vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> To : XXXX XXXX XXXX /Trans Union Subject : Dispute of Inaccurate Late Payment Reporting DEPT OF ED/XXXX Account Number : XXXX Dear XXXX/Trans Union, This letter serves as a formal dispute regarding inaccurate and unverifiable late payment reporting on my credit file for the student loan account with DEPT OF ED/XXXX, account number XXXX. 
This account currently reflects three 90-day late payments, even though the remarks state Payment deferred, and my TransUnion report shows XXXX late payments for this same account. I have previously disputed this matter on multiple occasionsXXXXXXXX XXXX XXXX, and XX/XX/XXXX, XXXXand I still have not received proper verification or documentation supporting the negative status of this account.

Per the Fair Credit Reporting Act ( FCRA ), any item listed on a consumers credit report must be accurate, complete, and verifiable. Reporting missed payments during a deferment period, when payments are not required, is misleading and violates the FCRA.

Accordingly, I am requesting : 1. Immediate deletion of the inaccurate late payments from this account ; 2. Full investigation documentation, including payment records, due dates, and evidence supporting any claim of delinquency ; 3. An updated copy of my credit report reflecting the corrected status of this account.

If the accounts negative payment history can not be fully verified, it must be removed. Continued failure to correct this matter may result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) or further legal action.

Please complete your investigation within the 30-day window required by law and confirm the outcome in writing. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
On * * Sunday, XX/XX/year>, at XXXX XXXX  * *, my PayPal account was suddenly and unjustly limited without prior warning, documentation requests, or any opportunity to verify my identity or billing information. The restriction occurred without any communication or due process on PayPals part.

Immediately after the limitation : * I submitted a * * valid government-issued ID * * through PayPals official document upload tool.

* I reviewed and confirmed that all billing and account information was correct * I sent multiple formal inquiries to PayPal requesting clarification of : * Which specific clause in their User Agreement I allegedly violated * * * What action or trigger led to the limitation * * * How I could resolve the issue or appeal the decision Despite these good faith efforts, I have received only generic responses, with no explanation, no reference to any policy violation, and no further steps provided. My funds remain inaccessible, and I have been denied the ability to use services or escalate the matter internally.

I believe this action by PayPal : * Violates * * EFTA * * protections around access to electronic financial services * May infringe on * * transparency rights * * under the * * GDPR * * ( if applicable ) *
Constitutes * * unfair restriction of personal financial assets * *, which is unlawful under both * * U.S. * * and * * XXXX  consumer protection law * * This lack of process, communication, and remedy is unacceptable from a regulated financial entity. I am requesting the CFPB to : * * * Investigate PayPals conduct * * * * * Ensure a clear explanation and release of funds * * * * * Require PayPal to offer a documented path for users facing limitations * * Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Emails and phone calls have been sent to me to settle a debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: NY

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. 

XXXX XXXX XXXX XXXX XXXX {$0.00} UNAUTHORIZED INQUIRIES : 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 2025-06-25 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> To : Equifax / XXXX XXXX Subject : Formal Dispute of Inaccurate Late Payment Reporting DEPT OF ED/XXXX  Account Number : XXXX Dear EquifaxXXXX XXXXXXXX, I am writing to formally dispute the inaccurate reporting of late payments on my student loan account with DEPT OF ED/XXXX, account number XXXX, currently appearing on my credit report.

This account is marked as Payment deferred, yet it is also showing three 90-day late payments. This is incorrect and inconsistent with my XXXX  report, which accurately shows XXXX late payments for the same account.

I have previously disputed this item on XX/XX/year>, and XX/XX/year>, but your response failed to provide any proof of the alleged delinquencies. Therefore, I am once again requesting the following, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) : 1. Written verification of the alleged late payments, including payment schedules, missed payment records, and any statements showing I was past due while the account was in deferment.

2. If such documentation can not be produced, I demand that the negative payment history be deleted from my credit report.

3. Please send me a written response and an updated copy of my credit report reflecting any corrections.

Reporting missed payments during an official deferment periodwhen no payments were dueis not only inaccurate but also damaging to my creditworthiness and a violation of the FCRA. If this matter is not corrected, I will consider escalating the issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking other appropriate remedies.

Please complete your investigation within the 30-day timeframe as required by federal law and notify me in writing of the outcome. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2025 To : XXXX XXXX XXXXXXXXTrans Union Subject : Formal Dispute of Inaccurate Late Payment Reporting DEPT OF ED/XXXX  Account Number : XXXX Dear XXXX/Trans Union, I am writing to formally dispute the inaccurate reporting of late payments on my student loan account with DEPT OF ED/XXXX, account number XXXX, currently appearing on my credit report.

