my prior request, these items remain and continue to harm my creditworthiness. I am reiterating my demand for their permanent removal, not correction, to fully restore the accuracy and integrity of my credit report. 
My only correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Any other addresses listed on my report, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, are inaccurate and not associated with me. Reporting these addresses violates FCRA 605B ( 15 U.S.C. 1681c-2 ), FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). 
Additionally, my report still shows late closed accounts that are inaccurate : XXXX  XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} * *, XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} * *, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} * *, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} * *, which violate FCRA 605B ( 15 U.S.C. 1681c-2 ), FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). 
My report also contains a collection account that is inaccurate : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4800.00}, which violates FCRA 605B ( 15 U.S.C. 1681c-2 ) and FCRA 611 ( a ) 15 U.S.C. 1681i ( a ). 
Finally, my report continues to list unauthorized inquiries, including XXXX XXXX on XX/XX/year> and XXXX XXXXn XX/XX/year>, which violate FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 605B ( 15 U.S.C. 1681c-2 ), as I never provided consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to follow up on my prior dispute concerning several inaccurate items on my credit reports. To date, I have not received adequate verification or documentation substantiating the information previously disputed. This correspondence serves as a formal follow-up under the Fair Credit Reporting Act ( FCRA ) and a renewed demand for a complete and reasonable reinvestigation of the disputed accounts. 

Despite my initial dispute submission, the following accounts remain inaccurately reported : XXXX XXXX XXXX XXXX Reporting multiple unverifiable late payments. 

XXXX XXXX XXXX XXXX Reporting late payments after the account was closed with a {$0.00} balance. 

Under FCRA 611 ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation within 30 days and provide written notice of the results. Additionally, FCRA 607 ( b ) mandates that you maintain maximum possible accuracy in the information you report, and FCRA 623 ( b ) requires furnishers to investigate and correct disputed data.

Since the furnishers have failed to provide verifiable documentation substantiating the reported late payments, these entries remain unverified and must therefore be corrected or deleted immediately in accordance with FCRA. Continuing to report disputed or unverified information constitutes a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: MA

Complaint narrative:
I am a survivor of human trafficking and domestic abuse. Fraudulent accounts and debts were created in my name without my consent. These adverse items continue to appear on my Equifax credit report. 
On or about XX/XX/year>, I filed a complaint and submitted supporting documentation to Equifax requesting removal of these items under the Debt Bondage Repair Act ( 15 U.S.C. 1681c-3 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). My submission included : A letter signed by a police department confirming my victim status A restraining order My Massachusetts Address Confidentiality Program ( ACP ) letter A fraud-related police report Despite providing this legally sufficient documentation, Equifax has failed to block or remove the adverse information. Instead, the fraudulent accounts remain on my credit file, causing continued harm to my credit standing and financial stability. 
I have acted in good faith and followed all requirements under federal law. Equifax has not fulfilled its obligations under the XXXX XXXX XXXX XXXX to block trafficking-related information within four business days of receipt. 
I am therefore requesting CFPB intervention to ensure compliance with the law and removal of the fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: FL

Complaint narrative:
Request to Remove Fraudulent Accounts and Inquiries Dear Experian XXXX Department, I am writing to formally dispute several accounts and hard inquiries on my credit report that are the result of identity theft. The accounts listed below were not opened by me, and the hard inquiries were not authorized. 
Other credit reporting companies have already removed these fraudulent items from my credit history months ago, and I have submitted multiple requests to Equifax. However, these accounts and inquiries remain on my report. 
Fraudulent Accounts : XXXX  XXXX XXXX ( Charged Off ) XXXX  XXXX XXXX ( Paid, Closed/Never Late ) Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX, XXXX Bank of XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Bank of XXXX XX/XX/XXXX XXXX XX/XX/XXXX I request that Experian promptly remove all fraudulent accounts and inquiries from my credit report to correct the damage caused by this 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