vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 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: CA

Complaint narrative:
I, XXXX XXXX XXXX, am filing this complaint regarding the continued inaccurate and incomplete reporting of both account and personal information on my credit report. Despite submitting disputes both directly to the debt collector and through the credit reporting agency more than 35 days ago, no corrective action has been taken. 

Violations of Federal Law The furnisher of the disputed account is in violation of : 15 U.S.C. 1681s2 ( a ) ( 3 ) Failure to report an account as disputed after being notified of a consumer dispute.

15 U.S.C. 1692e ( 8 ) Communicating disputed credit information to a credit bureau without disclosing that the item is being disputed. 

This failure to comply with federal obligations not only misleads potential creditors and employers but also causes ongoing harm to my credit standing and personal reputation. 

Disputed Account and Inaccurate Personal Information Charge Off Creditor XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Incorrect Current Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XX/XX/XXXX ) Incorrect Previous Addresses XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XX/XX/XXXX XXXX Duplicate : XXXX XXXX XXXX XXXX, CA XXXX ( XX/XX/XXXX XXXX Duplicate XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XX/XX/XXXX ) Incorrect Employers XXXX XXXX XXXX XXXX XXXX Supporting Documentation Provided A copy of my original dispute submission. 

A recent copy of my credit report clearly showing the account is still not marked as " disputed. '' Requested Action I am requesting that the CFPB assist in ensuring : Immediate correction or removal of the disputed XXXX XXXX charge-off account from my credit file ; Removal of all inaccurate and outdated personal information, including addresses and employer data ; Compliance with FCRA and FDCPA requirements regarding accurate dispute notation ; Full accountability for willful or negligent noncompliance under 15 U.S.C. 1681n and 15 U.S.C. 1692k.

Other Regulatory Reports Filed I am also submitting complaints to the following agencies : Federal Trade Commission ( FTC ) State Attorney Generals Office XXXX XXXX XXXX XXXX XXXX XXXX This dispute is being submitted directly by me, XXXX XXXX XXXX, and is not made through any third party. I respectfully request that this complaint be investigated and resolved promptly and in full accordance with federal consumer protection laws. 

Sincerely, 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 explanation
Consumer complaint received 2025-06-07 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: CT

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX have been continuously harrassing me about a XXXX Funding account that I have no association with. In turn, these scum bags decided to put a egrigiously erroneous and fabricated " collections '' account on my credit report defamating my financial integrity. Yet Tran Union and Experian REFUSED to remove such an egrigiously erroneous and fabricated " collections '' account stating it was " verified '' yet XXXX  removed the fraudulent account immediately! Let it be crystal clear, I DO NOT HAVE NOR EVER HAD ANY ASSOCIATION WITH A XXXX! Therefore, not only does this account need to be deleted from my credit report, all parties involved, need to abide by the law. If my Consultant gets involved he will rip anyone an new XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ''. Challenging him would NOT be a wise decision! Other " interested '' parties are monitoring the outcome of this case and will take the proper actions needed accordingly to put all associated companies in check.

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 2025-06-07 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: PA

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 XXXX XXXX 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 2025-06-07 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: IN

Complaint narrative:
Let me be absolutely clear : this complaint is not submitted in error. My credit report includes inaccurate information that fails to meet the legally required standard of maximum possible accuracy. These reporting errors are causing substantial and ongoing harm to my financial stability and personal well-being. This is unacceptable. The burden placed on me by this situation, especially during an already challenging time, is unjust and must be addressed without further delay.

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 2025-06-07 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: AL

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 my credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On or about XXXX XXXXXXXX  I called Experian Credit Bureau about fraudulent information on my current consumer report. This information is being reported on my consumer report fraudulently where there was no offer or transaction with such companies. I asked that this information be removed immediately per FCRA 605b ( 15 U.S.C. 1681c-2 ) and 15 USC 1681b . the information in question is as follows : 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 explanation
Consumer complaint received 2025-06-07 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:
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 XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against NATIONAL RECOVERY AGEN regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with NATIONAL RECOVERY AGEN buttonoavail.

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 2025-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CMG Financial Services, Inc.
State: WA

Complaint narrative:
The majority of the phone calls with this company we have been given false information regarding our account. I am requesting records of these phone calls and documentation. They denied to give me any documentation on XX/XX/year> and XX/XX/year> as well. They denied to give me a supervisor or management teams direct contact information. My fianc called earlier today and they denied documentation. 
I am concerned they keep using deceptive practices on the phone and we were coerced to apply to a loss mitigation loan repayment plan for hardship even though the XXXX knew we were not eligible. This has cost us almost the foreclosure of our house. They ommitted information on full payments to try and make us more than 45 days late by omitting a XXXX from the balance after we had confirmed on the phone that payment was all caught up. 
I am writing a letter with more specifics. Please someone help us this Mortgage company is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
In early XXXX, I verbally agreed to hire a tax professional for IRS representation services to help with an Offer in Compromise. He requested {$30000.00}, which I paid via PayPal on XX/XX/XXXX. There was no written contractonly verbal discussions and limited email communication. The invoice noted " XXXX XXXX XXXX. '' Shortly after payment, the seller requested an additional {$15000.00} personal loan, which raised serious concerns. I terminated the relationship and received an email confirmation in which he agreed to refund the full {$30000.00} in six monthly installments of {$5000.00} starting XX/XX/XXXX, because he stated the funds had already been spent. 

Before the refund plan began, I contacted my bank and successfully initiated a stop payment. I also notified the seller that a payment plan was no longer necessary. Despite this, PayPal still processed the transaction and placed a {$30000.00} negative balance on my account, so I disputed the transaction. I informed the seller that if the dispute failed, we might have to revisit the refund plan. 

On XX/XX/XXXX, I filed a case with PayPal and escalated it. I submitted the refund agreement email, screenshots of our communication, a timeline of events, and an invoice for the only legitimate service ( a tax filing billed separately at {$410.00}, which was already paid ). 

Despite this, both claims were denied. PayPal agents told me that the seller submitted no valid evidence of services rendered. However, PayPal still ruled in his favor and left me with the full debt. I also have a screenshot from PayPals system that says if a seller fails to provide proof of services, the case should be resolved in the buyers favor. 

On XX/XX/XXXX, I appealed the decision after speaking with a PayPal agent. The agent stated the case was denied because it involved a financial service. However, what I purchased was not a financial service. A financial service typically involves money transmission, investment advice, loans, insurance products, or banking activities regulated by financial institutions. What I paid for was tax representationsimilar to hiring an attorney or consultant for government paperworknot a regulated financial product or instrument. 

Even after the appeal, the case was still closed in his favor, and I received no communication from the seller after XX/XX/XXXX, despite repeated outreach attempts to discuss a refund. 

Because of this, I have filed a police report and am now requesting CFPB review and intervention. I believe I was defrauded and that PayPal ignored its own stated dispute policy and agent confirmations. Despite providing clear and documented evidence, I was assigned a {$30000.00} debt while the seller kept the funds and performed no service. 

I am requesting that the {$30000.00} debt be removed from my PayPal account and that PayPals handling of this matter be formally reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: LA

Complaint narrative:
So basically Chime randomly closed my account I still had money in my account. 

There not trying to reopen it. 

I filed several complaints, called the customer service like over 47 times and they still refuse to open my account back up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: UT

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by Experian Information Solutions Inc . Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : XXXX. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from 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 that remain unverified despite formal disputes, causing significant harm to my XXXX XXXX and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 

XXXX. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like XXXX, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 
XXXX. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. Experian Information Solutions Inc . 
has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer.

4. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

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 2025-06-07 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: GA

Complaint narrative:
I am submitting this complaint because an auto loan account from XXXX XXXX XXXX is inaccurately reported on my credit report as a charge-off/profit and loss write-off, and I believe this reporting violates the Fair Credit Reporting Act ( FCRA ). 

Account Info : Creditor : XXXX Account Number : XXXX Type : Auto Loan Issue : Charge-off reported as " profit and loss write-off '' According to 15 U.S. Code 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy. Additionally, under 1681i ( a ), I have the right to a reinvestigation of any disputed item. I submitted a dispute requesting verification of the account, including proper documentation showing when and why the account was charged off, and whether it was sold, settled, or transferred. I did not receive a valid response or full documentation from the creditor. 

Further, under 1681s-2 ( b ), furnishers of credit information are required to investigate and correct any inaccurate or incomplete information after being notified of a dispute. Despite this, the account continues to be reported inaccurately. 

I am requesting the CFPB to assist in investigating the following : Whether the creditor has documentation to support the charge-off and classification as a profit and loss write-off. 
Whether this charge-off was sold or settled and should no longer reflect a balance. 
Whether any post-charge-off interest or balance reporting violates FCRA accuracy standards. 
That this account be corrected or removed entirely if it can not be 100 % verified with proper records. 
This negative item is causing harm to my credit profile, and I am seeking assistance in having it removed or corrected per my rights under the FCRA. 

Thank you for your help in resolving this issue.

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 2025-06-07 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: GA

Complaint narrative:
I am submitting this complaint because an auto loan account from XXXX XXXX XXXX is inaccurately reported on my credit report as a charge-off/profit and loss write-off, and I believe this reporting violates the Fair Credit Reporting Act ( FCRA ). 

Account Info : Creditor : XXXX Account Number : XXXX Type : Auto Loan Issue : Charge-off reported as " profit and loss write-off '' According to 15 U.S. Code 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy. Additionally, under 1681i ( a ), I have the right to a reinvestigation of any disputed item. I submitted a dispute requesting verification of the account, including proper documentation showing when and why the account was charged off, and whether it was sold, settled, or transferred. I did not receive a valid response or full documentation from the creditor. 

Further, under 1681s-2 ( b ), furnishers of credit information are required to investigate and correct any inaccurate or incomplete information after being notified of a dispute. Despite this, the account continues to be reported inaccurately. 

I am requesting the CFPB to assist in investigating the following : Whether the creditor has documentation to support the charge-off and classification as a profit and loss write-off. 
Whether this charge-off was sold or settled and should no longer reflect a balance. 
Whether any post-charge-off interest or balance reporting violates FCRA accuracy standards. 
That this account be corrected or removed entirely if it can not be 100 % verified with proper records. 
This negative item is causing harm to my credit profile, and I am seeking assistance in having it removed or corrected per my rights under the FCRA. 

Thank you for your help in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
i applied for a credit card about a year ago and after i was denied they still monitor my credit ststus and my credit score and i dont have an account open with them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: CA

Complaint narrative:
I've never heard.of this agency. They do not have permission to contact.me by email. I do not owe this bill. I've never given permission to take.money out of any bank account or credit card. I tried to contact via online email but was unsuccessful because in order to send my email i was prompted to check a box to give permission to recieve emails. I clearly do not give permission.

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 2025-06-07 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: MA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation