vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Dear Bureau : I bought a sofa with XXXX XXXX XXXX XXXX through the XXXX from Comenity Bank two years ago ( XX/XX/XXXX ). They had a promotion to pay for the couch in two years without Interest. The amount was {$2500.00}. I accepted the promotion, and my account has been in good standing with diligent payments until a recent unforeseen medical emergency on XX/XX/XXXX. I had an accident and an injury that left me temporarily XXXX XXXX XXXX  months. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX as a consequence of the pain killers and my age. I wasn't able to perform any duties, and in need of medical and in-home assistance. Sadly, the promotion ended this XX/XX/XXXX, and I was unable to check on the account. I got in contact with the customer service but didn't receive any help. I wrote a letter to the bank and sent it by postal mail. I haven't received any response to my proposal of a settlement. I talked a second time with customer service and they told me it is most likely they will reject my petition and that I need to wait for a letter. There is no way to get in direct communication with the bank for this matter. I am still paying the new year interest rates that went higher. But the interest of 2 years : {$1500.00}. That is to much. I need the little money I have to take care of my medical expenses and not to pay the couch again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: SC

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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 2025-04-25 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: SC

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: IL

Complaint narrative:
I respectfully request that you block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not open or approve these accounts and do not recognize them. As outlined in USC 1681g, I am requesting their removal within 15 days. Enclosed are supporting documents for your detailed review. Please note that the information being reported differs across credit bureaus, indicating inaccuracies.

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 2025-04-25 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: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-25 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 have already dispute this with the CFPB in the past about this matter was resolved for the XXXX accounts that are on my credit that have been negatively impacted me from my livelihood. 
I understand that Experian has been in a lawsuit for unlawfully failing to properly investigate consumers disputes, I have sent them a letter several times about the different account and still nothing removed. Im sending another letter for XXXX time so that it can be removed I have sent letters on all the accounts and still nothing removed. There response is investors complete with no explanation

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 2025-04-25 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Complaint Title : Unlawful Withholding of Funds Beyond the 180-Day Holding Period PayPal Complaint Text : I have had my PayPal account ( Reference ID : XXXX ) limited for over two years. PayPals User Agreement specifies that funds in a limited account are to be held for no more than 180 days to cover potential disputes. 

Despite the passing of more than four times that period ( over two years ), PayPal has refused to release my remaining credit or provide a valid explanation. I have made numerous formal requests to withdraw my balance and close my account, all of which have been met with automated or copy-paste responses referring to irrelevant 180-day policies.

There are no disputes, no negative balance, and no legal claims pending on the account. PayPals continued withholding of my funds without justification is unreasonable, violates their own stated policies, and denies me access to my legally held money. 

I respectfully request the Consumer Financial Protection Bureau to intervene and require PayPal to immediately release my remaining funds and permanently close my account as per my repeated written requests. 

Requested Resolution : Immediate release of my credit/funds. 
Closure of my PayPal account without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-25 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
Hi, my vehicle was repossessed improperly with no notification. Today I received a document stating it was sold for an amount less than half its value. Upon checking the title and VIN it appears as there was no sale made so XXXX a little concerned as its listed at {$22000.00} and the document states it was sold for {$7000.00}. Car Loan Default Notice Document Came in XX/XX/XXXX & Car was repossesed XX/XX/XXXX Document States XX/XX/XXXX but never received anything. I believe this is a fraudulent loan practice at place. Could someone please help me figure out the correct place to go to have this looked into. Feel free to call or text me at ( XXXX ) XXXX as well. Thanks in advance!

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 2025-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I am submitting this complaint due to an unresolved property tax overpayment refund from my mortgage servicer, PennyMac. 

On XX/XX/year>, PennyMac, through my escrow account, sent a property tax payment of {$2300.00} to XXXX XXXX for my property. However, the actual tax bill was only {$1300.00}, resulting in an overpayment of {$970.00}. 

Since then, I have contacted PennyMac multiple times seeking a refund. On XX/XX/year>, a representative told me that a request for the refund was submitted to XXXX XXXX and that I should allow six weeks for processing. 

Today, past the six-week mark, I contacted XXXX XXXX directly and was informed that no request for a refund has been rece

ived from PennyMac. This contradicts what I was told and raises concerns about either a failure to act or a lack of transparency. I have acted in good faith, followed up repeatedly, a
nd been patient. I am simply trying to recover funds that were overpaid through no fault of my own. 

Thank you for your help in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.A.Rogers, Inc.
State: NJ

Complaint narrative:
Several years ago my brother, who has lived XXXX  for 20-years, used my address for a personal matter that would only accept a US address . Since then I receive continuous calls and text messages about a debt they claim he owes, and which he denies is his. 

This is not my debt. I gave them his XXXX  contact details but they have not contacted him. He asked they send him proof but they have not. They continuously call & message me and this month they have started contacting my XXXX  sons requesting collections. 

I am in work meetings and will get calls from them during work hours. The only way I see them stopping is to hit them with a {$1000.00} harassment fine ( or so I was advised. 

There are 3 debt collectors calling about the same debt, their information is as follows : XXXX File Verification Services, Telephone number : XXXX Case Number : XXXX and XXXX XXXX XXXXXXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX ( not sure if these are 2 different companies ) and RA Rogers Inc . 
Contact : XXXX XXXX XXXX extension XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: VA

Complaint narrative:
I was checking on my report and I noticed an account ( XXXX XXXX XXXX ) that was reporting inaccurate information. I had two late payments on an account that was actually paid on time. The consumer reporting agencies need to report all information complete and accurate. This account has not been on late payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX ) ( XX/XX/XXXX ). I am requesting an investigation on this account and update these payments to paid on time immediately. Thank you for your understanding for this resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: VA

Complaint narrative:
I was checking on my report and I noticed an account ( XXXX XXXX XXXX ) that was reporting inaccurate information. I had two late payments on an account that was actually paid on time. The consumer reporting agencies need to report all information complete and accurate. This account has not been on late payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX ) ( XX/XX/XXXX ). I am requesting an investigation on this account and update these payments to paid on time immediately. Thank you for your understanding for this resolution.

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 2025-04-25 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me XXXX. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: MI

Complaint narrative:
I submitted a formal written dispute and request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) to a debt collector reporting a collection account on my credit file. 

I also disputed the account with the credit bureau, requesting verification and supporting documentation. However, the bureau marked the item as verified as accurate without providing any explanation or documentation supporting their conclusion. 

I was not provided with the method of verification, nor was I given the name and contact information of the party that verified the debt, which is a required disclosure under FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I submitted a formal written dispute and request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) to a debt collector reporting a collection account on my credit file. 

I also disputed the account with the credit bureau, requesting verification and supporting documentation. However, the bureau marked the item as verified as accurate without providing any explanation or documentation supporting their conclusion. 

I was not provided with the method of verification, nor was I given the name and contact information of the party that verified the debt, which is a required disclosure under FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me XXXX  You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I am reaching out to file a complaint regarding an account from Digital Federal Credit Union ( DCU ) that is currently appearing on my credit report. I do not recall entering into any agreement or opening any account with DCU, and I am requesting that the company provide verification of this account. 

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am requesting that DCU verify the validity of the account, including documentation to confirm that I have a legal obligation to repay any alleged debt. Specifically, I would like a copy of the original contract or agreement that includes my wet signature, if such a contract exists. 

I also want to bring to the companys attention that under the Right to Financial Privacy Act of 1978, 12 U.S.C. 3401 et seq., I have a right to privacy regarding my personal financial records. No financial information linked to me should be reported to third parties, including credit bureaus, without my knowledge and written authorization. If DCU is reporting any account or data about me without my explicit consent or an enforceable agreement, this could represent a violation of federal privacy protections. 

I am simply requesting transparency. Please confirm whether the account is valid, and if so, provide the documentation that shows how this obligation was established and authorized. 

I appreciate your time and attention to this matter and respectfully ask that the CFPB assist in ensuring that my consumer rights are observed and that only verified and lawfully reported information remains on my credit file.

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 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. 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 explanation