vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
Consumer Financial Protection Bureau Complaint Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Report Number : XXXX ( Experian, dated XX/XX/XXXX ) Nature of Complaint I am filing this complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq. 
XXXX. Inaccurate Social Security Number Experian reports an incorrect Social Security number variation ( XXXX ) that does not belong to me. 
XXXX. Unauthorized / Incorrect Credit Inquiries The following hard inquiries appear without my authorization or permissible purpose ( in violation of FCRA 1681b ) : 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 XXXXXX/XX/XXXX XXXX. Negative / Inaccurate Accounts Reported The following accounts are being reported inaccurately, in violation of FCRA 1681i ( failure to investigate and correct inaccuracies ) and 1681e ( b ) ( failure to maintain maximum possible accuracy ) : XXXX XXXX XXXX {$7600.00} past due ( collection ) XXXX XXXX XXXX {$380.00} charged off XXXXXXXX XXXX {$420.00} past due ( collection ) XXXX XXXX XXXX  Multiple accounts ( inconsistent reporting, XXXX showing closed/paid, XXXX showing open, XXXX showing past due ) XXXX XXXX {$1300.00} past due XXXX XXXX ) XXXX XXXX XXXX XXXX Paid/Closed but still negatively listed XXXX. Inaccurate Addresses Reported Experian lists multiple incorrect or duplicate addresses that do not belong to me or are outdated, such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX various duplicates with different codes ) Harm Caused These inaccuracies and unauthorized inquiries harm my credit score, risk denial of credit/employment, and increase my exposure to identity theft. 
Wrong SSN and duplicate addresses create confusion and risk of mixed credit files. 
The FCRA requires that all consumer reports be accurate. Under 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Under 1681i, they must promptly investigate and correct or delete disputed items. 
Because Experian has failed to comply with these obligations, my consumer report is inaccurate. 
Furthermore, Experians repeated failure to maintain accuracy constitutes willful noncompliance under 15 U.S.C. 1681n, entitling me to remedies under federal 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 explanation
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me 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 2025-08-26 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: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-26 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-08-26 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: MA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-08-26 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: MA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-08-26 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:
FINAL NOTICE DEMAND FOR PERMANENT DELETION XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | DOB : XX/XX/XXXX Date : XX/XX/XXXX To : - TransUnion XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX - Equifax Information Services LLC, XXXX. XXXX  XXXX, XXXX, GA XXXX- Experian, XXXX. XXXX XXXX, XXXX, TX XXXX This is your final notice. I am demanding the immediate and permanent deletion of the following unverified and unlawfully reported accounts : - XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX {$3100.00} Collection/Chargeoff - XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  Closed/Chargeoff - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Balance Collection/Chargeoff - XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} Derogatory - XXXX  Acct # XXXX {$400.00} Collection/Chargeoff FACTS YOU CAN NOT DISPUTE : 1. You do not conduct lawful investigations. You rely solely on E-OSCAR automated codes, which the courtshave ruled insufficient ( XXXX v. TransUnion, XXXX XXXX XXXX ). 
2. Your furnishers can not produce original contracts or assignment documents establishing legal ownershipof these debts, violating 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ). 
3. Reporting {$0.00} balance accounts as derogatory ( XXXX XXXX ) is materially false, a violation of 15 U.S.C.1681e ( b ) and 1681a ( 4 ). 
4. Continued reporting constitutes willful violations of the FCRA and deceptive practices under the XXXX & XXXX. 
5. By XXXX and UCC 9-610628, debts that were securitized or sold can not legally remain on consumerreports. 
LEGAL CONSEQUENCES : - 15 U.S.C. 1681n & 1681o : You are liable for statutory, actual, and punitive damages. 
- XXXX XXXX XXXX : Failure to properly verify requires deletion. 
- FDCPA & FCRA violations expose your compliance officers to personal liability. 
DEMAND : - DELETE these accounts within 15 calendar days. 
- Provide me with updated reports reflecting permanent deletion. 
Failure to comply will result in immediate federal litigation against TransUnion, Equifax, and Experian, naming executives and compliance managers personally, along with formal complaints to the CFPB, FTC, and State Attorney General. 
This is not a reinvestigation request. This is a legal demand for deletion. You are on notice. 
Sincerely, ______________________________ XXXX XXXX XXXX Appendix A Proof of Identity Enclosed for verification are government-issued documents : - Alabama State ID No. XXXX, issued XX/XX/XXXX, exp. XX/XX/XXXX ( DOB : XX/XX/XXXX ) - Social Security Card SSN ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ Social Security Card Image Attached ] [ Alabama State ID Image Attached ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: MO

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: TX

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 2025-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XXXX XX/XX/year> a business sent me a payment of {$5000.00} via my personal PayPal account. On XXXX XX/XX/year> I tried to arrange a transfer of the full amount from PayPal to my bank account via PayPal 's XXXX day ( no fee ) transfer. I received an error message that " Youre transferring more than your daily limit allows. Try a smaller amount. '' The desired transfer amount is below PayPal 's daily transfer limit. 

I contacted PayPay support and was told that for the time being due to technical issues at PayPal the mot I could transfer on any one day is {$1500.00}. This means I will need to make XXXX transfers and wait about XXXX business days before the entirety of my funds are transferred to my bank. I was not given any estimate of when the technical problems at PayPal would be corrected. 

This is outrageous as it means that PayPal will have the use of my money for close to XXXX business days. How can it be that a large financial institution such as PayPal can do this? A commercial bank would never allow such a lapse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: IL

Complaint narrative:
Re : Cease and Desist Notice Pursuant to 15 U.S.C. 1692c ( c ) To Whom It May Concern : I am writing regarding your attempts to collect an alleged debt from me. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that you immediately cease all communication with me regarding this alleged debt. 

Please be advised that under federal law, once you receive this notice, you may only contact me to : XXXX. Confirm that you will cease further communication, or XXXX. Notify me of any specific legal action you intend to pursue. 

Any other attempt to communicate with me regarding this alleged debt will constitute a violation of the FDCPA and may be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General. 

This letter is not an acknowledgment of the validity of any alleged debt and should not be construed as such. 

Thank you for your immediate attention to this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a formal dispute of a fraudulent account currently listed under my credit profile. I have no association with this account, did not authorize its creation, and never engaged in any transactions related to it. Its presence is a direct misrepresentation of my financial history and continues to negatively impact my credit 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 2025-08-26 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: GA

Complaint narrative:
XX/XX/year> Attempted to pay my mortgage online as usual with United Wholesale Mortgage ( UWM ). Unable to process mortgage payment due to account being transferred to 3rd party who was going to manage payments for the UWM. Were told that no late payments or fees or reporting would happen in this 2 month window as files were being transferred to 3rd Party. 

Approximately 15 days later, new portal access is opened so we can make our payments. However when I go to pay my mortgage, my payment of {$2200.00} has now increased to {$2200.00}. I called UWM to inquire why and was told they can't see anything because files still had not been transferred after very lengthy hold time. Was told to give it time. I continued to reach to UWM for a supervisor to call me, which never happened. On my 4th attempt, I asked for manager and actually got to speak to one. After telling them my issue, they came back and said it was an escrow increase. I replied that was unacceptable for the following reasons. 1. UWM never notified me on an escrow issue or of an escrow increase to my payment. 2. UWM did not offer me an option to pay the escrow difference and keep my payments the same. 3. UWM did not give me the option to say just increase my mortgage by their perceived shortage. XXXX. My current escrow for the preceding year did not have any homestead exemption of over age XXXX exemption applied as those would be in effect for XXXX  disbursements. 

Her response was send us new tax bill reflecting these changes. Those won't be mailed out until later. I asked her how they can perceive my escrow will be arrears if they haven't received the anticipated new tax bill themselves. I asked for my account to be changed to reflect my proper and correct mortgage payment. She said she could not do that. I told her I am willing to pay all monies now, but not the " extra escrow '' monies. She said they won't accept any partial payments. 

She suggested I go to the message center on UWM site and express my concerns in an attempt to rectify the situation which I did on XXXX. Got a response on XXXX -- XXXX to send them the updated tax bill when I receive it but NO mention of my request to lower my payment to my original loan or their letter saying my payment would not change. Sent new message on XXXX no response. Sent new message on XXXX still waiting. 

Called UMW again on XXXX after longest call hold on 1 hr and 47 minutes I got customer service rep, asked for supervisor once again, was told they would have to call me back. Again no call in response. 

This is the absolute worst customer service experience I have ever had to deal with. Another money saving attempt by UWM to hire a 3rd party to manage this than hire for themselves customer service reps to do the job. 

I'm not able to call UWM who originally had my loan even though it's all the same company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My wallet was stolen in XXXX XXXX in XX/XX/XXXX. At that time, my Bank of America credit card balance was about {$2000.00}, which was my own spending and I continued to pay faithfully. I have never missed a minimum payment and often paid more when I could, even though I am an international student without legal income in the U.S. during my studies. 

In XX/XX/XXXX, my account balance suddenly increased to over {$4000.00} when an additional XXXX {$2500.00} in charges were posted without clear explanation. I immediately tried to dispute these charges. I called Bank of America, attempted to schedule appointments at XXXX XXXXXXXX XXXX XXXX and asked for a written investigation. Instead of investigating, Bank of America closed my account and repeatedly told me to call only. On some calls I was even redirected to third-party debt consolidation services instead of being helped. This denied me my rights under the Fair Credit Billing Act ( FCBA ), which requires a written dispute process, and left me without a resolution. 

I also attempted to dispute these charges within the required timeframe, but Bank of America refused to process my dispute in writing. Their refusal to handle the dispute properly is the reason this matter is still unresolved. Under the Fair Credit Reporting Act ( FCRA ), they also can not report inaccurate or inflated balances to credit bureaus without investigation. 

This unresolved issue has already caused me serious harm. I recently applied for a student loan and was denied, and I believe this was directly due to the inaccurate higher balance Bank of America allowed to remain on my credit report. As an XXXX XXXX XXXX, I can not work legally, and I do not have family financial support since XXXX. I am completely on my own. Because of this unresolved credit issue, I was delayed in registering for classes, missed part of the start of the semester, and my education has already been disrupted.

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 2025-08-26 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: WI

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-08-26 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief