vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilledthese inquiries still remain. This failure to act is unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is inflicting ongoing emotional and financial harm. I demand immediate investigation and the prompt removal of all unauthorized inquiries 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 explanation
Consumer complaint received 2025-05-31 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Subject : Urgent Request for Removal of Closed Account from Credit Report Dear XXXX Credit Bureau Name ], I hope this message finds you well. My name is XXXX XXXX, and I am reaching out to formally request the immediate removal of a closed account from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX ( a ). 

The account in question is as follows : - XXXX XXXX : XXXX - XXXX XXXX XXXX XXXX XXXX : XXXX - XXXX XXXX : XXXX - XXXX XXXX : XXXX - XXXX XXXXXXXX XXXX : XXXX I have carefully reviewed my credit report and found that this account has been marked as closed since [ Date Closed ]. Under the FCRA, it is essential that credit reporting agencies maintain accurate and current information. The presence of this outdated account is not only misleading but also adversely affects my creditworthiness. 

I kindly urge you to take prompt action to remove this closed account from my credit report. I have attached supporting documentation, including [ any relevant documents such as account statements or proof of payment ], which substantiate my request for its removal. 

According to the FCRA, you are required to respond to this request within XXXX days. If you need any further information or documentation to expedite this process, please do not hesitate to reach out to me at [ XXXX ]. 

Thank you for your immediate attention to this urgent matter. I look forward to your swift response and the resolution of this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: FL

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Continental Finance Company, LLC
State: OH

Complaint narrative:
I paid a {$95.00} processing ffee for a credit card and the card has not been activated. I have called multiple times and been on hold for hours and no one answers

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/year> ], I received a notification from PayPal stating that my account had been permanently limited due to " potential risk. '' This happened without warning, without explanation, and without any recent activity on my account. 

For at least one full week prior to the limitation, I did not use my PayPal account at all. There were no transactions, no login activity, and no suspicious behavior. Despite this, my account was restricted, and I was told the decision was final and could not be appealed.

I contacted PayPal support through email and their message center, requesting : A full explanation Details of the suspicious activity Which terms or policies were violated A chance to appeal or have a human review my case In return, I received only generic automated replies, stating that the decision was final and that the account would remain limited for 180 days, after which I would be told how to access any remaining funds.

This action is extremely damaging to my business operations. I believe this is a system error on PayPals part, and I have been denied the right to defend or resolve the issue.

I am seeking the CFPBs help in pressuring PayPal to : Conduct a proper review Provide a clear reason for this limitation Restore my account or allow an appeal process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
Items are inaccurate, unverifiable, and in violation of my rights under the FCRA specifically under 15 U.S. Code 1681c-2.

false inquiry that werent made by me and inaccurate balance of {$13000.00}. All the late payments are inaccurate and unverifable. No proof of me owing this amount of debt. No steps taken to provide me with correct information that this debt is indeed mine. This needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: VA

Complaint narrative:
This account with XXXX XXXX was charged off and closed years ago, with a term of only 45 months. However, they are continuing to report monthly derogatory marks through XXXX and XXXX, long after the account should have been resolved and aged off according to FCRA rules. This appears to be an illegal re-aging of the account, which is suppressing my credit score and misleading lenders. 

I formally requested the date of first delinquency and an explanation of their reporting, and while they responded, the documents still show derogatory activity for a closed loan. Their own record shows last payment was in XX/XX/XXXX, yet they are updating the balance and reporting new late notations almost 7 years later. 

This is abusive reporting behavior that violates the Fair Credit Reporting Act. I am requesting this account be removed or corrected immediately, as it is harming my ability to qualify for basic financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I initiated a payment plan with Citi after financial hardship, and was under the impression that the account was frozen or interest would stop accruing during the plan. I made the first payment and then lost access to my online account entirely. I was not able to manage the plan, confirm payment terms, or view balance changes.

Months later, Citi reported a payment on XX/XX/year>, which I did not authorize or make. I never received any communication verifying that this payment plan was properly entered into their system. There is no supporting documentation I can access, and customer service has failed to provide any record of the plan or clarify what happened.

Despite all of this, interest continued accruing on the account, resulting in a much higher balance than expected. I disputed the account with XXXX, but Citi verified the debt without addressing any of these specific concerns.

