vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: MO

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: GA

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

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 2025-04-14 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: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of all my student loan debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: NY

Complaint narrative:
Hello, i have a personal paypal account but i received a message about its been limited. 
I did not made anything wrong. 
You can check my transaction there is no problem. 

Please, Will you help me to fix the issue for restore my account. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-04-14 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: OH

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-04-14 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 non-monetary relief
Consumer complaint received 2025-04-14 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: FL

Complaint narrative:
Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ) and 611 Dear Sir/Madam, It is with great displeasure that I am addressing an erroneous entry on my credit report under the Fair Credit Reporting Act ( FCRA ) Sections 1681b ( 2 ) and 611. I demand a thorough investigation and immediate removal of the inaccurate charge-off account mentioned below. 

Account Details : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reported Charge-Off Date : XX/XX/scrub>/2025 Disputed Amount : {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: NV

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company 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 2025-04-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

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 2025-04-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: FL

Complaint narrative:
The vehicle in question was involved in an auto accident and stored at a repair facility. I was in contact with XXXX due to my inability to pay and sustained injuries from the accident. The XXXX representative informed me the insurance I was required to have should cover damages to the vehicle based on the disposition of the vehicle. I asked to surrender the vehicle to XXXX who advised they would reclaim the vehicle and follow up with next steps. I had not heard from XXXX until I contacted them again in XXXX 

In XXXX  Jefferson Capital Systems LLC sent collections letters to me regarding the vehicle. When asked wether XXXX had filed the insurance or warranties, what happened to the possessions inside of the vehicle and what the disposition of the vehicle was ( totaled, auctioned, resold etc ) they were not able to provide details and referred me back to XXXX. When I contacted XXXXXXXX XXXX XXXX, the company was unable to provide any information as the account had been sold to Jefferson Capital Systems. 

Neither party is able to provide documentation of the signed contract with insurance/warranties, documentation those filings had been applied, details of proceedings/disposition of the vehicle after agreeing to reclaim it or justify the amount requested in collections per those details. Neither company will provide location of the vehicle nor personal property it contained.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
Subject : Formal Dispute of Inaccurate Date of Last Activity on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate and potentially unlawful reporting activity regarding a debt listed on my credit report. The collection account in question is being reported by COMENITY BANK/VCXXXX account number XXXX. 
The issue lies with the Date of Last Activity ( DLA ), which appears to have been re-aged or updated inaccurately by the collector. This action misrepresents the true age of the debt and may be a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c, which governs the time limits for reporting negative information.

The original date of delinquency for this account should remain fixed, and updating the DLA to make the debt appear more recent is not only misleading but can unfairly damage my credit standing. This practice is also contrary to the Fair Debt Collection Practices Act ( FDCPA ), as it may be considered deceptive and an attempt to re-age the debt to extend the reporting period beyond the legal limit. 
I am formally requesting the following : A full investigation into the accuracy of the Date of Last Activity on this account.

Immediate correction or removal of any inaccurate information found.

A written confirmation of the results of your investigation. 


Attached are supporting documents relevant to this dispute, including [ list any documents you're including, such as your credit report, account records, etc. ]. 
In accordance with the FCRA, I expect this matter to be resolved within 30 days. Please confirm receipt of this letter and keep me updated on the progress of this dispute. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XX/XX/XXXX Experian po box XXXX, TX XXXX Subject : Request for Removal of Old Address and Alias Name from My Credit Report Dear Experian, I hope this letter finds you well. I am writing to formally request the removal of an old address and alias name from my credit report that do not belong to me. 
Personal Information : * Full Name : XXXX XXXX XXXX * Date of Birth : XX/XX/XXXX * Social Security Number XXXX * Current Address : XXXX XXXX XXXX XXXX, Texas XXXX Upon reviewing my credit report, I noticed an address listed under my name that is not associated with me, and I also found an alias name that I do not recognize. The details of the address and alias are as follows : 1. Old Address : XXXX XXXX XXXX XXXX, Texas XXXX, XXXX XXXX XXXX XXXX, Texas XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Texas XXXX, XXXX. Alias Name : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX I kindly ask that you investigate and remove these inaccuracies from my credit file. I understand that you may require documentation to verify my request, so please let me know if any additional information or proof is needed.

