vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: PA

Complaint narrative:
Hi, My names is XXXX XXXX reaching out today in regards to information being on my file that shouldn't be. Information such as : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Issue : The payment history for XX/XX/XXXX and XX/XX/XXXX is inconsistent and unverifiable. Under 15 USC 1666b, payment application and billing must be reported correctly. 
Request : Remove due to reporting errors and unverifiable payment data. 
XXXX XXXX Account # : XXXX Issue : Multiple duplicate entries across other bureaus with differing balances and inconsistent reporting dates.

Request : Investigate and delete due to reporting inconsistencies under 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 
XXXXXXXX XXXX XXXX Account # : XXXX Issue : Recent reporting ( as of XX/XX/XXXX ) does not match the original closed date or balance previously reported. 
Request : Delete for inconsistent account history and unverifiable updates. 
XXXX Account # : XXXX Issue : This account is too old to continue reporting under FCRA guidelines and has not updated in years.

Request : Delete for outdated derogatory reporting beyond the 7-year rule per FCRA 605 ( a ) .XXXX  Account # : XXXX Issue : Payment history reporting XX/XX/XXXX and XX/XX/XXXX is inaccurate. The loan is in deferment and should not reflect late activity. 
Request : Correct or delete for inaccuracy and violation of student loan reporting practices. 
XXXX / XXXX XXXX  Account # : XXXX Issue : XX/XX/XXXX payment history is unverifiable. This account XXXX be inaccurately furnishing data. 
Request : Investigate and delete if unverifiable. 
XXXX XXXX XXXX Account # : XXXX Issue : No documentation verifying ownership or right to report this debt. 
Request : Delete under 15 USC 1681b as this may be unauthorized furnishing.

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 2025-08-11 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: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: AR

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-08-11 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: AR

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Triton Recovery Group
State: FL

Complaint narrative:
I have issued written notice that I would be filing this compaint to Triton Recovery 's attorneys over 2 months ago, and they continue contacting me frequently, contacting my family without my permission, and violating CFPB law but completely ignoring litigation as well as providing fake accounting numbers and completely fabricating process servers. They are harassing me and my family and they must stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Since XX/XX/year>, Experian has blocked my online access to my updated credit report, displaying an error message claiming my lenders have different personal information for me. This is false. Experian has previously verified my identity with a notarized affidavit, proof of residence, and Social Security card, and used these documents to process prior disputes. Despite this, my credit report has not been updated since XX/XX/XXXX and remains inaccessible. 
This is not a dispute over account accuracy but a violation of my right under FCRA 1681g ( a ) to obtain my complete and updated consumer file at any time. Blocking access for over 60 days is unlawful and unrelated to any dispute timeline. I have requested restoration of access, correction of records, and an explanation of the verification method, but Experian has not complied.

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 2025-08-11 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:
THESE ACCOUNTS WERE DONE FRAUDULENTLY. AND THEY ARE CONTINUING TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. I FILE A IDENTITY THEFT WITH FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am filing this complaint for immediate escalation due to Navy Federal Credit Unions failure to honor a confirmed written and verbal settlement agreement for my repossessed vehicle. 

In XX/XX/XXXX, Navy Federal Recovery Account XXXX XXXX confirmed on a recorded line that Navy Federal would settle my auto loan for {$43000.00}, with payment terms of : {$2000.00} due immediately {$4300.00} due by the end of XX/XX/XXXX {$1000.00} monthly until XX/XX/XXXX She confirmed the settlement would be reflected as settled in full or paid in full for less than the full balance on my credit reports and promised to send me the settlement terms in writing by mail or to a local branch for pickup before I sent any funds. 

Despite multiple calls, emails, and secure messages requesting the written confirmation before sending payments, Navy Federal never mailed, emailed, or provided the agreement to my branch. Without written confirmation, I could not send funds, and now they have refused to honor the settlement instead demanding full payment of {$66000.00}.

The recorded call ( attached ) captures Navy Federals clear verbal agreement to these settlement terms, confirmation that they would send it in writing, and acknowledgment of how it would report to credit bureaus. 

This has caused : Significant credit harm due to continued reporting of a charged-off account. 
Loss of my ability to resolve this matter on the agreed terms. 
Urgent risk of further financial and legal damage. 

I have attached : XXXX. Full evidence packet containing secure messages, screenshots, and my correspondence.

2. Full transcript of the recorded call confirming the settlement terms and Navy Federals obligations.

I am requesting CFPB escalation due to time-sensitive harm Navy Federal has now charged the amount to my credit card, and I have only until Monday to resolve this before further damage occurs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: NC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX, and my number is XXXX. I've been applying for a credit card with Synchrony Bank on XXXX and the XXXX XXXX, and every time I get the same message : We're sorry, we were unable to prequalify you at this time. You will receive written information related to this request in XXXX days. Please be assured, your request did not impact your credit bureau score. Learn more about credit reports and scores by visiting XXXX After a couple of days, when I get the letter, it always says the same : High-risk source of application.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Cease and Desist Request and Dispute of Negative Collection Account Number : XXXX To Whom It May Concern, I am writing to formally request that you immediately cease all communication with me regarding the above-referenced account. Pursuant to the Fair Debt Collection Practices Act, 15 U.S. Code 1692c, a debt collector is prohibited from contacting a consumer in certain circumstances, including when the consumer has communicated in writing their desire to cease communication.

Furthermore, I dispute the validity of this debt and demand that you remove all negative collection information related to this account from my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are obliged to ensure the accuracy and completeness of the information you report. Failure to do so may be subject to legal action.

Please be advised that I am requesting that all further communication regarding this debt be conducted solely through my legal representative or in writing. Any further direct contact with me via phone, mail, or otherwise will be deemed a violation of the law.

If you continue to contact me in violation of this request or fail to remove the negative information, I will consider taking legal action and reporting the matter to the Federal Trade Commission, the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am disputing an account being reported by Portfolio Recovery Associates ( PRA ) that is inaccurate and unverifiable. The account is listed as Portfolio Recovery Associates ( Account ending in XXXX ) on my credit reports. 

On XX/XX/XXXX, I sent a dispute to XXXX XXXX and XXXX  requesting verification of this account. In accordance with the Fair Credit Reporting Act ( FCRA 611 ), I also sent two additional written requests directly to PRA ( on XX/XX/XXXX and XX/XX/XXXX ) asking for complete validation of the debt, including a copy of the original signed agreement, itemized statement of charges, and documentation proving PRAs legal right to collect.

Portfolio Recovery Associates has failed to provide any such documentation. Despite this failure, PRA continues to furnish this account to XXXX  and XXXX. 

XXXX, after receiving my dispute, removed the account from my credit report confirming that the information was unverifiable. However, XXXX  and XXXX  have not removed the account and have instead marked the dispute as resolved without providing me with the required Method of Verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
Credit collection service. Acct. # XXXX XX/XX/year> Collection for ( XXXX ) amount {$10000.00}. Actions taking I filed a identity theft police report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I have been a PayPal customer for years, operating business accounts in full compliance with PayPals User Agreement. Approximately 23 months ago, I opened a personal PayPal account for non-business use. 

Recently, PayPal permanently deactivated both my personal and business accounts without prior warning. 

Personal Account ( Ref. XXXX ) : The notice cited activity that doesnt follow our buyer protection policies. No transaction details, evidence, or specific policy provisions were provided. 

Business Account ( [ insert reference if provided ] ) : The notice cited unusual movement of funds we couldnt verify, again without identifying the transactions or providing a means to resolve the matter.

I have requested a detailed explanation from PayPals Executive Office, but so far they have not provided specifics or documentation to support these actions.

PayPals notices fail to identify the exact activity or policy violations, preventing me from understanding, disputing, or correcting any alleged issues. This lack of transparency is not consistent with U.S. consumer protection requirements and may constitute an unfair or deceptive practice under Section 1031 of the Dodd-Frank Act.

In addition, PayPal is holding my account funds for up to 120 days, even though there are no active disputes or known liabilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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