vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: NC

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-23 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: CA

Complaint narrative:
On XX/XX/XXXX A Citi bank customer service representative explained to me on the phone that my Citi bank checking account XXXX was closed and I should receive my {$9700.00} in XXXX to XXXX  days. {$9700.00} came from my XXXX irs refund that was sent to my mailing address by check because my bank account was closed that deposit was on XX/XX/XXXX to Citi bank and {$1.00} was deposited into the account by me before the account was closed on XX/XX/XXXX. On XX/XX/XXXX I got a update from a Citi bank representative that I will not receive my {$9700.00} check to my mailing address because the {$9700.00} was unverifiable and that is not the truth because I have documents from the irs stating that the refund came from the irs.

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 monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filling a formal complaint for inconsistent and misleading account information on the major credit reporting agencies in violation of the violation of the fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: ID

Complaint narrative:
I am submitting this complaint regarding inaccurate and misleading credit reporting by PennyMac Loan Services related to a mortgage loan trial modification we participated in from XX/XX/XXXX through XX/XX/XXXX. 

PennyMac has reported XXXX late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, I made all three trial modification payments on time and in full, as required. This has been explicitly acknowledged by PennyMac on a recorded call with XXXX of their supervisors, XXXX, who stated : We agree 100 % that those XXXX payments were on time. Unequivocally. 

I have also attached transaction records from PennyMacs own portal confirming the following payments : XX/XX/XXXX {$960.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} Despite my full compliance, PennyMac continues to report these XXXX months as XXXX late, which is materially misleading under the Fair Credit Reporting Act. This misrepresentation has directly harmed my credit and is now jeopardizing my ability to qualify for a new mortgage, despite my on-time performance under the trial plan. 

PennyMac has explained that the account remained technically delinquent until the permanent modification was finalized in XX/XX/XXXX and therefore they believe the reporting is factually accurate. However : XXXX. They acknowledge I made all required trial payments on time. 
XXXX. They chose to suppress reporting for XXXX through XX/XX/XXXX, during which the loan was also delinquent, citing VA guidance demonstrating that discretion is possible. 
XXXX. Their disclosures only stated the modification may have credit or tax implications, but they never clearly explained that on-time trial payments would be reported as late. 
XXXX. While they used a comment code AC ( borrower paying under a repayment plan ), that code is not factored into credit scores or understood by most underwriters and does not mitigate the harm of the XXXX late marks. 

I am not disputing previous delinquencies. We are simply requesting that PennyMac either : Remove or suppress the XXXX lates for XX/XX/XXXX through XX/XX/XXXX, or Provide a formal written statement confirming those XXXX payments were made on time and in full, per the trial modification agreement, so we can use that in our credit disputes. 

We have attempted to resolve this directly with PennyMac, including on a recorded call where we requested this documentation. So far, they have refused to correct the reporting or provide verification in writing. 

We believe this is a violation of the spirit and intent of the FCRA. The current credit reporting does not reflect my actual payment behavior and creates a materially misleading view of our creditworthiness, despite my documented good-faith compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: OH

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: 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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: NY

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX Code XXXX 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 ( XXXX ) 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 2025-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: VI

Complaint narrative:
I have been unable to enter my account for a month, I have contacted support and they have not helped at all they all give me the same information and still i can not login. I have the email my social and phone all attached to this account yet I still can not get through. I'm not getting no XXXX codes to my phone to login. Every Other XXXX I use for any other website other than Coinbase comes through without a problem. Their Automated system is not reading my ID even though its shows my name and face perfectly. I can not access my own money and their support will not do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The personal details on my credit report contain errors, particularly with old or incorrect addresses that need to be taken off immediately. Ive included the appropriate documentation to support these changes, and I am requesting that these be removed from my credit profile 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 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SECURITY CREDIT SYSTEMS INC
State: NY

Complaint narrative:
SECURITY CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research SECURITY CREDIT SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: TN

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 XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : AXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: PA

Complaint narrative:
I was trying to buy a car and the dealer apparently trying to get the loan from all over which I have no knowledge of it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: MI

Complaint narrative:
Experian violated my rights as a consumer by not blocking FRAUDULENT information resulted from identity theft by Experian furnishing these accounts on my consumer report. I, the consumer, demanded a block on the fraudulent information pursuant to 15 U.S. Code 1681c-2 no later than XXXX ( XXXX ) business days after the date of receipt. Experian responded to my CFPB complaint on XX/XX/year> that my complaint was received. However, as of XX/XX/year> 8 days later the information is still not blocked and removed. 
( See CFPB complaint attached )

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 2025-07-23 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 2025-07-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Branch Messenger, Inc.
State: CA

Complaint narrative:
On XX/XX/year> at XXXX, I completed a food delivery through the XXXX Eats platform. The payment for that delivery, totaling approximately {$160.00}, was automatically transferred without my consent to a Branch XXXX XXXX card that I did not intend to use. I was expecting the funds to go to my main bank account, as usual. 

I contacted Uber XXXX XXXX, XXXX App XXXX, and even called multiple times. Both companies kept redirecting me back and forth. XXXX XXXX claimed they escalated my case to higher-level support several times over the course of a few days, but I never received a concrete resolution. 

I tried every troubleshooting step they provided : logging out, reinstalling the app, updating settings none of it resolved the issue. The money still remains in the XXXX account, but none of the ATMs I tried will allow me to withdraw it. Its effectively locked in a card XXXX cant access or use properly. 

I asked for the money to simply be transferred back to my regular bank account or to close the XXXX XXXX  altogether, but they said they dont have the ability to do that and just kept repeating the same scripted steps. 

It has been several days with no resolution, and I rely on that money for essential expenses. I am requesting the CFPB to assist in getting the funds released back to my bank account. 

I am filing this complaint as a last resort in hopes that the CFPB can step in and resolve this matter, as neither company is taking responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
Dear [ I.C SYSTEM, INC ], I am formally disputing the validity of the alleged debt referenced by your company in connection with account number [ XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request validation of this debt, which I am hereby demanding. 

Let me be clear : I do not acknowledge this debt. 
Until your agency provides full validation, you are required by law to cease all collection activities, including reporting to credit bureaus.

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 2025-07-23 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: CA

Complaint narrative:
I am a victim of identity theft. I disputed this incorrect information on my credit file with TransUnion, Equifax and Experian. It came back as verified and updated. I contacted XXXX XXXX as they are said to be the original creditor. I verified that I have no outstanding debt with them and they provided documentation to support as fact. I want the incorrect information removed expeditiously. I would like to file a formal charge against the violators due to punitive damages occurred. I have been hindered and denied my right to access credit due to this violation.

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 2025-07-23 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:
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 : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-07-23 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: PA

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. 

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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