This account is marked as Payment deferred, yet it is also showing three 90-day late payments. This is incorrect and inconsistent with my TransUnion report, which accurately shows XXXX  late payments for the same account. 
I have previously disputed this item on XX/XX/2025, and XX/XX/2025, but your response failed to provide any proof of the alleged delinquencies. Therefore, I am once again requesting the following, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) : 1. Written verification of the alleged late payments, including payment schedules, missed payment records, and any statements showing I was past due while the account was in deferment.

2. If such documentation can not be produced, I demand that the negative payment history be deleted from my credit report.

3. Please send me a written response and an updated copy of my credit report reflecting any corrections.

Reporting missed payments during an official deferment periodwhen no payments were dueis not only inaccurate but also damaging to my creditworthiness and a violation of the FCRA. If this matter is not corrected, I will consider escalating the issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking other appropriate remedies.

Please complete your investigation within the 30-day timeframe as required by federal law and notify me in writing of the outcome. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: NY

Complaint narrative:
I, XXXX XXXX XXXX, am personally disputing false information on my credit reportno one else is involved. 
These errors are blocking my ability to buy a home, and despite my patience, no corrective steps have been taken. 
This situation is impacting my life and future plans. I urge you to review the attached documents and resolve the issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NY

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. 

XXXX XXXX XXXX XXXX XXXX {$0.00} UNAUTHORIZED INQUIRIES : 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 explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: AZ

Complaint narrative:
On XX/XX/XXXX US Bank closed my checking account without telling me why and will not give me my $ XXXX money for my mortgage/utilities/food/gas. They will not tell me why they did this other than " suspicious activity '' in my account. I told them I need the money for me and my wife to live on and they don't care and will not tell me what the " suspicious activity '' was. Today ( XX/XX/year> ) I find out they are holding my money till XX/XX/XXXX!! 

As a former Federal employee I need your help desperately to get my money.

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 2025-06-25 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: MD

Complaint narrative:
Im XXXX XXXX XXXX, and Im personally filing this complaintthere is no third party involved. Im trying to buy a home, but incorrect and unauthorized information on my credit report is blocking my progress.

Under 15 U.S. Code 1681b, I never gave written consent, so reporting this is a rights violation and considered fraudulent.

This has delayed both my home and business plans. Please take urgent steps to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: AZ

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-06-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To : [ Equifax / XXXX XXXX XXXX choose one or all ] [ Insert credit bureau address ] Subject : Dispute of Inaccurate Charge-Off Reporting XXXX XXXX Account Number : XXXX Dear [ Credit Bureau Name ] , I am writing to formally dispute the inaccurate charge-off status reported on my credit file for the XXXX XXXX account listed above. This account is currently listed as charged off with a balance of {$370.00}, despite the past due amount showing {$0.00} and no valid verification of the charged-off status being provided.

I previously disputed this account on XX/XX/XXXX, and XX/XX/XXXX, requesting full documentation to validate the negative information. To date, I have not received acceptable proof of the charge-off or an accurate breakdown of the balance. Therefore, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to demand that : You furnish documentation verifying the charge-off status, including : A copy of the original signed credit agreement, A full payment history, Evidence supporting the reported charge-off and balance ; If this documentation can not be produced, I request the deletion of this account from my credit file or the immediate correction of the status to reflect a {$0.00} balance with no charge-off ; Please provide a written explanation of the results of your reinvestigation and an updated copy of my credit report.

Reporting a charged-off account with no balance due, and without proper validation, is misleading and violates the FCRA. If this matter is not resolved appropriately, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and explore additional remedies.

Please respond within the 30-day period required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To : [ XXXX XXXX XXXX  XXXX TransUnion choose one or all ] [ Insert credit bureau address ] Subject : Dispute of Inaccurate Charge-Off Reporting XXXX XXXX Account Number : XXXX Dear [ Credit Bureau Name ] , I am writing to formally dispute the inaccurate charge-off status reported on my credit file for the XXXX XXXX account listed above. This account is currently listed as charged off with a balance of {$370.00}, despite the past due amount showing {$0.00} and no valid verification of the charged-off status being provided. 

I previously disputed this account on XX/XX/XXXX, and XX/XX/XXXX, requesting full documentation to validate the negative information. To date, I have not received acceptable proof of the charge-off or an accurate breakdown of the balance. Therefore, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to demand that : You furnish documentation verifying the charge-off status, including : A copy of the original signed credit agreement, A full payment history, Evidence supporting the reported charge-off and balance ; If this documentation can not be produced, I request the deletion of this account from my credit file or the immediate correction of the status to reflect a {$0.00} balance with no charge-off ; Please provide a written explanation of the results of your reinvestigation and an updated copy of my credit report.

Reporting a charged-off account with no balance due, and without proper validation, is misleading and violates the FCRA. If this matter is not resolved appropriately, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and explore additional remedies.

Please respond within the 30-day period required by law. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation