vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: AR

Complaint narrative:
I am submitting to formally dispute several items currently being reported on my Experian credit report. As someone working hard to rebuild financial stability, I take my credit history very seriously, and I have discovered a number of inaccuracies and outdated records that are unfairly affecting my creditworthiness. I respectfully request a reinvestigation of the following information under the protections afforded by the Fair Credit Reporting Act ( FCRA ). 
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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: AR

Complaint narrative:
I am submitting to formally dispute several items currently being reported on my Experian credit report. As someone working hard to rebuild financial stability, I take my credit history very seriously, and I have discovered a number of inaccuracies and outdated records that are unfairly affecting my creditworthiness. I respectfully request a reinvestigation of the following information under the protections afforded by the Fair Credit Reporting Act ( FCRA ). 
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 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 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

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 2025-10-31 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:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2025-10-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
UWM is my original holder. We refinanced our loan approximately a year later. The monthly payment decreased by approximately XXXX dollars to XXXX and change. 
In XXXX XXXX XXXX finally sent our XXXX time supplemental bill far beyond what normally is the time period approximately XXXX  months after purchase of property. 
Fast forward with the mortgage due we spent just over XXXX dollars to correct the oversight of XXXX XXXX XXXX XXXX and UWM. Now having contacted UWM yesterday we were originally told we have a tax bill of XXXX due XX/XX/XXXX. 
Of course this is wrong. I insisted to speak with a supervisor " XXXX '' we spoke for over an hour he saw that no corrections were ever made and that the tax bill is over XXXX dollars and the escrow account is once again underfunded. 
UWM sold our loan as of XX/XX/year>. After XXXX  months ago having sold our loan to a subsidiary of there's. While all along having done an escrow analysis approximately XXXX  months ago and made no effort to alarm anyone of their findings and in fact all calculations we discovered was done based on the previous homeowners XXXX XXXX who had been in the house for over XXXX  years. 
In XXXX we all discovered this. We were told if we did not pay back UWM they would have no choice but to raise our monthly bill to over XXXX once again UNTIL the monies UWM paid to XXXX county was reimbursed. This along with many more conversations were recorded. 

Please help us to resolve this matter and determine whats going on. 

Thank you, Respectfully XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: MI

Complaint narrative:
This is a follow-up to CFPB complaint ID XXXX. TrueAccord stated my number was associated with another persons account and that they removed my phone number. However, I am still receiving collection emails asking me to provide a TrueAccord account number or email address. 

Timeline ( all XXXX ) : XX/XX/XXXX Began receiving debt-collection texts to my personal cell from proxy numbers. 
XX/XX/XXXX I emailed TrueAccord disputing and requesting cease-communication except in writing. 
XX/XX/XXXX TrueAccords CFPB response said my number was removed and contact would stop. 
XX/XX/XXXX I received new emails from TrueAccord reps ( XXXX, XXXX PM XXXX ; XXXX, XXXX PM XXXX ) again asking for an account number. 

This debt is not mine and I do not have any delinquent accounts. Please require TrueAccord to ( XXXX ) permanently cease contacting my personal number and email, ( XXXX ) confirm in writing that I have no account with them and that nothing will be reported to consumer credit, and ( XXXX ) investigate why contact continued after they told the CFPB it would stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

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 2025-10-31 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: IL

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

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 2025-10-31 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: GA

Complaint narrative:
I am sending to formally request that the fraudulent items on my credit report be immediately blocked in accordance with the Fair Credit Reporting Act ( FCRA ) 605B [ 15 U.S.C. 1681c-2 ]. These accounts were opened or reported without my knowledge or authorization and are the result of identity theft. Please investigate and remove the fraudulent information from my credit file and provide written confirmation once the items have been blocked. 
XXXX XXXX XXXX XXXX XXXX Balance {$4000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance {$21000.00} XXXX XXXX XXXX Balance {$700.00} XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$1000.00}

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 2025-10-31 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:
Re : Deletion Request Due to Documented Data Breach Violation of FCRA 602A & 611 To Whom It May Concern, My personally identifiable information was compromised in the data breach, as documented in the enclosed evidence. The accounts listed below were established or verified using stolen credentials and must be deleted immediately. 
XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX * Continuing to report these accounts violates your duty under FCRA 602A to maintain maximum possible accuracy and your investigation requirements under 611.

Per 611 ( a ) ( 5 ) ( B ), any reinsertion of deleted information without full certification of accuracy from the furnisher * and * written notice to me within XXXX ( XXXX ) business days will constitute a willful violation of the FCRA and will be escalated to the CFPB and the Attorneys General of my state and Georgia.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX XXXX is showing on my credit report and it never goes away Theres no payment or balance on them. I want it removed please

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 2025-10-31 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: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
XXXX XXXX is showing on my credit report and it never goes away Theres no payment or balance on them. I want it removed please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: PA

Complaint narrative:
I opened a PayPal account in XX/XX/year> to make purchases on XXXX and similar platforms. I only used the account to pay for legitimate items, and I have not engaged in any prohibited or suspicious activities. 

However, without any clear explanation, PayPal permanently limited my account. I received a message stating that I could no longer use PayPal, but the notice did not specify what I supposedly did wrong. I have reviewed PayPals User Agreement and I am not aware of violating any of their terms or policies.

I only used the account to send payments not to receive funds so I do not believe this is related to antimoney laundering or compliance issues.

I am requesting that PayPal provide a clear explanation for this permanent limitation. If this was an error, I ask that my account be reinstated so I can continue using it for legitimate transactions.

Thank you for your attention to this matter. 

Full Name : XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: FL

Complaint narrative:
Everyday or every XXXX  days I keep getting emails from XXXX XXXX XXXX Asking me to pay them I never sign anything with this company my wet ink signature is nowhere in their documents for them to even contact me. They are also on my credit report which is an old account XXXX years ago and they keep updating on my credit report asking me to pay them {$1100.00}. Also if you read on the attached file you will see that at the end of the email they admit that its an old debt and it says The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX XXXX XXXX can not sue you for it. In some states making a partial payment may revive XXXX XXXX XXXX XXXX XXXX 's ability to sue to collect the remaining balance. 

This was originally an account with XXXX ( XXXX ), account number ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: NC

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act, which requires reporting XXXX  % accurate information. I've have struggled to get approved for auto loans & credit cards due to these negative inaccurate items on my report. This has been a very stressful for time me & my family. These accounts in my attached letter are not accurate and I demand their immediate 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 2025-10-31 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
The negative item currently appearing on my credit report has created substantial hardship in my financial life. This derogatory mark directly led to my recent loan rejection and triggered higher interest rates across multiple credit lines, costing me considerably more each month. Beyond the monetary impact, the stress and frustration of dealing with this unresolved credit issue has been overwhelming, affecting my ability to make sound financial decisions and plan for my family 's future needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Best Buy is showing on my credit report and it never goes away Theres no payment or balance on them. I want it removed please

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I would like to dispute under FCRA section 611 ( a ) ( 7 ) METHOD OF VERIFICATION REQUEST I am writing to dispute the accuracy and completeness of the following account ( s ) on my credit report. This letter serves as a formal request for reinvestigation again under section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) ACCOUNT NAME : capital one ACCOUNT NUMBER : XXXX REASON FOR DISPUTE : Accout is being reported inaccurately and incompletely. 

Please provide the method of verification as required under Section 611 ( a ) ( 7 ) of the FCRA. Specifically, provide the name, address, and telephone number of the party that verified all the information and copies of all documents you relied upon during the reinvestigation. 
If you can not verify the accuracy of the information within XXXX  days, you are required by law to delete the disputed item from my credit file. Furthermore you will not be under XXXX XXXX compliance if reporting inaccurate information. Again the information disputed is to be removed from my credit file immediately. Under FCRA regulations credit reporting bureaus can only reported information that is verified, complete, and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: AR

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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 2025-10-31 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
On XX/XX/2025, I received XXXX XXXX debit cards from Current Bank. XXXX had my name on it. The others had various different names on them, but they all had my last name. I called Current Bank and they closed the account, as well as all cards associated with the account. They sent me an email to tell me that the bank account was closed, but that they would not provide any more information unless I got a police report. I want to know what email address the criminals used to register the bank account. I put a credit freeze on all XXXX credit bureaus, but the credit agencies don't alert consumers about bank accounts opening. I need to know how to prevent the thieves from opening other bank accounts. Next time, they may not send the debit cards to my own address. What's to stop them from sending it directly to themselves and using my Social Security Number-connected bank account to engage in more illegal activities? I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Westlake Services, LLC
State: GA

Complaint narrative:
This account was fully satisfied and paid in full, yet your company continues to report the remark Redeemed Repossession. That is false and misleading.

There was no active repossession at the time the loan was satisfied, and reporting this remark is causing serious harm to my credit, housing opportunities, and access to essential needs.

Under 15 U.S.C. 1681s-2 ( b ) and XXXX XXXX guidelines, you are required to ensure maximum possible accuracy. I demand that you immediately remove the Redeemed Repossession remark and update the tradeline to show Paid/Closed {$0.00} Balance.

Please confirm the correction with all credit reporting agencies.

Company response to consumer: Closed with explanation