vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PACIFIC PREMIER BANCORP, INC.
State: FL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX regarding inaccurate and unlawful credit reporting on my account ending in XXXX. 

My XXXX  credit report shows that XXXX XXXX has reported monthly delinquency codes from XXXX through XXXX. This is not possible, as the account was closed and charged off in XXXX, and my last payment was made on XX/XX/XXXX. There has been no activity since that date. A charged-off account can not generate new late payments after the Date of First Delinquency. This appears to be illegal re-aging and violates FCRA 623 ( a ) ( 5 ) and 605 ( a ). 

XXXX is also reporting a balance of {$880.00}, a past-due amount of {$880.00}, and both a scheduled and actual payment of {$880.00} for multiple years. This is factually impossible because no payments have been made since XXXX. This violates FCRA 607 ( b ) and the furnishers duty to correct inaccurate information under FCRA 623 ( a ) ( 2 ). 

I received two letters from XXXX XXXX dated XX/XX/XXXX. One letter states that they can not change information that has been reported accurately, even though the information is not accurate. The second letter confirms a settlement amount of {$440.00} and states the account will be reported as charged off and paid in full for less than the full balance. This settlement amount contradicts the {$880.00} balance and past-due amounts being furnished to XXXX. These two letters contradict each other and directly conflict with what is being reported on my credit file. 

The combination of the false delinquency history, the incorrect balance and past-due amounts, the inaccurate payment history, and the contradictory letters from XXXX XXXX shows that the account is not being reported in compliance with the Fair Credit Reporting Act. 

I am requesting that the CFPB require XXXX and XXXX XXXX to conduct a lawful reinvestigation and correct all inaccurate information. This includes removing all delinquency codes reported after the charge-off date, correcting the balance and past-due amounts to reflect the true historical data, and applying the correct Date of First Delinquency from XXXX. If the furnisher can not provide legally valid proof to support the reporting, I request that the entire tradeline be deleted from my credit file in accordance with FCRA 611. 

Thank you for your assistance.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Atlantic Recovery Solutions LLC
State: NY

Complaint narrative:
So about a year ago I stupidly purchased XXXX  which is my fault i know. Life got in the way and I was unable to make payments. XXXX contacted me by phone MONTHS ago regarding it and stating I could set up a payment plan. They told me to make an account with a link and so on and so forth.. So I attempted to make an account but I kept getting told my reference number was incorrect. I let them know I got this and crickets. No answer nothing. They ghosted me for MONTHS. Until a couple weeks ago. I told them Id be willing to negotiate a payment plan again and crickets again. They also call me about 100 times it feels like every single day with a different number each time. Come to yesterday XX/XX/year>. I actually was able to answer the phone because I wasnt busy at work. The lady on the phone proceeded the threaten me and tell me there was no negotiations and i needed to pay everything right then and there or i was going to be sued and such. she was very rude and unprofessional. this is my first time having debt sent to collections so i had many questions as to which she refused to answer. she got very very rude towards the end of the conversation so i hung up on her because i feel as though if something is going to get solved correctly it also needs to be done professionally. I then gave it a second chance and called back hoping to get someone else. i got someone else and got hung up on. so i called back because rude. i thankfully got to talk to someone else that was much pleasant. but he was very hesitant about getting my payment information over the phone. i stated i wasnt really comfortable with it. went from there gave him my info and what not. i did more research and found a different link where i could make an account. so i called back because i wanted to know if i could make my payments online. and the woman refused to give me any information and told me i was allowed information regarding my account anymore which i found absurd. this is my first time with debt and i do want to pay it off or solve it. but i am just uncomfortable with the way i am approached. The company is Atlantic Recovery Solutions.

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 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MN

Complaint narrative:
Hello, I am reporting several unauthorized transactions on my XXXX account dated XX/XX/year>. These transfers were not made or approved by me, and my account appears to have been accessed by someone else. 

The fraudulent transactions are listed below : Ref # XXXX {$10.00} sent to XXXX XXXX Ref # XXXX {$890.00} sent to XXXX XXXX XXXX XXXX XXXX, account ending in XXXX ) Ref # XXXX {$890.00} sent to XXXX XXXX XXXX XXXX XXXX, account ending in XXXX ) Ref # XXXX {$890.00} sent to XXXX XXXX XXXX XXXX XXXX, account ending in XXXX ) I did not authorize any of these transfers, and I do not know the recipients. Please open a formal fraud investigation, secure my account, and let me know the next steps for recovering these funds. 

I can provide any additional details if needed. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DMB Financial, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX, I made an agreement over the phone with XXXX XXXX, a company in XXXX, where they were helping me with my debts. I signed a XXXX contract paying {$960.00}. Their promise was to help me with my credit. They started collecting payments on XX/XX/XXXX, and agreed to call me every month to update me on their progress. A month passed and they didn't call. I tried calling them, but it was very difficult to get through because they have few staff members who speak XXXX. However, they did deduct the payments without fail. It was really difficult to communicate with them. Since communication was impossible, I decided to check my situation on the XXXX XXXX website. There, I could see the monthly payments and the agreements. In XX/XX/XXXX, I received a call from XXXX XXXX, who told me, in a strange way, that they had to pay for another XXXX or XXXX  months. I replied that it was their problem, not mine, and that my problem was paying them. XXXX payments. He told me that because I missed a payment for XXXX month, the creditors were charging more. He asked if I could give him permission to extend the payment period by XXXX months. Not really understanding, since I was driving home, I told him I'd pay whatever it was with what I was already paying. That was the end of the discussion. In my opinion, with the XXXX payments I was making, he would pay what the creditors agreed to. XXXX day in XX/XX/XXXX, I logged into the portal to check my progress and almost had a XXXX XXXX when I saw that the program was ending in XXXX and not in XX/XX/XXXX as planned. I called them immediately and insisted many times until I finally got through after XXXX hours. XXXX XXXX answered and told me that my debt had increased because I kept using the XXXX XXXX card and that the debt had been {$5000.00}, but I had taken it up to {$8000.00}. I realized he was wrong and asked him who was in charge of my case. He replied that it was XXXX XXXX. I asked to speak with him, and he said he was busy. XXXX days passed with me calling to speak with XXXX, and XXXX always answered. Annoyed, I told him to tell XXXX to face me and clarify this abuse. I insisted so many times on speaking with XXXX until he finally answered, very kindly and sweetly, saying he saw me as his mother. He managed to get the program extended until XXXX in a meeting, telling me not to worry, it was only XXXX more months. I told him I needed him to email me the amount I had paid so far that was owed to the creditors, and why the program didn't end in XXXX. He said he would send it to me, but the information he sent was incorrect. Since then, I've tried to contact him, but it's been impossible. Only XXXX XXXX. I've emailed XXXX countless times, and he hasn't responded once. 




Sent from my XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-26 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: IL

Complaint narrative:
I am writing to dispute inaccurate information related to a vehicle repossession on my credit report. I am requesting an investigation into the following account pursuant to the Fair Credit Reporting Act ( FCRA ). Please investigate the following account : XXXX XXXX XXXX ( Account # XXXX ) : The details of this repossession are inaccurate. My credit report shows conflicting remarks and inconsistent reporting of the balance, dates, and status of this account. Please verify all aspects of this account with the original creditor. The information is inaccurate and unfairly harms my creditworthiness. Please conduct a reasonable investigation and correct or delete this item as required by law. Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: IL

Complaint narrative:
I am writing to dispute inaccurate information related to a vehicle repossession on my credit report. I am requesting an investigation into the following account pursuant to the Fair Credit Reporting Act ( FCRA ). Please investigate the following account : XXXX XXXX XXXX ( Account # XXXX ) : The details of this repossession are inaccurate. My credit report shows conflicting remarks and inconsistent reporting of the balance, dates, and status of this account. Please verify all aspects of this account with the original creditor. The information is inaccurate and unfairly harms my creditworthiness. Please conduct a reasonable investigation and correct or delete this item as required by law. Thank you for your time and 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 2025-11-26 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: LA

Complaint narrative:
I am disputing two collection accounts reporting on my Experian credit reportXXXX XXXX XXXX and XXXX XXXX XXXXbecause the information appears inaccurate and unverifiable. I requested verification of both accounts and asked Experian to provide documentation from the furnishers showing how these accounts were validated under FCRA 602, 607 ( b ), and 611. 

For XXXX XXXX, Experian did not provide any documentation, no method of verification, and no proof from the furnisher. The furnisher has previously reported inconsistent information across different bureaus, which raises concern about the accuracy of this account. Despite my verification requests, Experian continues reporting the account without providing any supporting documentation from XXXX. 

Similarly, for XXXX XXXX XXXX, Experian did not provide any verification, no contract, no proof of debt, no itemization, and no documentation from the furnisher showing how this collection was validated. Like XXXX, XXXX XXXX has reported inconsistent information to other credit bureaus, which further raises concerns about accuracy and compliance with the FCRA. 

Because Experian is reporting BOTH of these collection accounts without supplying any actual verification or supporting documentation from the furnishers, I believe these accounts are being reported inaccurately and without proper reinvestigation as required by the FCRA. I am requesting CFPB assistance to ensure Experian obtains legitimate documentation to verify each account or deletes the accounts entirely if they can not be properly verified.

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 2025-11-26 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: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-11-26 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: IN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: NV

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

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

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

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

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

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

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

Company 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 2025-11-26 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: PA

Complaint narrative:
This is a second and final notice. I'm reaching out again regarding fraudulent accounts and unauthorized inquiries being reported under my name. Let me be clear : I am the consumer, and I am writing this letter personally. There is no third party involved. So please do not send me another stall letter or generic response that approach is unacceptable and shows disregard for both federal law and consumer rights. 
This matter has already been raised and documented, yet these inaccurate and fraudulent entries remain on my credit file. This is not just a reporting error it's a serious identity theft issue, and your inaction is now bordering on willful non-compliance. 
Violations of Federal Law and Consumer Rights : 15 U.S.C. 1681b ( c ) Unauthorized Inquiries You are not allowed to furnish credit reports for transactions I didnt authorize. The inquiries listed below were not initiated by me and must be deleted.

15 U.S.C. 1681c2 Block of Information Resulting from Identity Theft You are required to block fraudulent information within 4 business days of receiving proper documentation. Ive already provided you with everything necessary including my FTC Identity Theft Report, government-issued ID, Social Security card , and proof of address.

18 U.S.C. 1028A Aggravated Identity Theft Continued reporting of identity theft-related entries makes you complicit in the damage being done. If you fail to block this information, you allow criminal activity to persist and knowingly hurt my financial reputation.

15 U.S.C. 1681i ( a ) Failure to Reinvestigate If you do not reinvestigate or verify the entries within the time permitted by law, and can not produce legitimate records showing my authorization, you are obligated to permanently remove them. 
Fraudulent Accounts and Inquiries ( Previously Disputed ) : 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

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 2025-11-26 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: IL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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