vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter serves as a formal dispute under the * * Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) * * regarding inaccurate or unverifiable information being reported in my credit file. The following accounts are being disputed for inaccuracy or unverifiable reporting : * * XXXX  * * Charged Off / Canceled by Creditor- please verify or delete if unverifiable. 

* * XXXX XXXX * * Charged Off / Late Payments- please verify accuracy of charge-off and delinquencies. 

* * XXXX XXXX * * Closed account still reporting {$24000.00} balance- please verify and correct to {$0.00} if closed or delete if unverifiable. 

* * XXXXXXXX XXXX * * Charged Off / Late Payments- please verify accuracy of charge-off and delinquencies. 

Pursuant to * * FCRA 611 ( a ) * *, I am requesting a reinvestigation of these items. You are required by law to investigate each disputed account within 30 days and provide me with written results. If any of the information can not be fully verified, it must be promptly deleted from my credit report.

Under * * FCRA 607 ( b ) * *, you are obligated to ensure the maximum possible accuracy of the information contained in my file. Additionally, * * FCRA 623 ( a ) ( 1 ) ( A ) * * prohibits any furnisher from reporting information it knows or has reasonable cause to believe is inaccurate.

Furthermore, I want to bring to your attention that my personal information was impacted by the * * TransUnion data breach * *, and as a result, I have reason to believe that certain accounts on my credit report may be the result of inaccurate or compromised data reporting. I am requesting that you delete these negative accounts if they can not be fully verified as accurate and belonging to me. Due to the ongoing government shutdown, I am currently unable to obtain and submit an FTC Identity Theft Report, but this should not delay your legal obligation under the * * Fair Credit Reporting Act ( FCRA 611 ) * * to complete a full reinvestigation within 30 days and ensure the * * maximum possible accuracy * * under * * FCRA 607 ( b ) * *.

Please verify all details of each listed account with the original furnishers. If any furnisher can not provide documented proof of accuracy, that account must be deleted from my report. Also, provide me with an updated copy of my credit file and a description of the procedures used in your investigation, as required under * * FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) * *.

Please complete your reinvestigation within the legally required time frame and send your findings to my address listed below.

I have provided my id Proof of address and social

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter serves as a formal dispute under the * * Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) * * regarding inaccurate or unverifiable information being reported in my credit file. The following accounts are being disputed for inaccuracy or unverifiable reporting : * * XXXX  * * Charged Off / Canceled by Creditor- please verify or delete if unverifiable. 

* * XXXX XXXX * * Charged Off / Late Payments- please verify accuracy of charge-off and delinquencies. 

* * XXXX XXXX * * Closed account still reporting {$24000.00} balance- please verify and correct to {$0.00} if closed or delete if unverifiable. 

* * XXXXXXXX XXXX * * Charged Off / Late Payments- please verify accuracy of charge-off and delinquencies. 

Pursuant to * * FCRA 611 ( a ) * *, I am requesting a reinvestigation of these items. You are required by law to investigate each disputed account within 30 days and provide me with written results. If any of the information can not be fully verified, it must be promptly deleted from my credit report.

Under * * FCRA 607 ( b ) * *, you are obligated to ensure the maximum possible accuracy of the information contained in my file. Additionally, * * FCRA 623 ( a ) ( 1 ) ( A ) * * prohibits any furnisher from reporting information it knows or has reasonable cause to believe is inaccurate.

Furthermore, I want to bring to your attention that my personal information was impacted by the * * TransUnion data breach * *, and as a result, I have reason to believe that certain accounts on my credit report may be the result of inaccurate or compromised data reporting. I am requesting that you delete these negative accounts if they can not be fully verified as accurate and belonging to me. Due to the ongoing government shutdown, I am currently unable to obtain and submit an FTC Identity Theft Report, but this should not delay your legal obligation under the * * Fair Credit Reporting Act ( FCRA 611 ) * * to complete a full reinvestigation within 30 days and ensure the * * maximum possible accuracy * * under * * FCRA 607 ( b ) * *.

Please verify all details of each listed account with the original furnishers. If any furnisher can not provide documented proof of accuracy, that account must be deleted from my report. Also, provide me with an updated copy of my credit file and a description of the procedures used in your investigation, as required under * * FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) * *.

Please complete your reinvestigation within the legally required time frame and send your findings to my address listed below.

I have provided my id Proof of address and social

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BOEING EMPLOYEES' CREDIT UNION
State: IL

Complaint narrative:
Summary of Complaint I am filing a complaint against Boeing Employees Credit Union ( BECU ) for bad faith and deceptive collection practices that caused financial harm and now prevent me from obtaining a federal Grad PLUS loan to complete my XXXX. 

Details In XXXX, I was working through XXXX XXXX XXXX XXXX to negotiate debt settlements. 
XXXX XXXX  honored the negotiated settlement and I paid in full. 
BECU also negotiated and accepted a settlement, which I paid in full. Instead of honoring the agreement, BECU canceled it, demanded more money, and reported the account as charged-off. 
This reversal was exploitative and punitive, targeting me for having shown the ability to pay. 
BECUs actions caused additional charge-offs, destroyed my credit, and blocked my eligibility for federal student aid.

Requested Remedy 1. Correct records to reflect the original settlement as paid in full or settled as agreed.

2. Remove charge-offs from the other accounts I was prevented from paying due to BECUs reversal.

3. Update all credit reporting to reflect these corrections.

4. Require BECU to work with a neutral arbitrator to ensure fair treatment in resolving remaining accounts.

Why This Matters This is a clear violation of fair and transparent lending practices. Lenders should not be allowed to rescind a valid settlement and penalize borrowers who make payments in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
On XX/XX/year>, Bridgecrest reported my account as charged-off with a balance of {$4200.00}. This is factually inaccurate. The account was not left unpaid. The balance was fully satisfied through XXXX XXXX insurance and the related settlement process. 

I have attached documentation showing : XXXX XXXX claim letter dated XX/XX/year>, confirming full satisfaction of the balance ( {$21000.00} total ). 
Proof of insurer payment of {$14000.00} and XXXX waiver of {$6600.00}, which together resolved the entire outstanding balance. 

Despite this, Bridgecrest continues to report the account as charged-off, which is false, misleading, and a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

I previously submitted a CFPB complaint ( # include your old case number ) and Bridgecrest responded incorrectly, stating the account was delinquent. However, they ignored the fact that full payment was made through XXXX insurance and XXXX, and no deficiency balance remained. 

I am requesting immediate correction of the tradeline to reflect that this account was satisfied through insurance/XXXX  settlement and not charged-off. The continued misreporting is causing serious harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2025-10-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
On XX/XX/XXXX, PayPal placed a XXXX hold on {$3800.00} in my account ( [ XXXX ] ) due to transactions involving lawful ammunition sales, which they claimed violated their Acceptable Use Policy. The hold was intended to cover potential damages. After the hold period ended on XX/XX/XXXX, PayPal closed my account and indefinitely retained the {$3800.00}, citing damages without providing any evidence of chargebacks, disputes, or claims against me. No damages occurred. 
This indefinite hold constitutes debanking under XXXX XXXX XXXX ( XX/XX/XXXX ), which prohibits unfair denial of financial services for lawful activities and mandates remediation by XX/XX/XXXX. Ammunition sales are legal in my jurisdiction, and PayPals refusal to release my funds has deprived me of their use for over XXXX years. I phoned customer service and they denied my request and also declined to escalate the matter internally. On XX/XX/XXXX, I contacted PayPals executive office ( XXXX ) and resolution team, demanding {$5100.00} ( {$3800.00} principal plus 7 % simple interest for XXXX years ) to remedy the loss. 

I request the CFPBs intervention to compel PayPal to refund {$5100.00} and investigate this unfair practice under EO XXXX. I have attached evidence, correspondence with PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I had these transactions through XXXX from friends XXXX XXXX  + {$200.00} XXXX Payment pending XX/XX/XXXX XXXX  XXXX XXXX  + {$170.00} Payment pending XX/XX/XXXX XXXX  XXXX DOWNS + {$180.00} XXXX Payment pending XX/XX/XXXX RL XXXX XXXX + {$100.00} XXXX Payment pending XX/XX/XXXX On XX/XX/XXXX they were cancelled and Capital One restricted my account. The transactions never went through and they are telling me my account is in review with no time frame of when the review will be done. I provided phone numbers of my friends and there is still no update from Capital one on my account. Ive called capital one almost every day to see what the update is on my account and they tell me its still in process and in review and there is no timeframe they can give me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I worked as a Ski instructor for XXXX XXXX during the XX/XX/year> winter, for which I used a XXXX  account to receive part of the tips I got, being {$250.00} USD. The problem I had at the moment is that I took longer than expected to get my SSN, so I couldn't connect my XXXX  account to my bank account.. 

After coming back to XXXX, I made a mistake on XX/XX/XXXX by trying to change the password so i could access XXXX  through my new phone I got abroad, but then I lost access since for me to login I needed the code sent to my phone number. 

From there I started contact with XXXX  support team the same XXXX of XXXX, being the request code of that issue # XXXX, where we went back and forth asking for options and none satisfactory where sent and I stopped contact for a while because I had to focus on my studies. 

The XXXX of XXXX, I received an email from another issue I raised so we could revisit the options ( # XXXX ), and they sent me an email offering one of two options : 1 ) Refund all the money to their respected senders.

2 ) Issue a refund check that could be sent to my address. 

I actually saw it pretty late ( XX/XX/XXXX ) and because of the surprise I had when reading the possibility of returning the money, I didn't realize the second option was good, and I just answered that I didn't wish to return the money to the senders, and if there was another option. ( opening that email the issue # XXXX ) From there what they should have done was to mention the check option again or revisit once more that there were only those 2 options. Instead, XX/XX/XXXXXXXX XXXX XXXX support team refunded all the money to the respected senders, and after that weren't able to offer any solutions. 

Since I didn't give my consent for the refund and that the terms and service do not apply a unilateral, unauthorized transfer of funds from my frozen account, their action of refunding the money on XX/XX/XXXX was a breach of their offer and a violation of consumer protection principles.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
LVNV FUNDINGis falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$7400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$2800.00}

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 2025-10-03 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:
The personal information on my credit report were outdated.

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX.

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$8400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$14000.00} UXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} JEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$16000.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
There are late payment entries on my credit report that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, only accurate, complete, and verifiable information should appear on my report. I am asking for these entries to be verified, and if they can not be confirmed, they should be corrected or deleted.

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: GA

Complaint narrative:
TRUEACCORD XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research TRUEACCORD XXXX 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 explanation