vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
I am writing to dispute the accuracy and legitimacy of several items currently listed on my Experian credit report. Due to well-documented Experian data breaches and the risk of identity theft, I am concerned that my personal information may have been compromised and used without my knowledge or consent. Disputed Derogatory Accounts : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/year>2025 Balance : {$560.00} Disputed Hard Inquiries : XXXX XXXX XX/XX/year>2025 XXXX XXXX XXXX XXXX XX/XX/scrub>/2025 I request that these accounts and inquiries be fully reinvestigated in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681i, and removed from my credit file if they can not be verified with documentation from the original furnishers.

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 2025-07-21 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: Possible Financial Inc
State: TX

Complaint narrative:
To : POSSIBLEFINA [ Creditor Address if known otherwise leave blank or use their support address from their website ] Subject : Formal Demand for Deletion of Inaccurate Account Reporting Re : Account # XXXX / Credit Report Dispute Dear POSSIBLEFINA, This letter serves as a formal demand for deletion of the derogatory and inaccurate information your company is reporting to TransUnion and Experian regarding the above-referenced account.

The account in question is listed as a Collection/Chargeoff and reflects a derogatory status with a last reported date of XX/XX/year>, despite being marked as dispute resolved. This is in direct violation of several consumer protection statutes under the Fair Credit Reporting Act ( FCRA ).

Violations Committed : 1. FCRA 1681s-2 ( b ) : Upon receipt of a dispute from a consumer reporting agency, a data furnisher must : Conduct a reasonable investigation ; Review all relevant information ; Correct or delete inaccurate, incomplete, or unverifiable data.

Your continued reporting of this derogatory information as accurate after dispute resolutionwithout correctionshows a failure to comply with your reinvestigation obligations.

2. FCRA 1681e ( b ) : You are required to ensure that any information furnished is reported with maximum possible accuracy. This includes dates, payment status, and dispute resolution indicators.

The inconsistent and derogatory remarks following dispute resolved do not reflect accurate or fair reporting.

3. FCRA 1681i ( if applicable to CRAs ) : If you failed to communicate corrected information to the CRAs after the dispute, you are complicit in continued inaccurate reporting.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ascent Holding Co
State: NJ

Complaint narrative:
I requested postponements due to financial hardships since XX/XX/year>, and the company approved them via email multiple times. However, despite those approvals, they are now acting as if those agreements never existedclaiming Im overdue on and demanding payments based on a schedule I never agreed to. This is misleading and contradicts the documented postponements they already approved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There is incorrect personal information on my credit report with all three credit bureaus. ( Transunion, Exquifax and Experian ). I have reached out to them by mail, phone and online and still this has not been corrected.

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 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I ordered clothes from a site online called " XXXX ''. The website looks to be an American website. However, after ordering the clothes, I saw that it was a XXXX company. Upon getting the items, they looked COMPLETELY different than what is advertised on the website. THERE IS NO WAY TO DECIPHER IF THE COMPANY IS AMERICAN-BASED ON THEIR WEBSITE. THEY ARE INTENTIONALLY MISLEADING CONSUMER BY PRESENTING A WEBSITE WITH NO INFORMATION ABOUT RETURN LOCATION, ETC. I contacted PayPal and initiated a claim after not being able to reach a resolution with the seller. The seller states that they can only offer a full refund if I ship the items back to them. It will cost {$120.00} to ship back an order I paid approximately {$190.00} for. PayPal stated that their buyer protection does not cover this. I explained to them that the items are not remotely close to what is advertised and the merchant is using deceptive marketing and advertising tactics to mislead consumer into purchasing. XXXX with PayPal made the most dumbfounding comparison stating, " it's just like if you purchased something from a store here, you would get the refund AFTER the items were returned ''. I said THERE'S ABSOLUTELY NO COMPARISON because I would be able to walk into a store and make a return. Paypal is allowing these foreign companies to deceive and defraud their customers. We have absolutely no protection under the " buyer protection ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-22 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: AZ

Complaint narrative:
Trying to get approval for a house and find out theirs I have demages on my credit report That prevents me from accessing credits According to 15 U.S.C 1681 there should be any damage on my credit report as a definition to my character.

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 2025-07-21 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: HW Holding, Inc
State: NC

Complaint narrative:
Submitted a request to the company asking for the Chain of Assignment and Forward Flow Agreement. Never received anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: CBC Companies, Inc.
State: DE

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Westcreek Financial
State: NJ

Complaint narrative:
In XX/XX/year>, I took out a personal loan with Koalafi for {$3000.00}. I was able to repay {$1000.00}, but due to an unexpected job loss, I could not pay the remaining {$2000.00}. I tried to contact the company to negotiate a payment plan or settlement, but no agreement was reached. 

Now, Koalafi is demanding that I pay {$7000.00}, which is more than triple the remaining balance. I believe this amount is unreasonable and excessive, and it appears to include fees or charges that were never clearly explained or agreed upon. 

I am willing to pay what I actually owe, and I have made good faith efforts to resolve the matter. However, Koalafi has refused to negotiate and is pressuring me to pay an inflated amount that I simply can not afford. 

I am requesting the assistance of your agency to help mediate this issue and ensure that Kolafi acts fairly and in accordance with consumer protection laws

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: CT

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
I am filing this complaint regarding Planet Home Lendings failure to comply with CARES Act servicing guidelines and Fair Credit Reporting Act ( FCRA ) obligations. 

I was placed in a XXXX forbearance/hardship plan due to ongoing financial hardship. However, I was never notified by Planet Home Lending of the forbearance expiration, nor was I presented with any repayment or loss mitigation options in advance of the plan endingas required under federal guidelines. 

After noticing negative reporting on my credit file, I submitted a previous complaint through the CFPB requesting that Planet Home Lending update my tradeline to reflect my forbearance status and mark the account as current, consistent with CARES Act protections. In their response, Planet Home Lending stated that the reporting was accurate but provided no evidence of having issued any notice regarding the expiration of my forbearance or any follow-up communication outlining my repayment options.

This lack of communication directly contradicts the CFPBs rules requiring that mortgage servicers reach out to borrowers before a forbearance plan ends to discuss next steps and help prevent avoidable harmincluding inaccurate credit reporting. I am still experiencing financial hardship and would have continued the plan or pursued assistance had I been properly informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi bank for Best Buy credit card was suppose to have frozen my card and they never did because a person who was not me was able to go into the store and charge my card with just a phone number and put two more fraudulent charges on my old card when I one had the new card and two the account should of been frozen. I finally had to close the card out to stop the 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 monetary relief
Consumer complaint received 2025-07-22 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: ID Analytics, Inc.
State: FL

Complaint narrative:
I have submitted a formal federal privacy complaint under the Gramm-Leach-Bliley Act and FCRA. This company is collecting and sharing my personal and financial data without my knowledge, consent, or legal authorization. I have attached a signed letter, my ID, and proof of address. I am demanding full deletion, revocation of authorization, and federal enforcement for violations under GLBA 6802 and 6803

