vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: VA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: CO

Complaint narrative:
PayPal allowed an unauthorized {$500.00} transaction to XXXX XXXX XXXX from my PayPal balance on XXXX XXXX XXXX. I did not authorize this payment and do not use this company. 
I filed a dispute and provided clear evidence that the transaction was not made by me. Despite this, PayPal denied the claim and closed the case without providing any logs, IP data, or proof of authorization. This is a gambling-related transaction, which should trigger extra scrutiny, and I believe PayPal has failed to protect my account and funds under their own policies. 
I am requesting a full investigation and a refund of the {$500.00} removed from my account without consent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: ME

Complaint narrative:
I settled a collection account with XXXXXXXX XXXX XXXXXXXX and received confirmation that the account was paid in full and removed from my credit report as of XX/XX/year>. 

Recently, I discovered that a different collection agency, XXXX XXXX, has re-reported the same debt as a new, open, and delinquent account. This is not only inaccurate but also misleading, as the debt was fully resolved. 

As a result of this false reporting, my credit score has dropped by more than XXXX points, which is directly affecting my ability to secure financing for a home I am currently in the process of purchasing. 

I have submitted the following documentation to XXXX in my dispute : Receipt of payment and proof of settlement from XXXX XXXX XXXX Email correspondence from the original creditor verifying the resolution and closure of the account Previous credit report records showing the account was deleted Despite this, the erroneous entry remains, and no resolution has been provided.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: AZ

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 Balance : {$3000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I am demanding the immediate removal of a fraudulent collection account being reported by Aldous & Associates for {$4700.00}, allegedly owed to XXXX XXXX  XXXX. This debt is not mine. I have no knowledge of this account, did not authorize it, and was not living at or associated with XXXX XXXX XXXX at the time this account was supposedly opened in XXXX XXXX. I was living in XXXX, Louisiana during the pandemic and was not enrolled in college. 

This is a clear case of identity theft. 

I have disputed this account multiple times with the credit reporting agencies, Aldous & Associates, and through the Consumer Financial Protection Bureau ( CFPB ). The company responded stating that they would treat this as a formal dispute and mail me a response. I never received any correspondence from them. 

It has now been years that this false collection has damaged my credit, affecting my ability to obtain credit, rent, and improve my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: MA

Complaint narrative:
I called Mohela today, XXXX, because I received a statement that I have a bill of {$590.00} due next month. I am currently unemployed and have been unemployed since XXXX of this year. I was in school for the past two years and under the in-school deferment plan. All my statements prior to the most recent one say " Your loans are currently in an in-school deferment, which requires payments of {$0.00} until XXXX '' I called to inquire about this as I just finished school and have not been able to find employment yet and was told by the representative that statement only applies to federal loans, not the ones I have. If it does not apply to my loan, why is this stated on my statement? That is extremely misleading. Aside from that, I let her know that I am unemployed and recevie XXXX income per month and would not be able to make a XXXX XXXX  monthly payment. She stated that I did not qualify for forbearance and that there were no zero monthly payment plans ( I never asked for a XXXX monthly plan ) and she could check to see if there are plans to reduce my payment and I asked how they would go about that. She stated they would look at my financial information and income, which I stated again, I am unemployed with XXXX income. She goes on to say in that case the responsibility for the payment would fall on my consigner. I asked her to check for lower payments -- we go through a series of questions, just for her to come out and say unfortunately there are no lower options and that my amount of {$590.00} would be due next month. Not only is it extremely misleading to state on statement that payments would not start until XXXX, but I find it extremely hard to believe that there would not be ANY re-payment or lower payment options for someone who is telling you they have XXXX income and no way of paying XXXX XXXX. It's truly disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2025-06-24 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Subject : Experian Ignored Certified Credit Report Dispute No Response Received Dear CFPB Representative, On XXXX XXXX XXXX, I mailed a detailed dispute letter to Experians dispute department via Certified Mail with Return Receipt Requested. The USPS tracking confirms delivery and signature on XXXX XXXX XXXX.

Despite a verified receipt, Experian never responded to my dispute in any formno letter, no email, no investigation results, and no update to my credit report. This is a clear violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which requires consumer reporting agencies to conduct a reinvestigation and respond within 30 days of receiving a dispute. 

In that letter, I disputed every negative item on my credit report and demanded deletion of any account that could not be verified. 

I also enclosed my government-issued ID and proof of Nevada residency XXXX My dispute letter clearly stated that if no response was received, I would file formal complaints with the CFPB and Nevada Attorney Generals Office. Experians complete lack of response, even with a return receipt and delivery confirmation, shows a blatant disregard for FCRA obligations and my consumer rights. 

Requested Relief : Immediate investigation into Experians failure to respond Deletion of all disputed accounts due to failure to properly verify Formal enforcement to prevent future noncompliance Written resolution summarizing all actions taken Attachments : Original dispute letter Certified mail receipt USPS return receipt Identification and proof of residency I respectfully request the CFPB to intervene and enforce the consumer protections afforded under federal and Nevada law. XXXX failure to comply not only harms my financial standing but undermines the integrity of the credit reporting system.

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 2025-06-24 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: GA

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefited from it. Know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I require you to take action immediately to prevent further harm and fraud to my personal information so, remove all these fraudulent transactions and account from my credit report ASAP.

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 2025-06-24 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Longbridge Financial, LLC
State: CA

Complaint narrative:
I applied for Reverse Mortgage with two different companies, XXXX XXXX and Longbridge Financial LLC. Longbridge advertise Price Match Advantage Program, if I find a better offer elsewhere, well match it or if they could not I would receive {$500.00} gift card as a thank you for considering them. This started in XXXX. The Agent for Longbridge stated he can not match the attached comparison, so I completed the application with XXXX XXXX signed all the documents, paid for appraisal, notary, and closing costs by XXXX XXXX XXXX. I sent several documents, responded to their emails, and letters. They responded by saying I did not close the loan with XXXX XXXX. By the time I completed the application process and closed the loan with XXXX XXXX, the closing date and funding was XXXX XXXX XXXX XXXX XXXX XXXX XXXX I emailed Longbridge Financial LLC asking when I would be receiving the {$500.00} since Specialist stated he can not match the comparison. They are required to send the gift card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX Balance : {$430.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-06-24 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, MI XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$50.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$960.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/year>, I filed a dispute with TransUnion regarding inaccurate accounts. The status showed In Process for over 30 days, but I never received results. On XX/XX/XXXX, I sent a certified letter citing FCRA Section 611 ( a ), demanding results and verification. TransUnion never responded. As of XX/XX/XXXX, the entire dispute has disappeared from their online system without explanation. No mailed results, no proof of verification, and no record of the dispute remain. This violates my rights under the Fair Credit Reporting Act.

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 2025-06-24 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: CT

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-24 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: NC

Complaint narrative:
I am a victim of identity theft. There are several fradulent credit cards and student loans. Ive never gave anyone authorization or permission to open any accounts in my name without my consent

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 2025-06-24 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: NC

Complaint narrative:
I am a victim of identity theft. There are several fradulent credit cards and student loans. Ive never gave anyone authorization or permission to open any accounts in my name without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with explanation