Please send me a confirmation once these corrections have been made. I would appreciate it if you could update my credit report accordingly and inform me of the changes. 
Thank you for your prompt attention to this matter. Should you need to contact me for further clarification, please do so at the phone number or email address listed above. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XX/XX/XXXX Experian po box XXXX, TX XXXX Subject : Request for Removal of Old Address and Alias Name from My Credit Report Dear Experian, I hope this letter finds you well. I am writing to formally request the removal of an old address and alias name from my credit report that do not belong to me. 
Personal Information : * Full Name : XXXX XXXX XXXX * Date of Birth : XX/XX/XXXX * Social Security Number XXXX * Current Address : XXXX XXXX XXXX XXXX, Texas XXXX Upon reviewing my credit report, I noticed an address listed under my name that is not associated with me, and I also found an alias name that I do not recognize. The details of the address and alias are as follows : 1. Old Address : XXXX XXXX XXXX XXXX, Texas XXXX, XXXX XXXX XXXX XXXX, Texas XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Texas XXXX, XXXX. Alias Name : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX I kindly ask that you investigate and remove these inaccuracies from my credit file. I understand that you may require documentation to verify my request, so please let me know if any additional information or proof is needed.

Please send me a confirmation once these corrections have been made. I would appreciate it if you could update my credit report accordingly and inform me of the changes. 
Thank you for your prompt attention to this matter. Should you need to contact me for further clarification, please do so at the phone number or email address listed above. 
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 non-monetary relief
Consumer complaint received 2025-04-14 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: LA

Complaint narrative:
I have been using XXXX for over 5 years and have never had an issue with XXXX until now, they say I broke their XXXX which is complete XXXX and unacceptable! I have been taking payments from friends and family from $ XXXX and never had an issue until now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: FL

Complaint narrative:
Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ) and 611 Dear Sir/Madam, I hereby submit a formal complaint regarding a misleading entry noted on my credit history in violation of the Fair Credit Reporting Act ( FCRA ) Sections 1681b ( 2 ) and 611. I demand a thorough investigation and immediate removal of the erroneous charge-off account cited below. 

Account Details : Account Name : XXXX XXXX Account Number : XXXX Reported Charge-Off Date : XX/XX/year>2025 Disputed Amount : {$4700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
My complaint is specific to the outdated and insecure practices used by Target and their XXXX XXXX XXXX. 

A few weeks ago, I attempted to make a large purchase on an online XXXX XXXX  ( XXXX  ). One purchase was successful, but when I tried to make a second purchase, it was declined. I called Targets service team, and they stated there was a hold due to potential fraud, but they released it during the call. 

Over the next few days, however, any transaction I attempted was still declined. I called Targets service department multiple times over several days and received different responses. I was told at different points that the hold was released, transferred to different departments where calls disconnected, and finally informed that my account needed to be re-validated.

Target required me to submit front and back copies of my ID, my Social Security card, and a utility bill or pay stub to verify my identity. The only options provided were faxing the documents or physically mailing them to their address.

When I escalated the issue and asked for more secure alternatives, I was treated rudely. Despite one supervisor mentioning that a secure document upload might be possible, I was told no other options were available.

I do not have a fax machine, and I find faxing or mailing sensitive information extremely insecure and outdated. There was no offer of a secure online portal, encrypted email, or app-based upload option.

I am extremely concerned about the safety of my personal information, especially my Social Security card and ID, being sent through these unsecured methods. I believe Targets RedCard verification process is outdated, unsafe, and unnecessarily puts consumers at risk of identity theft.

Requested resolution : I am asking Target to offer a secure, encrypted document upload option for identity verification and to improve their customer service handling of sensitive matters like account validation.

Company response to consumer: Closed with explanation