vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MO

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Dispute Regarding Charged-Off Accounts and Missing 1099-C Forms Dear CFPB, I am writing to file a formal dispute regarding two charged-off accounts that appear on my credit report. The creditors for these accounts did not provide me with a Form 1099-C, Cancellation of Debt, as required by the IRS when a debt is canceled, forgiven, or discharged in excess of {$600.00}. 
According to IRS guidelines, creditors must issue a 1099-C form when a debt is charged off and considered income for tax purposes. Failure to receive this form not only hinders my ability to accurately report my taxes but also raises concerns about the validity and handling of these accounts. 
I kindly request the CFPB to investigate this matter and ensure that the creditors comply with federal regulations by providing the appropriate 1099-C forms or rectifying the status of these accounts on my credit report. 
I appreciate your attention to this matter and look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 


Subject : Request for Immediate Removal of Accounts Due to Lack of Verification Dear TransUnion, I am writing to formally dispute the following accounts listed on my credit report, as I have not received any documentation or proof of verification for these accounts. Under the Section 609 Of the Fair Credit Reporting Act ( FCRA ), I am entitled to request such documentation, and the absence of it necessitates the immediate removal of these accounts from my report. 


Accounts in Dispute : XXXX XXXX Account Number : XXXX Amount : {$10000.00} Date Opened : XX/XX/XXXX I have made several attempts to obtain proof of verification, but no documentation has been provided. Therefore, I request that you remove these accounts from my credit report within 7 days of receiving this letter. 


Please consider this letter as my official request for the removal of the disputed accounts due to the lack of substantiating documentation. I appreciate your prompt attention to this matter and look forward to your immediate response. 


Sincerely, 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
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
DATA BREACH WITH ALL CREDIT REPORTING AGENCIES INCULDING EQUIFAX, EXPERIAN, TRANSUNION AND XXXX XXXX. DATA BREACH WITH THE SOCIAL SECURITY ADMINISTRATION, DATA BREACH WITH THE DEPARTMENT OF TREASURY, DATA BREACH WITH THE INTERNAL REVENUE SERVICE HAS BEEN REPORTED AS A VICTIM OF DEFAMATION, FINANCIAL INJURY, AND FCRA Section605 ( c ), Section 611 Part ( A ) ( 1 ). This complaint is NOT AN ATTEMPT TO DISPUTE any part of these fraudulent accounts BUT A LEGAL AND LAWFUL DEMAND. These agencies are civilly liable pursuant to 15 U.S.Code 1681n, Commerical 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 explanation
Consumer complaint received 2025-03-01 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: NM

Complaint narrative:
DATA BREACH WITH ALL CREDIT REPORTING AGENCIES INCULDING EQUIFAX, EXPERIAN, TRANSUNION AND XXXX XXXX. DATA BREACH WITH THE SOCIAL SECURITY ADMINISTRATION, DATA BREACH WITH THE DEPARTMENT OF TREASURY, DATA BREACH WITH THE INTERNAL REVENUE SERVICE HAS BEEN REPORTED AS A VICTIM OF DEFAMATION, FINANCIAL INJURY, AND FCRA Section605 ( c ), Section 611 Part ( A ) ( 1 ). This complaint is NOT AN ATTEMPT TO DISPUTE any part of these fraudulent accounts BUT A LEGAL AND LAWFUL DEMAND. These agencies are civilly liable pursuant to 15 U.S.Code 1681n, Commerical 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 explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I am trying to close my PayPal account. I have called PayPal numerous times and they refuse to close it. I am told that I have a " restriction '' on my account since I need to veryfy my address, but I have uploaded proof of my identification and address multiple times. The person on the phone acknowledges receipt of my proof, but then they always tell me they have to send the account deletion request to another department. Then nothing happens. I have spent many hours on multiple days speaking with PayPal, including today, but I get the same runaround every time. I have asked to speak with supervisors and PayPal either hands up on me or puts me on hold for an hour or more and no supervisor answers. I just want my account closed and deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: AZ

Complaint narrative:
I settled on this debt with XXXX XXXX. It is still showing on my credit reports as opened ( on Experian ), or closed ( on XXXX XXXX ) with no mention of the fact that its been settled and paid on per the settlement agreent they offered. Today is XX/XX/XXXX. The last settlement payment was made XX/XX/XXXX. They still havent updated it to the credit bureaus.

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 2025-03-01 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: AZ

Complaint narrative:
I settled on this debt with XXXX XXXX. It is still showing on my credit reports as opened ( on XXXX ), or closed ( on XXXX XXXX ) with no mention of the fact that its been settled and paid on per the settlement agreent they offered. Today is XX/XX/XXXX. The last settlement payment was made XX/XX/XXXX. They still havent updated it to the credit bureaus.

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 2025-03-01 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: AZ

Complaint narrative:
I settled on this debt with XXXX XXXX. It is still showing on my credit reports as opened ( on XXXX ), or closed ( on XXXX XXXX ) with no mention of the fact that its been settled and paid on per the settlement agreent they offered. Today is XX/XX/XXXX. The last settlement payment was made XX/XX/XXXX. They still havent updated it to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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 requesting an investigation into an account on my credit report that may violate federal consumer protection laws. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information in my file. This account appears to have been reported without proper authorization, and I am requesting validation. If it can not be fully verified with supporting documentation, it should be removed immediately. Please review this inaccuracy and provide written confirmation of your findings and any corrective actions taken.

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 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: SC

Complaint narrative:
The check from Western Union was deposited into wrong account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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:
I am writing to formally express my dissatisfaction with your failure to comply with my request to correct inaccuracies on my credit report. Despite submitting a certified letter containing the required proof of identity, including a copy of my ID and lease agreement, my credit report continues to reflect inaccurate information that violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Specifically, I requested the removal of just my first and last name from my credit report, as I have only ever used my full first, middle and last name. Additionally, I requested the removal of an address that is not associated with me which is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. To date, these discrepancies have not been corrected, and I am concerned that this is a violation of both the FCRA and my consumer rights. 

Under the FCRA, I am entitled to request that only accurate and complete information be reported. By not addressing my concerns, you are failing to adhere to the law, and this situation has negatively impacted my credit report. 


Thank you for your attention to this matter. 

Sincerely, 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
Consumer complaint received 2025-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
on the time of the repossession. The towing company negligence of proper procedures, has violated my rights. They ripped out the front end of the vehicle. I was never provided with proof of cell or any paperwork that I requested. They keep updating my credit report, making it look as if Im not paying my current bills. I have proof all the damage done to my vehicle and yet theyre reporting to the credit agencies as charge off over and over again this violate my rights as a consumer of negligence and if they dont correct us and remove this from my credit report, I will have no choice, but to file legal actions on both parties involve

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I just looked at my Equifax credit report on XX/XX/XXXX and I saw some inquiries on my report that did not have permissible purpose and that I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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:
Data breach happened, per 15 USC 1681c2 please block and delete this item within 4 business days. Please delete the following Accounts : 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
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Subject : Cease and Desist Demand & Formal Complaint Against Nelnet and XXXX I am formally demanding that Nelnet immediately cease all forms of communication with me, including but not limited to phone calls, emails, text messages, and mailed correspondence, pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). Despite my clear objections, Nelnet continues to contact me during inconvenient hours, which constitutes a violation of my consumer rights. This behavior is harassing and unacceptable, and I demand that it stop immediately. 

Furthermore, I am filing a formal complaint against Nelnet and XXXX for failing to properly investigate and correct unauthorized student loan accounts appearing on my credit report. Nelnet has reported student loan accounts to XXXX without a permissible purpose, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. The U.S. Department of Education does not have the authority to assign a permissible purpose to a third party, making Nelnets reporting an unlawful disclosure of my personally identifiable financial information. 

I took the necessary steps by sending formal disputes to XXXX requesting : The removal of these unauthorized accounts Documentation proving my consent for these accounts to be reported Additionally, I cited 18 U.S.C. 1028A ( Aggravated Identity Theft ) due to the unauthorized use of my private financial information.

TransUnions Failure to Comply : Failure to Verify Authorization XXXX has not provided any documentation proving that I signed a contract permitting Nelnet to report these accounts. 
Failure to Remove Unauthorized Accounts Despite being notified of this improper reporting, XXXX continues to report these accounts, causing irreparable damage to my credit. 
Noncompliance with FCRA ( 15 U.S.C. 1681i ) XXXX has failed to conduct a proper investigation and correct this error within the legally required XXXX timeframe. 
Demand for Immediate Action : Nelnet must immediately cease all communication with me across all mediums in compliance with 15 U.S.C. 1692c ( c ). 
XXXX must delete the unauthorized accounts from my credit report. 
Both parties must provide verification proving my consent, or acknowledge the accounts as unauthorized. 
If this issue is not resolved immediately, I will take further action, including but not limited to : Filing a formal complaint with my state Attorney Generals Office Pursuing all legal remedies available to me under the law I expect a prompt response and full resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation