vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-05-01 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: EQUIFAX, INC.
State: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute an account listed on my credit report that I continue to believe is both inaccurate and incomplete. Despite submitting multiple disputes, the incorrect information remains unchanged, and it appears that no comprehensive or good-faith investigation has taken place. 

This ongoing issue has caused significant emotional distress and is now interfering with my daily life. I am increasingly frustrated and disheartened by the lack of meaningful resolution. 

Please note, this is not a vague or frivolous dispute. I am not seeking generic or automated responses. I have lawfully authorized a third-party representative to submit this dispute on my behalf, and all required identifying documentation has been provided to support immediate and proper handling of this matter. 

Thank you for your attention and prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX XXXX XXXXXXXX XXXX {$8800.00} XXXX XXXX {$8100.00} XXXX XXXX XXXX XXXX XXXX {$6800.00} XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX  {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX XXXXXXXX {$530.00} IXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$530.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$140.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX inquiry date XX/XX/year> XXXX inquiry date XX/XX/year>

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 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I received a letter dated XX/XX/year> stating Your Citi account will be automatically close with 60 days. I was informed that my remaining funds, {$250000.00} would be mailed to me by check. 

In the letter stating If you believe these funds should be sent to you sooner.. .please visit your local branch. I went to a local branch and asked for a cashiers check for the balance, but the branch staff refused to issue it. The fund sources are legitimate from my XXXX Saving and I presented ID and account information. 

I am experiencing financial hardship and urgently need access to these funds. Citibank has not provided a clear reason for the delay or any option to expedite the process. This situation is causing me unnecessary stress, and I believe the bank is being unreasonable by withholding my money for XXXX months, XXXX months for closure and XXXX month for fund distribution. 

I respectfully request that CFPB intervene and help ensure Citibank releases my funds 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 2025-05-01 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: NY

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
I am filing this complaint with CURRENT because what they are doing is abusive. They have lowered my credit score by almost XXXX points when I don't owe them anything, not a cent. In fact, they have already closed my account, and I need my credit repaired immediately with all credit card companies. I am sending the company 's information so they can immediately correct my credit. It's a robbery and unfair. I don't owe them anything, nor have they ever lent me ANYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-04-30 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:
These accounts listed below are identity theft related. I have filed a report reference # XXXX. Also my data was exposed in the Equifax data breach 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 XXXXXX/XX/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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : Collection account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account is shown late payment on Experian and Equifax only XXXX account opened at XXXX XXXX XXXX XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX  account is shown late payment on Experian and Equifax only Collection account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is shown late payment only on Equifax Collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is shown in collection on Experian and Equifax only and showing late payment only on Equifax Collection account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is shown late payment on Experian and Equifax oXXXX XXXX account opened at XXXX XXXX on XX/XX/XXXX account number XXXX * * * * * account is shown late payment on Experian and Equifax only Collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is shown in collection on Experian and Equifax only Unsecured loan account opened at XXXX  on XX/XX/XXXX account number XXXX * * account is shown late payment on TransUnion only credit card account opened at XXXX XXXX XXXXXX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  account is shown late payment on Transunion only which is being inconsistently reported among the national credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: AL

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX  XXXX : XX/XX/XXXX SSN : XXXX Subject : Credit Report Dispute Unauthorized Account & Hard Inquiries Dear Experian, Equifax , Transunion I am writing to formally dispute inaccurate and unauthorized information on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and 1681b. 
XXXX. Unauthorized Account DPT EDXXXX An account titled " DPT EDXXXX '' reported on XX/XX/XXXX, appears on my credit report. This is an error and appears to result from unauthorized access to my personal and consumer data by a third party. Specifically, I have reason to believe this information may have originated from XXXX XXXX 's unauthorized access and a potential data sharing issue connected to the Department of Education on XX/XX/XXXX. 
I did not open or authorize any such account. 
I request that you remove or correct this inaccurate account information immediately. 
XXXX. Unauthorized Hard Inquiries XX/XX/XXXX There are also unauthorized hard inquiries on my report dated XX/XX/XXXX, by the following entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize these entities to access my credit. Under FCRA 1681b ( c ), a consumer reporting agency may only furnish a consumer report if the user of the report has a permissible purpose. Since I did not apply for credit with these organizations, these inquiries were made without my consent and are considered impermissible under the law. 
Action Requested : Delete the DPT EDXXXX account from my credit report. 
Remove all hard inquiries listed above from my credit file. 
Provide written confirmation that these items have been deleted or corrected. 
Please complete the investigation within the required 30-day period. Enclosed are copies of my identification and proof of address to assist with verifying my identity. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-04-30 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: TN

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX To Whom It May Concern : Im writing your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items was deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or i will seek litigation. 
( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of informationIf any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumerIf any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional informationAs part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 
I have proof of the account 's previous removal, including briefly describe the proof, e.g., " a letter from your bureau confirming the account was deleted '' or " a prior credit report showing the account was not listed. 
Under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the item from my file immediately. 
XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Please REMOVE Immediately XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please REMOVE immediately XXXX. XXXX XXXX Please REMOVE immediately Sincerely 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 2025-05-01 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: FL

Complaint narrative:
I transferred {$1000.00} to my PayPal account from a linked bank account on XX/XX/year>. When I tried to transfer it back to that same account, PayPal blocked the transaction. I have tried repeatedly to make this transfer, getting blocked each time for unspecified reasons. 

I have contacted their customer support online many times, and although I have provided them with confirmation codes sent through XXXX and email, my social security number, and correct answers to the security questions, they still refuse my transfer request, citing security concerns which are never specified. 

They keep telling me to try the transfer again after 72 hours, and when I do so and it fails, to wait another 72 hours and try again. And again. And again. " I'm sure it will work this time, try again. '' I've called their call support and they were unable to remove the block or even specify the nature of the security risk after I provided them with my social security number. 

Despite having quickly and easily accepted a bank transfer into PayPal, they are unwilling to transfer money back to the same bank account the original transfer came from and which PayPal themselves verified. 

This is tantamount to theft, and the thieves are gaslighting me and saying it's my own fault. I want my money transferred back to the linked account it originally came from I have just filed this same complaint with the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Reported to XXXX  Credit Report via dispute no required documents sent as requested Balance : {$1200.00} Date opened : XX/XX/year> Credit Bureau Reporting : XXXX  Subject : Violation of Consumer laws ; Dispute of Inaccurate Information/No accounts with this Agency ; Do not owe a debt to agency or XXXX  XXXX as listed/Erroneously Reporting of debt/Missing required account information required per the FCRA I have tried through XXXX  Disputes ; they were not helpful in providing listed requested verification documents. 
Under the FCRA Reporting Inaccurate or Unverifiable Information ( 15 USC 1681s-2 ( a ) ( 1 ) ( A ) ) Creditors and collection agencies must ensure the accuracy of the information they report. Since this account can not be verified, it should not be reported at all. Misrepresentation of Debt Status ( 15 USC 1692e ) It is illegal for debt collectors to misrepresent the status or validity of a debt. Reporting an unverifiable debt as an active collection misrepresents my financial status and negatively impacts my credit. 
This has had an Effect on Me : I have a XXXX, and This has caused added stress to my health, and my current health XXXX. This inaccurate account has damaged my credit score, preventing me from obtaining necessary financial services, and to receive proper necessary housing to support my current health XXXX. I have experienced denied credit opportunities and increased interest rates due to this false report. The continued reporting of this account has caused undue stress and financial hardship. 


XXXX  XXXX PORTFOLIO RECOVERY ASSOCIATES, has failed to validate the debt prior to placing on my consumer report. Their continued reporting of this account violates my consumer rights under federal law and has caused undue financial harm. 

Violations of Federal Law : Failure to Validate the Debt ( 15 USC 1692g ) Under the Fair Debt Collection Practices Act, I have the right to demand validation of any debt before it is reported or collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: FL

Complaint narrative:
I am disputing the XXXX account ( opened XX/XX/XXXX, closed XX/XX/XXXX ) due to false and harmful credit reporting. 

Although this account was paid in full, it continues to report as 120+ days late with a profit and loss write-off, which is factually incorrect. These negative marks are being reported months after the account was closed and settled. 

This is a violation of both XXXX XXXX guidelines and FCRA 623 ( a ). It misleads lenders and continues to damage my credit profile despite my full repayment. 

I am requesting this account be removed entirely from my credit report across all bureaus if the reporting can not be updated accurately and completely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation