vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: VA

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 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 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
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 2025-05-13 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: MD

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 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HOME BANCSHARES, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to file a formal complaint against Centennial Bank, located in XXXX, Arkansas, for what I believe was discriminatory treatment based on my race. 

In or around XXXX or XX/XX/XXXX, I deposited my legitimate federal tax refund check into my account at Centennial Bank. Despite the check being authentic, the bank refused to cash it or give me access to the funds. They claimed the check looked suspicious and ultimately returned it to the IRS, denying me access to my own money. 

I strongly believe this decision was racially motivated. I am a XXXX woman, and I felt that I was being singled out and treated unfairly due to the color of my skin. I was not given a reasonable explanation or offered a way to verify the check. Ins

tead, I was made to feel ashamed and humiliated. I have seen people of other races receive very different treatment in similar banking situations. I believe the banks actions violated my civil rights and may fall under unlawful racial discrimination as defined in the Equal Credit Opportunity Act ( ECOA ) and Title VI of the Civil Rights Act of 1964. Their actions also caused me serious emotional distress and financial hardship by delaying access to my tax refund. I respectfully request that this situation be investigated. I am available to provide further documentation, including de
tails about the check, the date of the deposit attempt, the bank branch location, and any receipts or communications I received. 

Please contact me at ( XXXX ) XXXX or XXXX if you require any further information. 

Thank you for your time and 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 explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: First National Collection Bureau, Inc.
State: TN

Complaint narrative:
I have voicemails 3 days in a row ( automated ) Connected with a live representative who may better assist you again please return our call at your earliest convenience thank you and have a wonderful day XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX a text message that I responded STOP to I do not owe a debt and this is not XXXX first phone! They need to stop trying to collect money that is not owed! Send paper work with our signatures! Otherwise, I am contacting an attorney after this! Attached will be screen shots of calls and text! XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
Re : Complaint ID XXXX This letter is submitted in continuation of my ongoing complaint regarding Experians failure to delete an inaccurate collection account reported by XXXX XXXX XXXX. I am formally requesting the CFPBs immediate intervention to compel Experian to remove this account, as it is falsely associated with me and is causing unjust harm to my credit file and financial well-being. 

Summary of the Dispute Experian is reporting a collection account from XXXX XXXX XXXX that is connected to the address : XXXX XXXX XXXX XXXX XXXX FL XXXX I have never lived at this address, never signed a lease there, never received services there, and never had any financial obligation associated with it. The debt is the result of mistaken identity or inaccurate data reporting, and Experian has failed to properly investigate or remove the account despite multiple disputes and overwhelming evidence in my favor. 

Supporting Evidence Submitted To prove that this account does not belong to me, I have submitted the following exhibits : Exhibit XXXX XXXX XXXX XXXX XXXX XXXX utility bill ( XX/XX/XXXX ) showing my residence at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL. 

Exhibit XXXX XXXX FL Dept. of Law Enforcement expungement form XXXX XXXX XXXX listing my residence as XXXX XXXX XXXX, XXXX XXXX, FL. 

Exhibit XXXX XXXX XXXX XXXX XXXX court filing showing XXXX XXXX XXXX resided at XXXXXXXX XXXX XXXX XXXX 

Exhibit XXXX XXXX XXXX XXXXXX/XX/XXXX traffic citation issued to XXXX at that address. 

Exhibit XXXX : XX/XX/XXXX signed court letter from XXXX confirming his residency at XXXX XXXX XXXX XXXX. 

Exhibit XXXX XXXX Final account statement from XXXX XXXX XXXX XXXXXXXX, addressed to XXXX XXXX, not me, showing he was the responsible party for the {$7400.00} balance. 

Violations by Experian FCRA 1681e ( b ) : Experian has failed to maintain reasonable procedures to ensure maximum possible accuracy.

FCRA 1681i : Experian did not conduct a reasonable reinvestigation upon receiving my disputes and documentation.

FCRA 605 ( c ) : The debt appears to have been re-aged to reflect a XXXX delinquency date despite originating in XXXX. 

Experian continues to report this collection account even though no legally binding or verifiable connection to me exists. I am not the legal debtor, and this account is clearly the result of incorrect data.

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 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Resurgent Capital services XX/XX/year> sent in paperwork that was notarized saying that this is not my bedtime I'm a victim of identity Theft the amount is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
This complaint is to inform you of an inaccurate and damaging late payment reported by XXXX XXXXXXXX XXXX on my Experian credit report. 

I am requesting an immediate investigation into this error, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). I have reviewed my records and found no delinquency on this account. This false reporting is currently preventing me from renting a home and maintaining basic living conditions.

This is a serious issue that must be resolved without delay. I demand that this entry be permanently removed from my Experian credit report if it can not be fully verified with official documentation. It has been over 30 days and must be removed from my credit profile.

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 2025-05-13 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: NC

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Account XXXX XXXX XXXX XXXX XXXXXXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NE

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 2025-05-13 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: NE

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 non-monetary relief
Consumer complaint received 2025-05-13 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: 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 2025-05-13 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: NE

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: NC

Complaint narrative:
Please delete this unauthorized account from my credit report, as it is not associated with me. I also request a prompt investigation to identify and correct any other errors.

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 2025-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
Credit Acceptance has been double charging late fees in one month, interest rate is sky high, I was taken advantage of due to me being a female and just coming out of bankruptcy. This vehicle has been I. Repossessed I had to pay {$800.00} to get it back and then on an every two payment plan balance has not gone down it is rising. It is showing on bureau reports late payments of 180 days this is hurting my credit and Im trying to buy a home or even get out of this vehicle

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 2025-05-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report shows multiple inquiries from companies I did not authorize, and applications were submitted in my name without my knowledge. These are fraudulent and unauthorized. I previously contacted Equifax, and a representative assured me these inquiries would be removed. However, they remain on my report, continuing to cause unnecessary stress and concern. I demand immediate action to investigate and permanently delete these unauthorized entries from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection at Law, Inc. A.P.C.
State: CA

Complaint narrative:
Collection at Law has been trying to collect a debt that XXXX XXXX charged off. XXXX XXXX has already received payment on on the debt XX/XX/XXXX. Today ( XX/XX/XXXX ) I received a letter stating that they have put a lien on my property. This is unacceptable, as we are in the middle of selling the home and our close of escrow is XX/XX/XXXX. This company has no basis to put a lien on my property, and it has not been court ordered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: WY

Complaint narrative:
On XX/XX/year>, PayPal requested additional information regarding several recent transactions on my business account. I promptly responded with all requested details, including descriptions of the transactions, customer names, and relevant documentation showing that the transactions were legitimate and tied to services I provide. 

Despite my full cooperation, on XX/XX/year>, PayPal permanently limited ( disabled ) my business account without providing any explanation or justification. I only received a generic notice stating that the account was permanently limited and that I could no longer use PayPal services. 

There were no funds in my PayPal account at the time of the limitation. However, this action has had a serious impact on my business, as I rely on PayPal to receive payments from customers. It is a fast, convenient, and widely trusted payment gateway that my competitors also use. Losing access to it puts me at a significant disadvantage and disrupts my ability to operate efficiently.

Company response to consumer: Closed with explanation