vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
I disputed this account with TransUnion, and after investigation, they verified it as inaccurate and deleted it from my credit report. Despite this, Resurgent Capital Services continues to send me collection letters and may still be furnishing this false information to other credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
b'I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act (FCRA), I5 U.S.C.  1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information (15 U.S.C.le(b)) and conduct a reasonable investigation of disputes raised by consumers (15 U.S.C.  1681). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed:  \n\n\nVERIZON EX EQ TU\n22692928600001\n$160\n03/01/2024\n03/12/2024\nREPORTING ON ALL BUREAU ( XXXX, EQUIFAX, AND XXXX XXXX)\n\nXXXXXXXX XXXX XXXX TUXXXX XXXX XXXX XXXX XXXX XXXX, EQUIFAX, XXXX  TRANS UNION)\n\nDespite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C.  1681e(b) and  168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I run a small, legitimate business that operates through preorders, and I use PayPal to process customer payments. I recently opened a PayPal business account to operate more professionally. Since then, PayPal has placed a hold on my funds money that is needed to fulfill customer orders or issue refunds. 

I have contacted PayPal over 10 times and spoken with multiple representatives. I have explained my situation clearly and provided documentation showing my business is legitimate and that these are valid transactions. Despite this, PayPal continues to deny my request to release the funds. 

Even worse, they are refusing to allow me to refund my customers using the money currently on hold, despite the fact that refunds would be processed directly through PayPal, providing proof for both me and my buyers. Im not asking for PayPal to release funds into my bank just to allow me to refund customers through their system. They still refuse. 

Because of this, I am now unable to fulfill orders or issue refunds not due to any wrongdoing on my part, but because PayPal is blocking access to money that legally belongs to my business and customers. This is damaging my reputation, putting me at legal risk, and threatening the survival of my small business. 

Im requesting that PayPal either release the funds so I can fulfill orders or allow me to refund customers through their own platform. I have done nothing wrong and just want to make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MN

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against Mohela, XXXX, XXXX, and XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). 
I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Thank you

Company response to consumer: Untimely response
Consumer complaint received 2025-08-05 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: NJ

Complaint narrative:
This letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law.

Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose. 

Legal Precedent : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. ), the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. 

Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 

XXXX XXXXXXXX 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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-08-05 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
I am writing to formally dispute an inaccurate and incomplete account listed on my credit report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, referencing account # XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX  listed as the original creditor. This account is erroneously reported as a * * charge-off * *, which is damaging my creditworthiness. 

1. * * Incorrect Reporting * * The account does not meet XXXX XXXX compliance standards under * * FCRA 623 ( a ) ( 5 ) * * and * * Furnisher Rule 12 CFR 1022.42 * *.

2. * * No Valid Proof of Debt * * I have never received proper validation of this debt as required by * * FDCPA 809 * *. 
XXXX. * * Inaccurate Status * * The charge-off is misleading and does not reflect the true nature of this account. 

Pursuant to * * FCRA 611 ( a ) ( 1 ) ( A ) * *, I demand that : - XXXX XXXX XXXX XXXX * * immediately and permanently delete * * this account from all credit bureaus ( Experian, Equifax, TransUnion ). 
- The CFPB investigates this furnisher for * * non-compliance with XXXX XXXX reporting standards * *. 
- I receive written confirmation of deletion within XXXX XXXX XXXX XXXX XXXX XXXX of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
I am writing to formally dispute an inaccurate and incomplete account listed on my credit report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, referencing account # XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX  listed as the original creditor. This account is erroneously reported as a * * charge-off * *, which is damaging my creditworthiness. 

1. * * Incorrect Reporting * * The account does not meet XXXX XXXX compliance standards under * * FCRA 623 ( a ) ( 5 ) * * and * * Furnisher Rule 12 CFR 1022.42 * *.

2. * * No Valid Proof of Debt * * I have never received proper validation of this debt as required by * * FDCPA 809 * *. 
XXXX. * * Inaccurate Status * * The charge-off is misleading and does not reflect the true nature of this account. 

Pursuant to * * FCRA 611 ( a ) ( 1 ) ( A ) * *, I demand that : - XXXX XXXX XXXX XXXX * * immediately and permanently delete * * this account from all credit bureaus ( Experian, Equifax, TransUnion ). 
- The CFPB investigates this furnisher for * * non-compliance with XXXX XXXX reporting standards * *. 
- I receive written confirmation of deletion within XXXX XXXX XXXX XXXX XXXX XXXX of this dispute.

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 2025-08-05 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: NV

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( 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 non-monetary relief
Consumer complaint received 2025-08-05 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: WA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a fraudulent collection account that has been reported on my credit file by XXXX XXXX XXXX, referencing a debt allegedly owed to XXXX 

This account does not belong to me and was added without my authorization or knowledge. I lost my wallet a few years ago and have since noticed multiple unauthorized accounts appearing on my credit reports. This XXXX collection is one of them.

I have already taken the following steps : Filed an identity theft report with the Federal Trade Commission ( FTC ). My reference number is XXXX. 
Contacted Experian and TransUnion by phone, informing them of this identity theft and disputing the validity of this collection. 
Submitted a dispute to Experian over two weeks ago, but this inaccurate account has yet to be removed and my credit score has not been restored. 
Contacted TransUnion, who acknowledged my identity theft report but have also not removed the account. 

This fraudulent collection has decreased my credit score by XXXX points, negatively impacting my financial standing. I am demanding immediate removal of this unauthorized account from my credit report under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-08-05 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: WA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a fraudulent collection account that has been reported on my credit file by XXXX XXXX XXXX, referencing a debt allegedly owed to XXXX 

This account does not belong to me and was added without my authorization or knowledge. I lost my wallet a few years ago and have since noticed multiple unauthorized accounts appearing on my credit reports. This XXXX collection is one of them.

I have already taken the following steps : Filed an identity theft report with the Federal Trade Commission ( FTC ). My reference number is XXXX. 
Contacted Experian and TransUnion by phone, informing them of this identity theft and disputing the validity of this collection. 
Submitted a dispute to Experian over two weeks ago, but this inaccurate account has yet to be removed and my credit score has not been restored. 
Contacted TransUnion, who acknowledged my identity theft report but have also not removed the account. 

This fraudulent collection has decreased my credit score by XXXX points, negatively impacting my financial standing. I am demanding immediate removal of this unauthorized account from my credit report under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
We have made multiple attempts to settle this account in good faith. I personally called Santander Consumer USA in XX/XX/XXXX and again in XX/XX/XXXX, requesting a written settlement agreement be sent via email so that we could resolve the balance. I was told during both calls that the agreement would be sent, but no emails or written correspondence were ever received. 


Both my husband and I are on the account. Most recently, on Friday, XX/XX/XXXX, my husband called Santander again and spoke to a representative who agreed to a settlement in full for {$50.00}. He also submitted a written request through Santanders website to follow up since we never received the promised email. We finally received a letter dated XX/XX/XXXX, stating that we could settle the account by making a {$50.00} payment due by XX/XX/XXXX, XXXXa full day before the letter was dated, and before it was even received by us. There was no way to comply with the terms of the settlement offer, making the situation impossible. 


Additionally, the letter can not be responded to directlythere is no option to reply by email or through the message center on their website. Any new communication requires submitting an entirely new request, which restarts the process again. This is unreasonable and unfair, especially considering the length of time we have been trying to settle this account. 


To make matters worse, Santander is continuing to report late payments even after the account was charged off, which is both inaccurate and misleading. This type of reporting violates the Fair Credit Reporting Act ( FCRA ) and has severely impacted mine and my husbands credit. We disputed this with Transunion multiple times with updated late payments as a result. 


We are not avoiding the debtwe are actively trying to resolve it, but Santanders lack of timely communication and refusal to provide a fair opportunity to settle has prevented us from doing so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-08-05 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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