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: KY

Complaint narrative:
XXXX XXXX Acct # XXXX Amount : {$3300.00} Date opened : XX/XX/XXXX called customer service. received no help. Account was placed on Charge off. please note the number of charge offs on the account as well. XXXX XXXX XXXX XXXX  Acct # XXXX Amount : {$760.00} Date opened XX/XX/XXXX Called customer service. Received no help. Account sold to collection agency, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Acct # XXXX Amount : {$310.00} Date opened : XX/XX/XXXX called customer service. Received no help. Account sold to collection agency, The Bureaus. There are also a number of hard inquiries on my credit report that were made w/o my knowledge or consent. 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 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 XXXX XXXX XXXX. There are also 2 false addresses on my credit report at which I've never resided : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. PLEASE REINVESTIGATE THESE ALLEGED ACCOUNTS< INQUIRIES AND ADDRESSES. DELETE ALL ACCOUNTS THAT ARE NOT VALIDATED IMMEDIATELY. PLEASE NOTE THAT VERFICATION IS NOT VALIDATION. EQUIFAX INFORMATION SERVICES LLC/ EXPERIAN INFORMATION SOLUTIONS INC/ TRANSUNION INTERMEDIATE HOLDINGS, INC are not credit bureaus and are in violations of my rights.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX XXXX Acct # XXXX Amount : {$3300.00} Date opened : XX/XX/XXXX called customer service. received no help. Account was placed on Charge off. please note the number of charge offs on the account as well. XXXX XXXX XXXX XXXX  Acct # XXXX Amount : {$760.00} Date opened XX/XX/XXXX Called customer service. Received no help. Account sold to collection agency, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Acct # XXXX Amount : {$310.00} Date opened : XX/XX/XXXX called customer service. Received no help. Account sold to collection agency, The Bureaus. There are also a number of hard inquiries on my credit report that were made w/o my knowledge or consent. 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 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 XXXX XXXX XXXX. There are also 2 false addresses on my credit report at which I've never resided : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. PLEASE REINVESTIGATE THESE ALLEGED ACCOUNTS< INQUIRIES AND ADDRESSES. DELETE ALL ACCOUNTS THAT ARE NOT VALIDATED IMMEDIATELY. PLEASE NOTE THAT VERFICATION IS NOT VALIDATION. EQUIFAX INFORMATION SERVICES LLC/ EXPERIAN INFORMATION SOLUTIONS INC/ TRANSUNION INTERMEDIATE HOLDINGS, INC are not credit bureaus and are in violations of my rights.

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 2025-07-22 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: PR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: PR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-07-21 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: NJ

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-21 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: NJ

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: Alorica Inc.
State: TX

Complaint narrative:
Subject : Formal Demand for Deletion of Inaccurate and Misleading Credit Reporting Re : Account # XXXXXXXX XXXX XXXX reported to XXXX, XXXX, and XXXX  Dear XXXX, This letter serves as a formal demand for deletion of the above-referenced account from all consumer reporting agencies to whom you furnish data ( XXXX XXXX and XXXX  ). 

The tradeline in question reflects the following : Dispute resolved status marked by data furnisher despite continued consumer disagreement Balance of {$2000.00} reported as charge-off and in collection Conflicting reporting across bureaus regarding payment status and activity These are violations of the Fair Credit Reporting Act ( FCRA ) : 1. FCRA 1681s-2 ( a ) ( 1 ) ( A ) You are legally prohibited from furnishing information that you know or should know is inaccurate. Reporting a resolved dispute while also listing consumer disagreement and continuing derogatory data is both inconsistent and misleading.

2. FCRA 1681s-2 ( b ) After being notified of a dispute, you must conduct a reasonable reinvestigation and update or remove inaccurate information. In this case, the account shows continued negative reporting despite my notice of unresolved dispute. This is a violation of your obligation to correct or delete disputed data that can not be verified.

3. FCRA 1681e ( b ) Credit data must be reported accurately and with complete information. Reporting this account as resolved in one field while simultaneously acknowledging the consumer still disputes it creates confusion and legal noncompliance.

4. FCRA 1681i ( a ) ( 5 ) ( A ) If disputed data can not be verified within the required timeframe, it must be promptly deleted. If your investigation did not result in verified accuracy, then the data must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: MN

Complaint narrative:
My account with XXXX XXXX was XXXX. My loan was paid off in XXXX and they tried to take another {$400.00} payment out in XXXX and XXXX. I stopped the one in XXXX but they took the 1 out in XXXX and I've been getting to run around to get my money back. They don't tell you that the contact your bank to stop the payments or anything like that.They just keep taking the money they also did it to my wife because we each made {$400.00} payments on the loan. You have already processed her complaint and she got her refund. Thank you.

Company response to consumer: Closed with explanation