vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.

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 2025-03-01 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: SC

Complaint narrative:
I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.

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 2025-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am filing a formal complaint against PayPal regarding their aggressive and distressing debt collection practices, which have significantly worsened my mental and emotional well-being. 

Due to financial hardship and prolonged exposure to a violent environment, I have been struggling with severe mental distress, including suicidal thoughts. My economic situation has made it extremely difficult for me to repay my outstanding debt to PayPal, and despite my efforts to manage my situation, their relentless collection tactics have only exacerbated my emotional distress. 

PayPal has been persistently demanding repayment, contacting me repeatedly despite my inability to pay at this time. Most concerningly, they somehow obtained and called my elderly grandmother, harassing her about my debt. I have no idea how they acquired her contact information, and this invasion of my family 's privacy has caused additional emotional distress for both me and my relatives. Their actions have not only increased my anxiety but have also left me feeling completely overwhelmed and hopeless. 

I am reaching out to seek urgent intervention. I respectfully request that PayPal cease their aggressive collection attempts, including contacting my relatives, and provide me with a hardship payment plan or a reasonable resolution that acknowledges my financial and mental health struggles. 

I am committed to addressing this debt, but I need a fair and humane approach that does not further deteriorate my well-being. I kindly ask for CFPBs assistance in ensuring that PayPal adheres to ethical and responsible debt collection practices. 

Thank you for your time and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I received a postcard stating my student loans were part of a lawsuit, and I was eligible for compensation. Despite this, Ive continued making payments. I am requesting a full review of my account, as I paid Sallie Mae/Navient ( now XXXX ) hundreds of dollars in forbearance from XXXX to XXXX to keep my account current during financial hardship. Each period of forbearance only added more interest and fees, increasing my debt instead of helping. 

Navient consistently pushed forbearance as the primary solution, trapping borrowers in a cycle of mounting debt. These practices have placed an undue burden on individuals like me who were already struggling. The compensation I received does not seem to reflect the extent of my financial losses during those years. 

I respectfully ask that you review my payment history and determine if further compensation or adjustments are warranted. Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-01 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: FL

Complaint narrative:
Upon reviewing my credit report, I was disturbed to find accounts that I do not recognize. I never opened these accounts, yet they are appearing under my name, which is completely inaccurate and unacceptable. This misinformation is damaging my credit history, and I need immediate action to correct it.

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 2025-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I am filing a formal complaint against OneMain Financial XXXX Credit Card due to their handling of my financial hardship. 

I have been unable to work due to severe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX I endure daily has taken a severe toll on my well-being, to the extent that I have struggled XXXX XXXX XXXX. In this desperate situation, XXXX has charged me {$140.00} in late fees, in addition to high interest, making it even more impossible for me to repay my debt. 

I have attempted to explain my financial and personal hardship, but instead of providing any assistance, XXXX continues to increase my debt burden with excessive fees. This has left me feeling completely hopeless, as I am trapped in a situation where I can not pay, yet the debt continues to grow.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my right.

Under 15 USC 1681 Section-602, it states I have the right to privacy.

15 USC 1681, Section 604 ( a ) ( 2 ), it also states a consumer reporting agency can not furnish an account without my written instruction.

Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2025-03-01 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: LA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-03-01 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-03-01 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: GA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 


( Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( Incorrect Address - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( EMPLOYER - XXXX  )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-03-01 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-03-01 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: GA

Complaint narrative:
I am filing this formal complaint against XXXX XXXX XXXX XXXX ( XXXX ) for knowingly reporting a fraudulent loan on my credit report, failing to conduct a reasonable investigation as required under federal and state laws, and ignoring my identity theft police report that proves I am a victim of fraud. 

Fraudulent Activity & Identity Theft Details This fraudulent loan was the result of identity theft committed by XXXX XXXX, a former family friend, who : Stole my wallet and obtained unauthorized access to my personal property and confidential information ( documented since XXXX  ). 
Used my stolen information to fraudulently rent an apartment, open accounts, attempt payday loans, and make unauthorized purchases. 
Opened a fraudulent XXXX XXXX with XXXX under my name without my knowledge or consent. 

XXXX XXXX was a trusted family friend, which allowed him to gain access to my personal information and commit multiple fraudulent acts over time. 

I have never spoken to or interacted with any representative of XXXX regarding this loan. XXXX failed to verify my identity and approved a loan based on fraudulent information. 

Despite submitting a police report confirming the identity theft, XXXX continues to report this fraudulent account, violating multiple federal and state consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: GA

Complaint narrative:
I am filing this formal complaint against XXXX XXXX XXXX XXXX ( XXXX ) for knowingly reporting a fraudulent loan on my credit report, failing to conduct a reasonable investigation as required under federal and state laws, and ignoring my identity theft police report that proves I am a victim of fraud. 

Fraudulent Activity & Identity Theft Details This fraudulent loan was the result of identity theft committed by XXXX XXXX, a former family friend, who : Stole my wallet and obtained unauthorized access to my personal property and confidential information ( documented since XXXX  ). 
Used my stolen information to fraudulently rent an apartment, open accounts, attempt payday loans, and make unauthorized purchases. 
Opened a fraudulent XXXX XXXX with XXXX under my name without my knowledge or consent. 

XXXX XXXX was a trusted family friend, which allowed him to gain access to my personal information and commit multiple fraudulent acts over time. 

I have never spoken to or interacted with any representative of XXXX regarding this loan. XXXX failed to verify my identity and approved a loan based on fraudulent information. 

Despite submitting a police report confirming the identity theft, XXXX continues to report this fraudulent account, violating multiple federal and state consumer protection laws.

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 2025-03-01 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: GA

Complaint narrative:
I am filing this formal complaint against XXXX XXXX XXXX XXXX ( XXXX ) for knowingly reporting a fraudulent loan on my credit report, failing to conduct a reasonable investigation as required under federal and state laws, and ignoring my identity theft police report that proves I am a victim of fraud. 

Fraudulent Activity & Identity Theft Details This fraudulent loan was the result of identity theft committed by XXXX XXXX, a former family friend, who : Stole my wallet and obtained unauthorized access to my personal property and confidential information ( documented since XXXX ). 
Used my stolen information to fraudulently rent an apartment, open accounts, attempt payday loans, and make unauthorized purchases. 
Opened a fraudulent XXXX XXXX with XXXX under my name without my knowledge or consent. 

XXXX XXXX was a trusted family friend, which allowed him to gain access to my personal information and commit multiple fraudulent acts over time. 

I have never spoken to or interacted with any representative of XXXX regarding this loan. XXXX failed to verify my identity and approved a loan based on fraudulent information. 

Despite submitting a police report confirming the identity theft, XXXX continues to report this fraudulent account, violating multiple federal and state consumer protection laws.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX  XXXX credit was able to remove closed charge off on my personal credit report because I was involved in a data breach where my personal information such as SSI, date of birth and address. Also, during the time of investigation XXXX  XXXX continued to report to the credit bureaus. XXXX, XXXX  has updated removal of charge off on XXXX but it has not been updated with TransUnion. On TransUnion it is still reporting negatively.

Company response to consumer: Closed with non-monetary relief