vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
I purchased from XXXX using Affirm. I returned the items XXXX  affirm paid me back for them. There should not be a late payment or any payment. 

I was never late on the paid-off account referenced above. Please provide documentation or proof of the reported late payment that supports this inaccurate entry on my credit report. If you are unable XXXX  provide such evidence, I respectfully request that the late payment be removed from my XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), you are required XXXX  investigate XXXX  correct any inaccuracies within XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Synchrony Bank online account portal to make payments has been down for WEEKS! The number they provide to make payments is useless and it is VERY difficult to get to a live person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The bankruptcies listed on my credit report are not correct and was not filed by me or anyone representing me. This is an obvious error and needs to be removed from my credit profile/report. I am showing XXXX XXXX Bankruptcy Reference # XXXX filed on XX/XX/XXXX and XXXX XXXX  Bankruptcy Reference # XXXX filed on XX/XX/XXXX. Boths show XXXX BKPT 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 2025-05-30 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: Upstart Holdings, Inc.
State: NJ

Complaint narrative:
XXXX XXXX do not have standing for debt and can not provide any validation for debt but has illegally put items on my credit report. I have reached out to you to have said info removed. I have also sued XXXX XXXX for fraud and deception. I want all information from XXXX removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) XXXX  XXXX ( a ) ( XXXX ) require the XXXX credit bureaus XXXX  validate these accounts ( A ). It is not permissible XXXX  fail XXXX  validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs XXXX  be investigated and corrected : THD/CBNA XXXX * * * * Balance : {$79.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION
State: NH

Complaint narrative:
In error, I sent funds to a XXXXXXXX XXXX which had been closed. Funds sent to closed accounts are immediately rejected and returned. Xoom would not let me cancel, ( attempted within 30 mins of transfer ) nor will they refund me or investigate. 
Sent date : XX/XX/XXXX Amount : {$140.00} Actions to resolve : I have made multiple phone calls and sent multiple emails. The response is always the same, " transaction is complete ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX very frustrated XXXX  see an unauthorized credit inquiry show up unexpectedly on my report this morning. I double-checked by refreshing the browser, thinking maybe it was a glitchbut unfortunately, it wasnt. This situation is extremely unsettling, XXXX  XXXX urgently requesting a thorough review of the documents I submitted so this never happens again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: GA

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
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  Inquiries included in dispute :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
this account is older than seven years and should be removed by law account is XXXX XXXX the account number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
this account is older than seven years and should be removed by law account is XXXX XXXX the account number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
The bankruptcies listed on my policy are not correct and was not filed by me or anyone representing me. This is an obvious error and needs to be removed from my credit profile/report. XXXX XXXX Bankruptcy Reference # XXXX filed XX/XX/year> showing court Federal and XXXX XXXX Bankruptcy Reference # XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: Block, Inc.
State: FL

Complaint narrative:
I tried to withdraw XXXX XXXX out of XXXX different ATMs but every time it took the money out the account but did not dispense any funds all three different times. Then I tried to dispute the transactions through someone on cash app support but they didnt reach back out and ended up closing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I woke up on my payday XXXX  find only {$1.00} in my XXXX account, despite having received my paycheck. After reviewing my account activity, I saw that XXXX had taken nearly my entire paycheck through overdraft fees, which had accumulated XXXX  approximately {$500.00}. I immediately called customer service, and they told me there was nothing they could do unless I brought the account XXXX  a positive balancebut I could not do that because they had already taken all of my money. I was left with only {$1.00} XXXX  survive on for XXXX weeks. 

Then, on XX/XX/year>, I woke up again on payday to see my account at negative {$14.00}. Despite another deposit, I am once again left without access XXXX  my funds. I called XXXX again and was told the same thing : there is nothing they can do. 

This has become a recurring cycle, XXXX  XXXX has shown no willingness XXXX  help or stop the overdraft charges. I did not spend $ XXXX is a result of Chases own fees stacking on top of each other. Today, I checked my account XXXX  now see a negative balance of {$480.00} due XXXX  overdraft charges alone. 

I feel like XXXX being punished XXXX  drained of my livelihood. I am asking for an investigation XXXX  for my money XXXX  be returned. This is an abusive banking practice that is causing real harm XXXX  my financial XXXX  personal wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: PA

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 identity 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 2025-05-30 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: NY

Complaint narrative:
The first week of XXXX a friend transferred money to my Venmo account. The amount sent was {$800.00}. Shortly thereafter I I received an email on XX/XX/XXXX that the account was frozen until I sent a copy of my photo ID. I immediately responded and uploaded a copy of my photo ID for verification. I then received an email that they ( Venmo ) was on holiday and it would take a prolonged period of time to look at my photo ID. After waiting a week and not hearing anything from Venmo I've began emailing them daily to please update. It's as if my emails are going into a black hole ... no responses or updates. I even asked for the funds to be returned and the account closed but I have received 0 communication from them it's now basically XXXX. Thank you in advance for the help. As a side note I got a new phone the beginning of the month and and transferred my account to it ... which was flagged as suspicious hence the suspension

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
Upon reviewing my credit report, I discovered several erroneous entries. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), the XXXX credit bureaus are legally obligated to validate these accounts. It is completely unacceptable to consider these accounts unverifiable without providing proper proof within the required legal timeframe. I demand a thorough investigation of the unverifiable account ( XXXX ) listed below in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ) 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  Balance Owed : {$2100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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:
Upon reviewing my credit report, I discovered several erroneous entries. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), the XXXX credit bureaus are legally obligated to validate these accounts. It is completely unacceptable to consider these accounts unverifiable without providing proper proof within the required legal timeframe. I demand a thorough investigation of the unverifiable account ( XXXX ) listed below in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ) 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  Balance Owed : {$2100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
Tower Loan is garnishing my wages based on a loan they claim was originated on XX/XX/XXXX, with a balance of {$6300.00}. However, I never signed or authorized a loan agreement in XXXX. The original debt dates back to XXXX. This appears to be a re-aged account in violation of the Fair Credit Reporting Act ( FCRA ), specifically 623 ( a ) ( 5 ), which prohibits reporting inaccurate dates of first delinquency. It may also violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, due to misleading representation of the debts age and status. 

I disputed the Tower Loan account directly with XXXX, XXXX, and XXXX, but none of the bureaus removed the tradeline. I did not receive any documentation showing how the debt was verified or what evidence Tower Loan provided. 

I submitted written requests for full debt validation to their attorneys, XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I asked for a signed copy of the loan agreement, an itemized breakdown of the balance, a copy of the court judgment and garnishment order, proof of legal authority to collect, and documentation showing I was properly served. I received no response from the law firm. 

Tower Loan later responded to a previous CFPB complaint but failed to provide any of the requested documents. Their letter simply restated the XXXX origination date without proof or supporting evidence. They did not include the signed agreement or any breakdown to justify the balance reported to XXXX. 

I continue to dispute the validity of the debt, the re-aged reporting, and the legal basis for the garnishment. I am requesting that the CFPB investigate and require Tower Loan to provide proper documentation or remove the account entirely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: RI

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION 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 has violated my rights. 

EQUIFAX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

EXPERIAN 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 has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief