vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have a collection from LV Funding that was caused by XXXX XXXX XXXX  using an account that was not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-07-11 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: VA

Complaint narrative:
XXXX  permanently deactivated my account without warning and froze my available funds due to unspecified suspicious activity. I use XXXX  to run a small business and rely on this income. They refuse to give me any detail, are holding my money for 180 days, and stated they will not respond to further contact. I believe this is unjust and potentially unlawful, and I am requesting the immediate release of my funds or a detailed explanation with a right to appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This account is incorrectly marked as delinquent. It should not be showing this status, as the information is inaccurate. I am requesting that it be disputed and updated to reflect no late payments

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 2025-07-11 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: MI

Complaint narrative:
Under 15 U.S.C. 1681c, negative information like late payments may not be reported after 7 years. Additionally, under 15 U.S.C. 1681s-2 and 1681e ( b ), all information must be accurate and verifiable. The account listed is closed, yet continues to show late payments and/or incorrect data. Please investigate and remove this inaccurate, outdated, and misleading information immediately.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Under 15 U.S.C. 1681c, negative information like late payments may not be reported after 7 years. Additionally, under 15 U.S.C. 1681s-2 and 1681e ( b ), all information must be accurate and verifiable. The account listed is closed, yet continues to show late payments and/or incorrect data. Please investigate and remove this inaccurate, outdated, and misleading information immediately.

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 2025-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: FISERV FINXACT CORE
State: OR

Complaint narrative:
Unresolved Expired Paycheck Request for Help Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding a paycheck I received from [ Insert Company Name e.g., XXXX ], which has expired and can not be cashed. The check was dated [ Insert Date for example : XX/XX/year> ], and unfortunately, due to delays and personal circumstances, I was unable to cash it before the expiration date. 

I contacted the companys HR and Payroll departments multiple times. They repeatedly referred me to XXXX XXXX and the Unclaimed Property department. However, Unclaimed Property informed me they have not received the funds yet and might not receive them for several more months. XXXX XXXX  has not offered any help in reissuing the check or confirming the status. 

I am now stuck without a clear resolution. I depend on that payment, and I feel I have exhausted all reasonable attempts to resolve the issue directly. 

I kindly ask for your assistance in investigating this issue and helping me obtain either a reissued check or a proper explanation. 

Thank you for your time and support. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Fraud accounts due to ID THEFT. Please block all fraud accounts. 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 DEPARTMENT OF EDUCATION {$1500.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Charges filed Officer XXXX POLICE REPORT attached, FTC, social security and ID attached for verification thank you

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 2025-07-11 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: PNC Bank N.A.
State: OH

Complaint narrative:
I am submitting a formal complaint regarding an auto loan account reported on my credit file by PNC Bank which I did not authorize or open. This account is the result of identity theft, and I have submitted supporting documentation including : A Federal Trade Commission ( FTC ) Identity Theft Report A police report filed with local law enforcement Written disputes sent to PNC Bank and Experian pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 The fraudulent account is listed as follows : Creditor : PNC Bank Account Number : XXXX Original Balance : {$38000.00} Date Opened : XX/XX/XXXX Status : Paid, Closed with four late payments Comments : Redeemed Repossession This entry is having a substantial negative impact on my credit score and reputation. Under FCRA Section 605B, consumer reporting agencies are required to block fraudulent information from credit files within four business days of receiving an identity theft report and supporting documentation.

PNC Bank 's continued furnishing of derogatory information to credit bureaus may violate 15 U.S.C. 1681s-2 ( a ), which prohibits reporting of information known to be inaccurate. Their inaction after being properly notified is also grounds for liability under 15 U.S.C. 1681n, as described in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
It is been 2 months, CHIME close my account without any explanation!! I call them and they said someone try to log on on my account??? and they asked me proof of my addressand I did sent them all proof of my driver license and my physical address/ XXXX bills, XXXX XXXX bills and my Car payment bills at least 6 times!!!

They keep telling me on the phone that is not up to them .they need to send it to hire up position person who make the decisionsthen the hire up persons keep sending the same emails to ask me to upload documents!! I sent them at least 6 times all my documents!! I called them at least 7 times on the phone! And it is not going anywhere. They keep asking the same thing over and over again! And I keep sending them the same thing. I am so tired I had to borrow money from friends just to able to pay my rent!

This company playing with people life!! I dont even know if I ever will see my money back ever from them : /.. I wish I never heard about Chime!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-11 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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:
I am writing to formally dispute a hard inquiry listed on my credit report, which I did not authorize or consent to. I have not initiated any credit application or transaction that would warrant this inquiry. Under the Fair Credit Reporting Act ( FCRA ), any hard inquiry must be authorized by the consumer. Without proper authorization, this inquiry is invalid and must be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ). 

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Self Financial Inc.
State: PA

Complaint narrative:
According to 15 USC1681 I have the right to dispute inaccurate information thats on my credit bureaus and its coming back as updated and verified without proper investigation. The company failed to send me any information i requested even with my other complaints they never sent verifications of my debt, the original contract bearing my explanation of the amount or how it was calculated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im filing a formal complaint against the credit bureaus for continuing to report inaccurate, harmful information related to my federally serviced student loan account through XXXX XXXX Missouri XXXX XXXX XXXX XXXX ). Despite multiple well-documented servicing failures by XXXX, XXXX credit bureaus continue to verify this negative information without a proper investigation, violating my consumer protection rights. 

Grounds for Complaint : XXXX has been publicly accused and investigated for : Failing to send timely billing statements to over XXXX XXXX borrowers, triggering missed payments and delinquencies ( Source : XXXX XXXX XXXX XXXX, XX/XX/year> ). 
Providing deceptive or incomplete information about IDR and PSLF forgiveness eligibility. 
Adding illegal waiver language in borrower online accounts. 
Causing false derogatory credit reporting due to their internal negligence.

Consumer Law Violations : Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i Failure to conduct a reasonable reinvestigation after receiving a consumer dispute.

Continued reporting of inaccurate or unverifiable information violates 1681i ( a ) ( 5 ).

FCRA, 15 U.S. Code 1681s-2 ( b ) Furnishers ( XXXX ) must investigate and correct inaccurate information when notified by a credit bureau XXXX 
If they can not verify the information, it must be deleted from the credit file.

FCRA, 15 U.S. Code 1681e ( b ) Credit bureaus are required to maintain maximum possible accuracy in consumer reports.

Higher Education Act, 20 U.S. Code 1087e ( m ) Borrower rights under federal loan servicing guidelines were violated by XXXX  failure to provide accurate, timely, and legal disclosures and repayment support. 

Consumer Financial Protection Act, 12 U.S. Code 5531 Prohibits any covered person ( such as loan servicers or credit bureaus ) from engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ).

Plus, there are several of the same accounts listed multiple times!

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 2025-07-11 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: CL Holdings LLC
State: SC

Complaint narrative:
In XXXX, there were numerous fraudulent charges used on my petal card that I never had a chance to use. I contacted XXXX XXXX XXXX  and informed them to close this account because of the fraudulent charges I did not trust how they handled the first situation. My card was immediately closed, but to my surprise, XXXX kept the account open and sent another card out by mail, I did not receive this card and I did not ask for it, but someone received it and used the card and made numerous charges on it. I contacted XXXX and informed them. I am not responsible for this credit card and I am asking XXXX to remove the XXXX late payments that are being reported to XXXX XXXX, XXXX  and experience. These errors have greatly decreased my credit score and I have been unable to purchase a car or a home and has caused financial harm to me. I am currently in Counseling for these issues. 
third-party lender called Jefferson Capitol that now reports inaccurate information on my credit report. I have never opened an account with Jefferson Capital and I I have never authorized Jefferson Capital to open an account with my name on it nor do I have an account with Jefferson Capital. I am asking Jefferson Capital to stop sending me letters and reporting this information on my credit report. I am not responsible to pay Jefferson capital

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
I am submitting this complaint in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., regarding inaccurate and unverifiable information being reported by several furnishers to the credit bureaus, The following charge-off accounts are being reported on my credit files without proper verification or documentation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$850.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00}

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 explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
In 2024, my Bank of America checking account was closed after it went into a negative balance. At that time, I did not have a job, and I was unable to clear the balance, which led to the account being closed. I now have a job and am ready to pay off the negative balance fully. The negative balance was approximately XXXX The account closure has also been reported to XXXX, and this is making it difficult for me to open a new bank account. I would like the opportunity to resolve this issue and continue banking responsibly.

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 2025-07-11 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: TX

Complaint narrative:
I am writing to formally dispute an unauthorized hard inquiry that appears on my Equifax credit report. 

The following inquiry is inaccurate and was not authorized by me : 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 I have never applied for credit with this company, nor have I given them permission to access my credit report. as permitted under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ). only companies with permissible purpose may access my credit file, and I assert that this inquiry does not meet that standard.

Please investigate this matter and remove the unauthorized inquiry from my credit report. I have enclosed the following documentation to assist with your investigation :, A copy of my government-issued ID FTC report a copy of my Social Security card If the results of your investigation do not lead to removal, please provide me with documentation showing that I authorized this inquiry. 

Thank you for your prompt attention to this matter. I look forward to your response within the XXXX period required by the FCRA. 

Sincerely, 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