vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Dear CFPB, I am submitting this formal complaint against Experian and TransUnion for violating my rights under the Fair Credit Reporting Act ( FCRA ) through the unlawful reinsertion of accounts that were previously deleted for failing to meet compliance standards. especially considering the massive data leak between these XXXX bureaus that have helped foster the wrongful reinsertion of these XXXX accounts. 

The XXXX accounts in question are : XXXX XXXX XXXX Account ending in XXXX XXXX Account ending in XXXX These accounts were previously removed from my XXXX credit file after being found inaccurate, unverifiable, and noncompliant with the FCRA. I have attached documentation to support this. 
However, both Experian and TransUnion have since reinserted these accounts onto my credit reports without following the legally required protocols outlined under federal law. 

This includes : 15 U.S.C. 1681i ( a ) ( 1 ) : I exercised my right to dispute inaccurate information. The accounts were removed and should not have reappeared unless certified by the furnisher. 
15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : If a credit bureau re-reports a previously deleted item, they must obtain certification of accuracy from the furnisher and provide written notice to the consumer within XXXX business days. I received no such notice or documentation of any certification. 
15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Consumers have the right to be notified of the results of any reinvestigation. I was given no explanation or documentation related to the reappearance of these accounts. 

These reinsertions were made without my knowledge, without my consent, and without proper verification or notification, which directly violates my consumer rights. 
As a result of these unlawful actions, my creditworthiness has been negatively impacted, and I have suffered damages, including delays in funding opportunities and increased costs of credit.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
As everyone knows, in XX/XX/year> XXXX XXXX was struck by XXXX XXXX. I have noticed on my XXXX XXXX XXXX  credit reports a XXXX delinquency mark corresponding to XX/XX/year>. According to my records and previous communications with your institution, during that period I was under a forbearance granted by Banco Popular as part of the assistance program after XXXX XXXX. For that reason, it should not have been reported as a negative delinquency, since the forbearance agreement temporarily suspended payments without penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit XXXX, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 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 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 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 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 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 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 2025-07-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and XXXX data breach.

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 2025-07-16 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-16 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
Im in the process of paying off debts I owe. One of the companies that purchased my debt was Calvary spv. I contacted them and over the phone they notified I was being sued. No documents was sent out saying I owe a debt from them. I asked the women on the phone to please send me something showing that they have reached out to me. She replied she is not responsible for the mail. I said if it is important such as a lawsuit or personal information it should have been sent certified and I would have to sign for it. I have not reached had any direct communication with this company. I think they are scamming me. She also gave me a balance greater than what I owed to XXXX XXXX and her response was she added interest. I told her she legally can not add interest on a debt she has purchased. Whatever the amount she purchased the debt for that what I owed. I have not signed any additional documents stating I agree to the interest

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: PA

Complaint narrative:
I am submitting this complaint because TransUnion is reporting multiple charge-off accounts that are either inaccurate, misrepresentative, or legally outdated. Specifically, the accounts in question include a XXXX account ending in XXXX, originally charged off on XX/XX/XXXX with a balance of {$6700.00} ; a XXXX XXXX account ending in XXXX, charged off on XX/XX/XXXX with a balance of {$590.00} ; an XXXX XXXX XXXX account ending in XXXX, reported as charged off on XX/XX/XXXX despite a current balance of {$0.00} ; and a XXXX account ending in XXXX, charged off on XX/XX/XXXX with a reported balance of {$490.00}. 

The XXXX XXXX XXXX account, in particular, is clearly reporting inaccurately. A charge-off status on a {$0.00} balance account misrepresents the state of the debt and implies that I still carry financial liability which I do not. The same can be said for the XXXX and XXXX XXXX entries, both of which contain data that appears inconsistent or outdated and may stem from improper data retention practices or reporting errors. 

Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), TransUnion is legally obligated to maintain reasonable procedures to ensure the maximum possible accuracy of the information it furnishes in consumer reports. Reporting a charge-off on an account that has no remaining balance or that has been settled or closed inaccurately portrays the consumers creditworthiness and violates this provision. Moreover, under 15 U.S.C. 1681i ( a ), I have the right to dispute any item I believe to be incomplete or incorrect, and TransUnion is required to conduct a good-faith reinvestigation within 30 days. TransUnions continued furnishing of this erroneous charge-off data, despite the XXXX balances and my prior efforts to correct them, constitutes a failure to uphold those duties. 

These inaccurate charge-off notations have caused me real and measurable harm. Theyve led to credit denials, unfavorable lending terms, and the emotional distress of having to defend my reputation for financial responsibility over matters that should no longer even appear derogatorily on my report. Ive lost confidence in the integrity of the data being maintained and feel as though TransUnion is either ignoring my rights under federal law or failing to properly audit the data provided by furnishers.

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 2025-07-16 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Two complaints against CITI. 

XXXX. Purchased a new ebike and accessories from XXXX XXXX XXXX, the accessories are not made for the bike and requested a refund of XXXX fo the accessories, merchant refused returns or resolution. Disputed the charge with CITI bank and they determined customer was responsible. 

XXXX. XXXX XXXX damaged wiring on our car while troubleshooting. Contacted XXXX XXXX several times and did not receive a response. Disputed the charge of XXXX and CITI again determined customer responsible. 

Clearly CITI does not support their customers, additionally we have documentation and pictures supporting both disputes.

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 2025-07-16 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: GA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Possible Financial Inc
State: FL

Complaint narrative:
accounts that have been opened in my name without my knowledge or consent. I have strong reason to believe that my XXXX  has misused my personal information to create multiple accounts, including the current account that is currently impacting my credit report. This situation has caused me substantial distress and hardship, particularly as a single mother. 

Several years ago, I lost my purse, which contained essential identification and sensitive financial information. Since that incident, I have noticed irregularities on my credit report, including various loans and credit cards that have been obtained in my name without my approval. I suspect that my XXXX may have gained access to my information during that vulnerable time, which has led to this fraudulent behavior and the creation of unauthorized accounts. 

I need to emphasize that I am not liable for these debts, and the ongoing repercussions are severely affecting my creditworthiness and overall financial stability. Being a XXXX  mother poses many challenges, and having this fraudulent activity linked to my name adds to my stress and XXXX. Therefore, it is imperative that these accounts be investigated thoroughly and removed from my credit report without delay.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: PR

Complaint narrative:
As everyone knows, in XX/XX/year> XXXX XXXX was struck by XXXX XXXX. I have noticed on my TransUnion and XXXX credit reports a XXXX delinquency mark corresponding to XX/XX/year>. According to my records and previous communications with your institution, during that period I was under a forbearance granted by XXXX XXXX as part of the assistance program after XXXX XXXX. For that reason, it should not have been reported as a negative delinquency, since the forbearance agreement temporarily suspended payments without penalties.

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 2025-07-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
My wallet and phone were both lost during XXXX XXXX XXXX XXXX After I got a new phone and logged into my PayPal I noticed hundreds of dollars were missing from my bank that were deposited into my PayPal and used from PayPal to another online merchant. I disputed those charges with PayPal and they investigated it and went into favor of the merchant. I explained to PayPal that my phone does not lock and my pin to open all of my accounts are the last XXXX digits of my SSN and that my SS card was in my wallet so it wasn't hard to access my accounts through my phone. Yet, PayPal ignored that situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
This letter is being sent in regard to a late payment that is currently showing on my credit file. I am disputing the accuracy of this entry, as I believe the payment was made within the agreed-upon terms.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I am writing to formally dispute and object to the inclusion and sharing of my personal financial information by Early Warning Services without my knowledge or consent. 

I recently obtained a File Disclosure report ( Consumer ID : XXXX ) dated XX/XX/year>, which included extensive personal and account-related data furnished by various financial institutions, including but not limited to XXXX XXXX XXXX XXXX XXXX XXXXXXXX North Carolina XXXX and XXXX XXXX XXXX XXXX XXXX This report shows sensitive details such as my Social Security Number, banking account numbers, account status histories, return transactions, and inquiry logs all distributed and accessed by third-party banks such as XXXX XXXX and XXXXXXXX XXXX XXXX 

At no point did I authorize the collection, use, or sharing of this private financial information with Early Warning Services or with any third party. This represents a clear violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ), as well as potential overreach in the gathering and dissemination of data by your organization and your financial contributors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXXXXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: OR

Complaint narrative:
I noticed a derogatory remark on my credit report regarding an alleged debt in the amount of {$7100.00}, which you claim I owe. I am formally requesting validation of this debt as provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Under the FDCPA, I have the right to request and receive proper documentation verifying this debt. Accordingly, please provide me with the following : 1. The name and address of the original creditor ; 2. A copy of the original signed agreement or contract showing my obligation to the debt 3. A detailed statement of the account including : - The full breakdown of the amount claimed ( principal, interest, fees, etc. ) ; -The date of the original debt and any payments or charges made since ; -Proof that National Credit Systems has the legal right to collect this debt ; -Verification that the statute of limitations on this debt has not expired ; -Your companys debt collector license number and the state ( s ) in which you are licensed. 

Until this information is provided, I request that all collection activities, including reporting to any credit bureau, be ceased. Any attempt to collect a debt without proper validation is a violation of federal law and is now being reported to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
A collection account has been reported under my credit profile without my authorization. I am not responsible for this debt, nor did I approve any transaction that would warrant such 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 2025-07-16 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:
I checked my credit report today like I usually do, but noticed some strange discrepancies that werent there before. After refreshing my browser to see if it might correct itself, the errors remained. For this reason, Im requesting that you carefully examine the documents Ive already sent so I wont have to keep worrying about these issues.

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