vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

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 2025-08-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Collection account balance should be XXXX and never late on auto loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank has chosen to arbitrarily remove features on Virtual account numbers. Previously I could use virtual account numbers to keep my information secure and control recurring charges to a specific, agreed upon amount by setting limits on up to XXXX different particular virtual account numbers, such as {$130.00} for a subscription, {$12.00} for a movie club etc etc. Now Citi has decided to limit virtual account numbers to XXXX, and arbitrarily choose limits for merchants like {$25.00}, {$50.00}, {$100.00}, {$300.00} or unlimited. This small choice in limits makes them virtually useless to protect privacy and online shopping.

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 2025-08-31 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:
My information might have been impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.

I been receiving emails, phone calls & text messages for over couple years & noticed some accounts on my credit report that i have not opened. I am a victim of FRAUD and its damaging my financial lifestyle.

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 2025-08-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Netspend Corporation
State: PA

Complaint narrative:
On XX/XX/XXXX, I opened a Netspend debit account through a promotional offer page that advertised a {$200.00} bonus. The terms stated : Receive a {$200.00} credit when you direct deposit {$400.00} in 60 days. The valid promotional period shown on the Netspend landing page was from XX/XX/XXXX, through XX/XX/XXXX. 

I funded the account with an initial deposit of {$10.00} on XX/XX/XXXX. On XX/XX/XXXX, I received a qualifying direct deposit from my employer in the amount of {$620.00} into the account, which satisfied the promotional requirements. The offer also stated that the {$200.00} bonus would be deposited within XXXX business days after requirements were met. 

When the bonus did not post, I contacted Netspend on XX/XX/XXXX, via secure message. They replied that they would escalate the issue and I would hear back within XXXX business days. I received no further communication within the XXXX business days so I followed up the morning on XX/XX/XXXX. Later that day Netspend responded that I was not eligible because they claimed the account needed to be opened between XX/XX/XXXX, and XX/XX/XXXX. 

This response conflicts with the terms that were clearly stated on the promotional sign-up page, which listed XX/XX/XXXX, through XX/XX/XXXX, as the valid promotional period. I replied with this clarification, but Netspend has not responded further and has not credited the {$200.00} bonus.

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 2025-08-31 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: NC

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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
State: OH

Complaint narrative:
PayPal had a delay due to a weekend outage, which then caused them to incorrectly identify their charge with my bank. My bank account then sent back that it was declined, as Non-Sufficent Funds, when the money was absolutely present in my account. It was a transaction of XXXX, which was deducted from my bank account, but they then claimed that very same charge put my PayPal balance in the negative. I added funds to get it back to even, by the took refunds I had from XXXX and refuse to do a reversal of the funding recieved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Hello, I've never been late for a payment nor have I ever missed a payment in my entire life, my credit score is around XXXX ( please see attached screen shot ), and I'm trying to rectify the unusual situation of having a " negative balance '' of {$160.00} in my PayPal account ; however, despite my best efforts PayPal is NOT allowing me to pay my bill ( please see below video link on XXXX for evidence ). 

Please understand that this is a very frustrating situation. I am doing everything I can to take care of this now, but I can not because PayPal 's website is broken. I have also called PayPal THREE times on Saturday, 8/30/25 and FOUR times on Sunday, XX/XX/year>. Among other issues, multiple PayPal agents have flat-out REFUSED to transfer the call to a supervisor at my request, demanding that I provide a phone number that I DO NOT HAVE ON FILE. Also, they can verify a PayPal account with the last four digits of a bank account or credit card on file, but multiple agents REFUSED to do that and instead hung up on me. One agent today ( Sunday, XX/XX/year> ) even transferred the call right in the middle of me speaking which was very unprofessional and very disrespectful. I was on the phone for more than 63 minutes with PayPal and was hung up on while on hold...

PayPal used to be one of the very BEST companies I had ever worked with ... but that was about 10+ years ago. Since that time, the company has gone completely off a cliff. We are at a point where I no longer have
any confidence in this company, which is terrible. It's critical to remember that it may take years- even decades- to build your brand equity... but it only takes moments to completely destroy your credibility.

Not sure who's running PayPal 's I.T. department, but it very much appears that they have no idea what they're doing...

Again, I am trying to pay the {$160.00} negative balance on my account, but PayPal WILL NOT ALLOW ME TO PAY THE AMOUNT, EVEN THOUGH I AM FOLLOWING THE INSTRUCTIONS RIGHT ON PAYPAL 'S WEBSITE. 

XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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:
I am submitting this complaint because the consumer reporting agency did not fulfill its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a comprehensive explanation of the reinvestigation process used to verify disputed information. I requested details including the name and contact information of the furnisher, the identity of the person contacted, and the documentation reviewed to confirm the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law, denying me the transparency and verification rights granted under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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: MI

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
I have some items on my credit report I dont know about. I am unaware of them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I have some items on my credit report I dont know about. I am unaware of them

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 2025-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
What happened : Rocket Mortgage mismanaged my escrow account from origination in XXXX through the transfer of servicing to XXXX XXXX in XX/XX/XXXX. 

At closing, Rockets own title company XXXX confirmed that the property carried a Principal Residence Exemption ( PRE ). I also signed a PRE affidavit. Despite this, XXXX projected non-PRE taxes and created inflated escrow projections. In XXXX, the XXXX XXXX XXXX XXXX XXXX confirmed that my PRE was properly applied, yet Rocket continued using inflated projections, carrying forward artificial shortages year after year.

Rockets letters to regulators contradict one another : To DIFS ( XX/XX/XXXX ), XXXX claimed We have thoroughly reviewed records and confirmed XXXX escrow calculations are accurate. To CFPB ( XX/XX/XXXX ), Rocket stated We have no record of the borrowers principal residence exemption ( PRE ) until XXXX. 

These statements are inconsistent with their own XXXX disclosures and disbursement history. Actual taxes paid were consistently much lower than Rockets projections, but XXXX never recalibrated escrow as required under RESPA. 

Further, Rocket executed two loan modifications with me ( XX/XX/XXXX and XX/XX/XXXX ) that brought the loan current by capitalizing arrears. Despite this, XXXX carried forward inflated escrow shortages, including a false escrow advance of {$19000.00} in XX/XX/XXXX, which was transferred to XXXX. XXXX is now attempting to collect over {$40000.00} in arrears that stem entirely from Rockets errors. 

The arrears and delinquency XXXX is enforcing are manufactured, not legitimate. I will attach a detailed memorandum outlining the PRE timeline, Rockets contradictory statements, and supporting exhibits for review. 

Requested relief : Correct my escrow history, remove the artificial arrears, delete negative credit reporting, and confirm my loan is current as of the XXXX modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: AL

Complaint narrative:
In XXXX XXXX I logged into XXXX website to review my credit with them and there was an offer to dispute collection items to verify validity. A letter was sent and I received notification that it was verified however I received no documents in the mail to verify any findings. I demand this item to be removed. Per consumer law I have the right to receive information, if requested, to validate any claim that money is owed to any debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I disputed account XXXX with XXXX. The dispute result returned as Unknown Unfortunately, we did not receive dispute results for this account. This means the furnisher did not verify the information within the 30-day FCRA time frame. 

Under the Fair Credit Reporting Act, unverifiable information must be deleted. Instead, XXXX continues to report this account as closed by credit grantor, which is inaccurate. I personally closed this account by phone, and Comenity should have records of the call. 

I request that this unverifiable and inaccurate account be immediately deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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 am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal 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 2025-08-31 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: TX

Complaint narrative:
I have sent multiple letters to the creditors disputing incorrect information to be deleted off my credit report. The companies are not doing a proper investigation which is against the law and I haven't received the correct documentations showing the investigation of signed contractors from the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I am unaware of this debt and did not have an opportunity to dispute this account. If you believe you sent proper notification please provide certificated mail with receipt with my signature if not, please delete this account as soon as possible from my credit report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: NCB Management Services Inc.
State: LA

Complaint narrative:
They repossessed my vehicle without first providing me with a required notice of default or right to cure, violating my states consumer protection laws. After repossession, I was never given a notice of sale or deficiency balance notice which are required under UCC 9-6-11 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed.The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the fair credit reporting act ( 15 U.S. code 1681s-2 ). 

I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: LA

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported unauthorized hard inquiries on my credit report that were not initiated or authorized by me. This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ), which prohibit reporting inquiries not initiated by the consumer unless specific conditions, such as prior written consent or a firm offer of credit, are met. I did not provide any written authorization for these inquiries, and their presence on my credit report is therefore unlawful. Additionally, the agency has failed to provide documentation or evidence of a permissible purpose for these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
Acima is a company affiliated with XXXX XXXX XXXX and XXXX XXXX XXXX. I wnt to XXXX XXXX XXXX  to get a couch and a table when I had the cash to pay for it but they dont take cash and so I had to give them my bank card. We'll I could never get there site to log me in I called and called for help but never recieved any. Do to being very busy it slipped my mind because I never heard from them and when I finally was looking at my bank statement I saw I was being charged XXXX a week for this furniture and I said he'll no I called them to just pay it off and the girl said I owed more than the furniture was before I started I said what and then I got into a discussion with the lady I had been paying that XXXX a week for a year and you are telling me I owe more than my contract. I told her I was not paying that come get it and she said we dont do that but you can take it to XXXX XXXX XXXX I told her I was not spending anymore of my time and money to do that. I payed it off that day and she took XXXX off when it comes to my credit which I try to work hard on this company they are XXXX and they do not explaine any of this to you the candy coat everything they tell you to trick you and then XXXX you.

Company response to consumer: Closed with explanation