vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Portfolio Recovery Assoc Subject : Formal Dispute of Account # XXXX To Whom It May Concern, I am writing to formally dispute the validity of an account appearing on my credit report : Portfolio Recovery Assoc Account # XXXX. I have no recollection or record of opening or authorizing this account and did not receive any prior notice or opportunity to dispute the debt in question. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide the following : Verification of the debt, including the original contract or agreement bearing my signature. 

Proof of prior written notice sent to me, including certified mail or other evidence confirming my receipt and acknowledgment. 

If you are unable to provide this documentation within 30 days, I request that you immediately delete account # XXXX from all credit reporting agencies to avoid further action. Failure to validate the account and continued reporting may result in legal action for violations of the FCRA and any other applicable state or federal laws. 

Please respond to this letter in writing. I am also requesting that all communications be made in writing to maintain proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OPTUM BANK, INC.
State: FL

Complaint narrative:
I obtained a loan through the XXXX XXXX, funded by Optum Bank , Inc., to pay for services from XXXX XXXX XXXX. XXXX XXXX abruptly ceased operations and filed for XXXX  XXXX bankruptcy ( case no. XXXX ). I never received the full services I paid for, yet XXXX XXXX  ( via XXXX ) continues to demand payment and refuses to refund the {$2000.00} already paid. 

This violates the FTC Holder Rule, which allows consumers to withhold payment or seek refunds when services financed by credit are not provided. I am requesting a full refund of amounts paid and the cancellation of the remaining loan balance.

This loan was originated through the XXXX XXXX, but the actual lender is Optum Bank , Inc. XXXX XXXX the loan, and the funds were used to pay XXXX XXXX XXXX XXXX which has since filed for bankruptcy and ceased operations. 

I financed services through XXXX for XXXX XXXX. 
XXXX XXXX has since declared bankruptcy and ceased operations. 
I did not receive the full services paid for. 
XXXX XXXX Optum Bank has refused to refund the {$2000.00} I already paid, not even a partial refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIRST UNITED BANK AND TRUST COMPANY
State: OK

Complaint narrative:
First United ( First United Bank and Trust Company ) mailed check to homeowners insurance company. The check bounces. First United re-sends check. It arrives too late. Insurance company cashes check, cancels policy, and issues a check to homeowner. The check gets lost in the mail. The home goes uninsured for a year and the homeowner is not informed. 

One year later, First United sends letter to homeowner with a demand for coverage. Homeowner buys new insurance policy. First United sends new letters demanding that hazard insurance is purchased for a XXXX period in the past ( implying the use of a time-machine ). A few weeks later ( XX/XX/year> ), First United sends a notice that they have purchased Hazard Insurance for the period of XX/XX/year> to XX/XX/year> ( the past ) and that I will need to reimburse them for the expense in the amount of {$360.00}. The Coverage Type is listed a " Residential ( 1-4 Family Dwelling ) with coverage in the amount of the value of the property. The amount owed to First United is much less than that.

It is First United 's check that bounced. It is First United 's fault that the home went without insurance for a year. And time-machine home hazard insurance is a fake, likely-fraudulent product.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
XXXX from Paypal XXXX XXXX XXXX legal dept told you that the fraud claims were won in my favor it is valid that Paypal lost by XXXX XXXX XXXX XXXX said yourself a credit of {$320.00} was issued to my account on XX/XX/, to address the negative balance that resulted from duplicate credits for cryptocurrency transactions. Following this adjustment, your account no longer has a balance. 

U took the credit away 10days later which is compliance fraud. You can not reverse or penalize a consumer for XXXX claims the bank legally won in Dispute from you. Please place the funds back on her account today to fully settle XXXX XXXX balance at XXXX. The calls were monitored and recorded whyouen she discussed these reversals with. 

You stated in a verified email I won my case with a buyer because I proved she was refunded for a canceled. XX/XX/XXXX you allowed the buyer to report a lie saying she did got get merchandise. This is compliance fraud you can't tell me I won a case for a cancelled order than 2 weeks later turn right around and ask my company to ship free merchandise and make my account balance negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
The section 15 U.S. Code 1681c-2 refers to a provision in the Fair Credit Reporting Act ( FCRA ), specifically dealing with identity theft. Heres a summary of the section : 15 U.S. Code 1681c-2 - Notification of address discrepancies This section mandates that when a consumer reporting agency ( CRA ) receives a notice of address discrepancy from a user of a credit report ( such as a lender or creditor ), the CRA must : 1. Notify the user of the discrepancy.

2. Provide a notice with the possible address discrepancy.

3. The notification includes information about the consumers address that differs from the one on file.

The section is primarily designed to address situations where someone may be using a different address that could indicate fraud or identity theft. 

Would you like further details or clarification about a specific part of it?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TN

Complaint narrative:
I filed a dispute with Experian regarding the removal of TN CHILD SUPPORT from my credit report. On XX/XX/year> I filed a second dispute requesting that this be removed. The credit bureau stated that is was validated and I asked for information used to validate this account. I translated to them this was a legal matter not a consumer debt so it should be removed per Comsumer law in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: TN

Complaint narrative:
I filed a dispute with Experian regarding the removal of TN CHILD SUPPORT from my credit report. On XX/XX/year> I filed a second dispute requesting that this be removed. The credit bureau stated that is was validated and I asked for information used to validate this account. I translated to them this was a legal matter not a consumer debt so it should be removed per Comsumer law in 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 non-monetary relief
Consumer complaint received 2025-05-20 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCF Intermediate Holdings LLC
State: UT

Complaint narrative:
I was sent very threatening emails claiming to be from an attorney stating he was going to have me charged in court due to a debt with speedy cash. I don't have any debts with speedy cash haven't since XXXX and it was paid to XXXX balance. I repeatedly asked for proof of debt and was told he couldn't give me a place to verify and would only send me a paid in full letter when I paid all the money. I again emailed back and stated I would not pay without verification. He then sent me an email stating he filed the case and I better get an attorney fast. This is the email address he sent it from. 

XXXXXXXX XXXX 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NC

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 non-monetary relief
Consumer complaint received 2025-05-20 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: Applied Data Finance, LLC
State: NC

Complaint narrative:
Unauthorized inquiries reporting and I didn't apply for those accounts and I am a victim of identity theft. These companies had no permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: Hanwha QCells USA Corp
State: CA

Complaint narrative:
I reached out to EnFin regarding a credit inquiry they ran on my account. I was told during the process that the inquiry was a soft pull and not to worry. I have text message exchanges and witnesses regarding this exchange. EnFin has ignored my attempts to resolve this and said contact the other party despite them running my credit under false pretenses. 

This has been extremely disappointing, I was misled about the type of pull ( soft vs. hard ), I also could potentially be harmed with other chances of qualification for other approvals due to the deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
There are several inquiries being reported on my consumer. I did not give authorization for these inquiries nor do I have accounts related to them. The inquires being reported are as follows : XXXX added on XX/XX/XXXX XXXX XXXXXXXX XXXX added on XX/XX/XXXX XXXX XXXX XXXX added on XX/XX/XXXX XXXX XXXX XXXXXXXX  added on XX/XX/XXXX XXXX added on XX/XX/XXXX XXXX added on XX/XX/XXXX XXXX XXXX added on XX/XX/XXXX I demand all of these to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NY

Complaint narrative:
There are several inquiries being reported on my consumer. I did not give authorization for these inquiries nor do I have accounts related to them. The inquires being reported are as follows : XXXX added on XX/XX/XXXX XXXX XXXXXXXX XXXX added on XX/XX/XXXX XXXX XXXX XXXX added on XX/XX/XXXX XXXX XXXX XXXXXXXX  added on XX/XX/XXXX XXXX added on XX/XX/XXXX XXXX added on XX/XX/XXXX XXXX XXXX added on XX/XX/XXXX I demand all of these 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 non-monetary relief
Consumer complaint received 2025-05-20 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: PA

Complaint narrative:
To Whom It May Concern : This letter is a formal dispute of inaccurate and misleading information you are reporting to the credit bureaus concerning my closed account with XXXX XXXX XXXX According to my recent credit report, this account is listed as closed yet continues to reflect a recent late payment, which is both factually inaccurate and legally impermissible. 

Once an account is closedespecially if it was closed in good standingno new late payments should be reported. Reporting a delinquency after the account is closed is not only misleading and damaging to my credit profile, but also may constitute a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires furnishers of credit data to report only complete and accurate information.

Under my rights provided by the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following : 1. An immediate investigation into this inaccurate reporting ; 2. Correction or deletion of the false late payment from all credit bureaus to which you have reported ; 3. Written confirmation of the investigation results and actions taken, within 30 days as required by law. 

Please be advised that failure to correct or remove inaccurate information will prompt me to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Pennsylvania Attorney Generals Office. I also reserve the right to pursue civil action under 15 U.S.C. 1681n and 1681o, which provide for statutory damages, actual damages, and attorneys fees for willful and negligent noncompliance with the FCRA. 

I have enclosed a copy of my credit report showing the disputed account, and I am prepared to provide any additional supporting documentation as needed.

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