vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint due to the continued reporting of a dismissed XXXXXXXX XXXX  bankruptcy on my credit report, despite my previous dispute ( s ) and request for removal based on its inaccuracy and misleading nature. 

The bankruptcy ( filed on XX/XX/year>, Reference Number XXXX ) was dismissed/closed with no discharge and no assets ( {$0.00} ). Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to ensure the maximum possible accuracy of all information they include. Reporting a dismissed bankruptcywhere no debts were dischargedis both inaccurate and misleading.

I previously disputed this entry with the credit bureau ( s ), but they failed to conduct a proper investigation, in violation of FCRA 1681i ( a ). Instead, they allowed the inaccurate and harmful information to remain, which negatively impacts my creditworthiness. 

Relief Sought : Immediate and permanent removal of the dismissed bankruptcy from all of my credit reports.

A thorough investigation in compliance with the FCRA.

Monetary relief for damages resulting from this violation, including harm to my credit profile and any related denials or unfavorable credit terms. 

I have attached a screenshot of the disputed entry from my credit monitoring service for your review. I am requesting that the CFPB intervene and ensure compliance with federal law, including holding the credit bureau accountable for its failure to meet the standards of accuracy and proper reinvestigation under the FCRA. 

Thank you for your attention to 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 2025-04-17 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: CA

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through XXXX. 

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent account listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section XXXX and Section XXXXrequires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency. 

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. 

I hereby reiterate and demand the immediate deletion of this fraudulent account from my credit report : THE XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am writing on behalf of a XXXX foreign trade company regarding a serious issue we have encountered with PayPal XXXX. XXXX, which we understand operates under the regulation of the XXXX XXXX XXXX XXXX. 

We have been using a PayPal business account to receive international payments from our clients. Recently, we received a payment of over USD XXXX from a foreign customer. However, to our shock and dismay, this amount was unauthorizedly withdrawn or stolen from our account without our knowledge or consent.

We followed PayPals official dispute procedure and submitted an appeal via their online platform. Unfortunately, our appeal was rejected without a clear explanation, and no effective support has been provided to help us recover the stolen funds. 

We believe this situation raises serious concerns about fund security, customer protection, and the compliance obligations of PayPal XXXX. XXXX as a licensed XXXX XXXX XXXX under the XXXX Services XXXX. 

Therefore, we are formally lodging this complaint to request that XXXX investigate this matter and assess whether PayPal XXXX. XXXX has violated any regulatory requirements or failed in its duty of care to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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 2025-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX, the Department of Education ( " USDE '' ) processed a {$25000.00} credit to my federal student loans for Loan Forgiveness and Discharge : Borrower Defense and the total amount of my student loans were forgiven. 

On XX/XX/XXXX, I received a letter from Aidvantage, my current servicer, that my student loans were in forebearance due to my loan discharge. This was the first time I was made aware of my student loan discharge. According to my Aidvantage Account History, a {$25000.00} credit was applied to my student loan account on XX/XX/XXXX. I continued to receive account statements up to and including XX/XX/XXXX requiring me to make my student loan payments, which I did. 

I have called the USDE numerous times and they have informed me that I am eligible for a full refund of all payments made to date on my student loans and that Aidvantage is responsible for processing my refund. 

I have called and emailed Aidvantage at least XXXX ( XXXX ) times and am told to contact USDE for this information. 

Today is XX/XX/XXXX, XXXX ( XXXX ) months after Aidvantage received the payment and almost XXXX ( XXXX ) months after they notified me of the payment from the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Unauthorized accounts opened money was transferrd and dead parents account was took along with mortgage to house XXXX of XXXX.been to bank over and over they won't give me my parents money back. fifth and third bank in XXXX, Mi

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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:
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 identity 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 XXXX 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 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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am filing this complaint regarding an inaccurate item om my credit report that continues to negativity impact my credit. Despite my efforts to resolve this matter directly with reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit score.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report and to demand a reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite prior requests, you have failed to provide verifiable documentation supporting the accuracy of the disputed account ( s ), violating your duties under FCRA 611 ( a ) and 623 ( b ). Continued noncompliance also exposes you to liability under FCRA 617. 
Legal Liability for FCRA Violations Numerous court decisions have held credit reporting agencies and furnishers financially liable for FCRA violations, including : 1. Ramirez v. TransUnion LLC, XXXX XXXX XXXX XXXX ( XXXX ) The XXXX Supreme Court upheld a class-action lawsuit against TransUnion for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 
XXXX. Johnson v. Wells Fargo Bank, N.A., XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX Md. XXXX ) XXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
XXXX. Soutter v. Equifax Info. Servs., LLC XXXX XXXX Fed XXXX XXXX. XXXX ( XXXX Cir. XXXX ) Equifax was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
XXXX. Dixon-Rollins v. Experian Info. Sols., IncXXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) Experian was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
XXXX. CFPB Enforcement Action against XXXX ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined XXXX {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These precedents highlight the legal risks of noncompliance with FCRA obligations. 
Disputed Account : Pursuant to FCRA 611 ( a ), I request a prompt reinvestigation of the following : XXXX XXXX XXXX XXXXXXXX

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 2025-04-17 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-17 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
I had been paying an old debt from XXXX of XXXX with XXXX XXXX to their internal financial dept. XXXXXXXX XXXX for my internet router that suddenly died and I still owed money on payments to them. I had to find another internet provider because XXXX XXXX would not finance a new router for me until old was paid, even with good credit and up to date payments. I got internet service with another provider and continued to make payments on a regular basis to XXXX XXXX. Then I had unexpected expenses such as two of my XXXX XXXX XXXX close together and having to pay cremation expenses for both even with discount from cremation service cost {$300.00}. in unexpected expenses. I'm XXXX  myself and have limited pension income, many bills to pay but good credit. XXXX XXXX never said I had to pay a certain amount by a due date, i just kept paying them with postal money orders. They sent me revised bills for amount due then stopped sending the bills, but I still send them payments with my XXXX XXXX acct. # on them. Then they I finally called and asked after no communication how much I still owed, they said it was with Harris & Harris collections-just gave me phone number for them. Called them but it was after their hours. I'm on XXXX XXXX XXXX XXXX. I figure I only owe about {$75.00}. now, but I never received a letter requesting payment from them and their recording said I needed an account reference number which i don't have. I never got a call or letter of notice of debt or email or anything. Then my XXXX credit monitoring emailed me to say a negative collection debt from Harris & Harris is on my credit report on XX/XX/XXXX. I put a complaint with XXXX in XXXX on their website regarding Harris/Harris on XX/XX/XXXX. I also disputed on the Harris/Harris website the debt, which I have never received from them any notification or contact about. I filled out the dispute on XX/XX/XXXX online, their office was closed at the time. They have put negative account information on my credit and I never ever got any letter or notice from them, I'm not even sure how much is still owed because XXXX XXXX  said once they ship account to collector, they have no info. All XXXX XXXX gave was a contact number that I couldn't get through to anyone on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have XXXX missed payment on my credit report that is inaccurate. The missed payment is on XX/XX/year> that is reporting negative on my credit report. It was disputed and investigated. It was as approved per my dispute to be updated to no missed payment and it still is showing XXXX missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXXXXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX XXXXXXXX * * * * Date Opened : XX/XX/XXXX Balance : {$3600.00} XXXX XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$6300.00} XXXX XXXX XXXX  XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$17000.00} XXXX XXXX  XXXX * * * * Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief