vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Texas Date : XX/XX/year> To : Experian XXXX Transunion XXXX : XXXX XXXX XXXX XXXX XXXX XXXX under 15 U.S.C. 1681 ( a ) ( 4 ) Immediate Action Demanded To Whom It May Concern : This letter serves as a formal and urgent demand for the immediate correction and removal of inaccurate and damaging information on my credit report maintained by your bureau. 

Pursuant to 15 U.S.C. 1681 ( a ) ( 4 ), Congress has recognized that inaccurate credit reporting " undermines the public confidence which is essential to the continued functioning of the banking system '' and causes direct and unjustified harm to consumers. In your failure to maintain accurate, fair, and verified information, you have not only breached that public trust you have violated the rights Congress enacted to protect. 

Disputed Item ( XXXX ) : Bankruptcy Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX Reason for Dispute : by law i have the right for privacy and i didnt give written consent for those to be posted on my consumer report this violates my rights for privacy. 
I am demanding that the bureaus removed within the time prescribed by law ( 30 days from receipt of this notice ). Enclosed are documents supporting my dispute, including : [ Copy of ID and proof of address ] [ Any relevant documents : payment confirmation, fraud affidavit, correspondence with If this inaccurate data is not promptly corrected, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney generals office. I am also prepared to initiate legal action under 15 U.S.C. 1681n and 1681o, and to seek statutory and punitive damages, attorneys fees, and injunctive relief for willful or negligent noncompliance. 

You are hereby on notice that I intend to hold your agency fully accountable for any and all consequences stemming from the reporting of false, inaccurate, or unverifiable information. 

This is your opportunity to correct the error before further action is taken. I expect written confirmation of your compliance within 30 days of your receipt of this notice.

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 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Since XXXX, I've been charged {$140.00} in overdraft fees. Their policy is that they can charge up to XXXX overdraft fees per day, each of which is {$37.00}. So XXXX person could be charged {$110.00} per day, further putting their account into the negative. This is by far the most expensive overdraft policy of any bank I've seen. I had to speak to XXXX different people about getting the fees refunded, and even after speaking with a supervisor I only got part of the {$140.00} they charged me refunded. They're clearly taking advantage of their lower income customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XXXX XX/XX/year>, I received a legitimate sale of XXXX XXXX  ( Transaction ID : [ XXXX ] ), which was automatically placed on hold by PayPal. Subsequently, PayPal requested multiple documents, which I promptly provided. These documents are available for review by any fair third party. 

Despite my compliance, PayPal has continued to hold the funds, claiming that my account is associated with another account with unresolved issues. The said funds will be held for XXXX  days. This is not only unfair but also undeserved for the following reasons : XXXX. I have been using this account for over XXXX years without any such issues. It is unreasonable for this claim to surface only after receiving this particular payment. 

XXXX. Prior to accepting the payment, I sought confirmation of my account limits from PayPal support and was informed that my limit stands at XXXX XXXX. It is therefore unclear why a payment of approximately XXXX XXXX XXXX XXXX XXXX ) would be held. 

XXXX. I have previously received significantly larger payments without any problems and have consistently adhered to PayPals terms of service.

4. I am deeply concerned about the fairness and impartiality of PayPals actions, which appear discriminatory and damaging to my business.

5. This conduct is severely affecting my ability to conduct business and urgently requires investigation and intervention.

I respectfully request your office to review this matter and ensure that PayPal releases my legitimately earned funds without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: FREEDOM FINANCIAL NETWORK
State: IL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX  dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ).

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the three credit bureaus. 

Account : XXXX XXXX  ( original creditor : 0XXXX XXXX XXXX XXXX ) Account number : XXXX Both TransUnion and Experian reported inconsistencies as follows : Date account opened XX/XX/year> vs XX/XX/year> I believe the credit reporting agencies have failed to conduct a proper reinvestigation and are continuing to report inaccurate and misleading information. Under the FCRA, information must be complete and verifiable, and the current reporting fails that standard. 


Provide documentation of the verification method used. 

Ensure all reported accounts meet the standard of maximum possible accuracy. 

The continued reporting of unverifiable or conflicting data is damaging my creditworthiness and causing harm. 

Additional Information : I have retained documentation/screenshots showing the discrepancies. 

Disputes were submitted through the appropriate channels and responses were inadequate. 

These actions violate my rights under the FCRA.

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 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
Concora Credit is something I do not know about other than when I applied for my Indigo CC. I never activated this CC once I found out there was a annual fee of {$170.00} after being told in the mail paperwork received that there was a XXXX annual fee. I do not know why Concora Credit is involved and is showing that CC and that I owe {$170.00} for a card I NEVER ACTIVATED, USED AND I CUT IT UP, CLOSED THE ACCOUNT WITH INDIGO AND WAS TOLD THAT THE FEE WOULD BE DISMISSED AS I NEVER ACTIVATED OR USED THE CARD. I do not care why Concora Credit is involved, they need to dismiss that fee on their online account and show that credit card as never being activated and closed out the very same day I received it. Indigo and Concora Credit need to lean to communicate and get my account straight and closed out. As soon I I realized they both lied about the annual fee and other hidden fees, I did not activate the card or use the card. Both companies have no legal right to hid fees and then when the card arrives all of a sudden the fees pop up on both websites of account. Who is Concora Credit, I did not apply with them, I applied with Indigo and that account has been closed, never activated and the annual fee of {$170.00} was dismissed bt their foreign customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: CO

Complaint narrative:
I have reported to Experian, TransUnion, and Equifax, that the on or around XX/XX/year> that the XXXX XXXX XXXX  Accounts being reported on my credit report was not in alignment with fcra guidelines and has been reported falsely including incorrect ACCOUNT numbers, dates, and other various items that are not matching add up correctly and insisted a proper reinvestigation be done. furthermore to provide me with the details of the reinvestigation and the steps taken during the reinvestigation. All three credit reporting companies have not gotten back to me with my request and continue to report false and misleading information which is damaging my credit and reputation. Experian for one has not made it possible for me to even see the results of previous disputed items that they have finished reviewing. the accounts are both XXXX XXXX XXXX XXXX accounts. They have also not been including who the original creditor is making it impossible for me to verify its validity or confirm who the original creditor is and if the accounts belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have reported to Experian, TransUnion, and Equifax, that the on or around XX/XX/year> that the XXXX XXXX XXXX  Accounts being reported on my credit report was not in alignment with fcra guidelines and has been reported falsely including incorrect ACCOUNT numbers, dates, and other various items that are not matching add up correctly and insisted a proper reinvestigation be done. furthermore to provide me with the details of the reinvestigation and the steps taken during the reinvestigation. All three credit reporting companies have not gotten back to me with my request and continue to report false and misleading information which is damaging my credit and reputation. Experian for one has not made it possible for me to even see the results of previous disputed items that they have finished reviewing. the accounts are both XXXX XXXX XXXX XXXX accounts. They have also not been including who the original creditor is making it impossible for me to verify its validity or confirm who the original creditor is and if the accounts belongs 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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 2025-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off.

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4
) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history.

Please update my credit report accordingly and provide written confirmation of these corrections.

Thank you for your prompt attention to 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 2025-07-26 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: PA

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off.

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4
) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history.

Please update my credit report accordingly and provide written confirmation of these corrections.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ).

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the three credit bureaus. 

Account : XXXX Account number : XXXX Inconsistencies reported among all reporting bureaus as follows : Date account was opened XX/XX/XXXX vs XX/XX/XXXX Account type details High credit reported Credit limit reported I believe the credit reporting agencies have failed to conduct a proper reinvestigation and are continuing to report inaccurate and misleading information. Under the FCRA, information must be complete and verifiable, and the current reporting fails that standard. 



Provide documentation of the verification method used. 

Ensure all reported accounts meet the standard of maximum possible accuracy. 

The continued reporting of unverifiable or conflicting data is damaging my creditworthiness and causing harm. 

Additional Information : I have retained documentation/screenshots showing the discrepancies. 

Disputes were submitted through the appropriate channels and responses were inadequate. 

These actions violate my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: NE

Complaint narrative:
Around XX/XX/year> I got a alert on my credit report. On XX/XX/year> I sent a notice requesting validation of debt. No response from said debt collector. The Fair Debt Collection Practices Act ( FDCPA ) requires that a debt collector must send a validation notice either in their initial communication or within five days of it. If a consumer disputes the debt within 30 days of the initial communication, the collector must cease collection efforts until they validate the debt. No cease occurred in fact on XX/XX/year> a collection was added to my credit report. Due to no response I filed a complaint on XX/XX/year> at which time said debt collector attempted to provide documentation, and collection still continued. While there's no legal time limit for a debt collector to respond to a verification letter, they can not continue collection efforts until they provide the requested validation.

Company response to consumer: Closed with explanation