vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2025-09-03 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: MA

Complaint narrative:
I am writing to follow up on my previous letter dated XX/XX/year>, in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on my credit card, auto loan, and/or mortgage account ; 1.Name : XXXX Account Number : XXXX Amount : {$21000.00} Auto TransUnion : XX/XX/year> Equifax : XX/XX/year> Experian : XX/XX/year> To date, I have not received confirmation of the correction nor observed any changes in my credit report.This issue appears to be in violation of the provisions of 15 U.S.

Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2. Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ),

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
Creditor Name : [ Name of Creditor or Lender ] Account Number : Trust Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off show on credit report TWICE Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a charge-off is XXXX years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( XXXX ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please updatemy credit report accordingly and provide written confirmation of these corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
Creditor Name : [ Name of Creditor or Lender ] Account Number : Trust Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off show on credit report TWICE Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a charge-off is XXXX years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( XXXX ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please updatemy credit report accordingly and provide written confirmation of these corrections.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On Monday XX/XX/XXXX, and Tuesday XX/XX/year> i attempted multiple times to transfer my cryptocurrency from my PayPal account to my non-custodial cold wallet, so called hardware wallet. PayPal allowed me to transfer my cryptocurrency twice and then they blocked my account. On Tuesday XXXX I called PayPal and I spoke with their customer associate, who told me that my account had been blocked for security risks and my account will stay locked for 8 days. I explained to them that Im the one responsible for my funds and I dont need their security measures to be taken. I asked them to immediately unlock my account, and they refused to do so. I found that to be illegal and inappropriate, therefore I am reporting their behavior to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: NRA Group, LLC
State: FL

Complaint narrative:
I disputed an account on my credit report multiple times under FCRA 611 and requested validation under FDCPA. Each time, the credit bureau marked it verified without providing any documentation proving the debt is mine. I requested the original signed contract, statements, and the method of verification three separate times and never received this information. This violates FCRA 611 ( a ) and 623 obligations. I am requesting full deletion of this inaccurate account or proper documentation as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
On XX/XX/year>, I called Wells Fargo and had a 13 minute call, asking for a hardship plan to reduce my monthly payments. They offered me a 1 % APR and set up 60-months of payments-this was exactly what they offered me. My monthly payment was to be {$59.00} for 60-months, then the card would be paid off. They said I had to make an immediate payment of {$160.00} on XX/XX/year>, over the phone, and then for my XXXX payment, they would begin deducting the {$59.00}. They confirmed my bank account information during the call. 
Yesterday, on XX/XX/year>, Wells Fargo put through the entire credit card balance on my checking account. It was a debit of {$3500.00}! It would have wiped out all my money for the entire month of bills! Thank goodness, I caught it right before it posted and called my credit union. I told them exactly what Wells Fargo had done. They stopped the debit in time, but I thought you should know that this is the stuff they are doing to consumers! The hardship plan was a trick ... a trap. They lied to me! It is not right and now I am back to square one with them at 29.99 % interest. I can't trust or believe anything they say to me. 
I want them to honor the hardship plan that they offered me! I have a statement showing proof of the hardship payment amount of {$59.00} that was planned to start on XX/XX/year>, and proof of the 13-minute call to them on XX/XX/year>.

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 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am quite surprised and deeply distressed to review my credit report and see negative accounts that do not belong to me. This situation causes me great frustration and concern, as I have absolutely no knowledge of the origin of these accounts and I have no connection to them whatsoever. It is very upsetting to find negative information affecting my credit history and my peace of mind, without understanding where it comes from or why it has been attributed to me. 
The Account is : 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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I received a letter on XX/XX/year> from National Credit Systems Inc, XXXX XXXX XXXXXXXX, XXXX GA XXXX XXXX regarding a past due debt to XXXX XXXXXXXX XXXX Acct # XXXX. I called XXXX XXXX XXXX, the name on the letter from National Credit and immediately notified him of fraud on my account. He said there was nothing he could do, I just need to pay it. Filed a police report and FTC claim XX/XX/XXXX and sent certified mail to both National Credit and XXXX  and specifically requested documents they used to lease the apartment to provide the police investigator and to say to NOT report to the Credit reporting agencies. Credit Freeze and Fraud alert placed on all 3. National Credit and XXXX not only did not provide any of the documents required by law, they reported me to all three reporting agencies destroying my credit. I request they immediately remove this from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Request for Removal of Unauthorized Hard InquiriesXXXXTo Whom It May ConcernXXXXI am writing to dispute several unauthorized hard inquiries on my XXXX  credit report. These inquiries were not authorized by me, and under the Fair Credit Reporting Act (FCRA), any inquiry made without my consent must be removed immediately.XXXXThe following inquiries are unauthorized:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI request that XXXX  investigate this matter and remove these hard inquiries from my credit report promptly. Please provide written confirmation once the investigation is complete.XXXXI have attached a copy of my identification and proof of address for verification purposesXXXXThank you for your prompt attention to this matter.XXXXSincerely,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 2025-09-02 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: IL

Complaint narrative:
I, XXXX XXXX, am disputing inaccurate and misleading credit reporting by TransUnion and Experian concerning my XXXX XXXX account ending in XXXX. 

On XX/XX/XXXX, my wife and I signed a formal Loan Modification Agreement with Rocket Mortgage, effective XX/XX/XXXX. Under this agreement, my loan was restructured with a fixed interest rate and a modified monthly payment. I complied with the agreement until the account was fully paid and closed on XX/XX/XXXX. 

Despite this, TransUnion continues to report rolling 30, 60, and 90-day late payments from XXXX through early XXXX and again in XXXX XXXX. Experian marks the account with a Late Payment designation. These derogatory notations are false and contradict both the modification agreement and federal law. 

Equifax, by contrast, correctly reports the account as Pays as Agreed, Paid and Closed, {$0.00} balance. This proves the other bureaus are furnishing inconsistent and inaccurate information for the same tradeline. 

Violations CARES Act 4021 : Accounts in forbearance, deferral, or modification due to COVID-19 hardship must be reported as current if they were current at the time of the arrangement, and may not be reported as worse-off.

FCRA 1681e ( b ) : Credit reporting agencies must ensure maximum possible accuracy. Reporting derogatories during a formal modification is inaccurate and misleading.

FCRA 1681i : Upon dispute, credit reporting agencies must conduct a reasonable reinvestigation.

Metro 2 Guidelines : Mortgage accounts under modification must carry proper condition codes ( such as CP Loan Modified ), not rolling delinquency or Late Payment flags. 

Harm Because of these violations, I have suffered : Lowered credit scores, Denials of credit and approvals only at higher interest rates, Increased insurance screening risk Emotional distress, reputational harm, and financial hardship.

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 2025-09-03 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have both a personal and a business account with XXXX that I recently opened. XXXX closed both accounts without warning and is withholding my funds. I have contacted XXXX and visited the branch multiple times, but they have not released my money or provided any explanation. 

This situation is preventing me from paying personal bills, operating my business, and meeting financial obligations. I am requesting the CFPBs assistance to have XXXX release my funds or provide a timely resolution.

Company response to consumer: Closed with explanation