I am now being reported as past due and charged off, with an inflated balance that includes disputed interest and an unexplained payment.

I request the CFPB to compel Citi to : Provide written verification of the XX/XX/year> payment, Confirm whether a payment plan was properly activated and documented, Explain why I lost access to my account immediately after enrolling, And remove or correct any inaccurate reporting if they can not verify the full account history, including payment sources and plan terms.

Citi bank also makes it impossible to verify and or access an account without the card number, the problem here is that once the account was closed out, and the payment plan set up I no longer had a need for the card since it was deactivated so the card was shredded.

I will also be including 5 screenshots. The first will be a picture on my online access through the desktop site, the second is going to be the same thing but on the mobile app, the 3rd one is a picture of the date the account was closed and the last payment processed, and screen shot 4th and 5th are pictures of the available verification methods Citi offers. They are basically the same this just one is for the password and one is for the username. 

Thank you, For your time

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 2025-05-31 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: CA

Complaint narrative:
This is a demand to correct the false reporting regarding XXXX XXXX XXXX account number XXXX. This account was discharged in a XXXX XXXX bankruptcy on XXXX XXXX XXXX This is not a current nor opened account. You have re-inserted a false balance of {$8000.00}. You deleted the " discharged in bankruptcy '' notation and switched this account from closed to open. You have also re-aged this account. This is {$1000.00} per each FCRA violation. 

In my previous dispute I requested under 1681i that Experian conduct a reasonable and fair investigation. I also requested your method of verification, specifically requesting the documentations you received to verify the false debt that you're reporting. I asked for physical evidence and you have ignored this request. 

I am once again challenging your sham investigation and requesting physical evidence as to why you would remove an account from a discharged bankruptcy status & re-insert a false debt of {$8000.00}.

I have attached physical evidence of this account being discharged in a XXXX  XXXX bankruptcy as well as a request from the creditor XXXX XXXX XXXX requesting deletion of this account. Please see the attached email between my attorney XXXX XXXX and the collections manager at XXXX XXXX XXXX. 

I am putting you on notice of the false reporting effective today XXXX. If you continue to report these violations after this dispute, it will be considered willful negligence and malicious conduct. This is a serious matter and I am giving Experian an opportunity to correct this. Thank you for taking the time to read my complaint, dispute and look over my evidence.

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 2025-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I presented a check to a grocery store ( XXXX in XXXXXXXX XXXX  ) for {$25.00}. XXXX uses Certegy Payment Solutions to accept or reject checks. Certegy rejected my check twice. I requested my info and received a letter from Certegy dated XX/XX/XXXX. On XX/XX/XXXX I called their toll-free number because their letter was vague on reasons why my check was rejected ( " it did not meet the acceptance guidelines, which can vary by store and transaction. Factors may include a combination of : the check number, check-writing history, or other transaction details. " ). The man I spoke to could not tell me which exact guidelines my check had violated. I need to know this because at the time I was between debit cards and a case of fraud was being investigated by my bank ( which is why I was writing a check in the first place ). Otherwise, there was nothing wrong with my account ; the check would have cleared with plenty of room to spare. Also, if the assumption was that because the check number was low, my account was new ( which I have run into before ), that assumption would have been erroneous because my husband and I have had this account for XXXX years. We hardly write checks ; we usually rely on our debit cards. But the account is not new. Therefore, I need to know the exact reason why my check was declined. Incidentally, XXXX is actually my prime suspect in terms of where my debit card was compromised, and they have been of no help there either. So after decades of being a faithful customer, I am no longer giving them business. Therefore, a resolution on the check front would go a long way toward assuaging my concerns about this XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: World Acceptance Corporation
State: TN

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint against World Finance for its continued attempts to collect a debt that is legally time-barred under Tennessee law XXXX 
According to Tennessee XXXX XXXX XXXX, creditors and collection agencies are generally restricted from filing lawsuits to recover debts that are more than XXXX ( XXXX ) years old. Despite this, XXXX XXXX has continued to pursue collection efforts on a debt that is well beyond this statute of limitations. 
I believe this behavior is not only unethical but also potentially in violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits the use of unfair or deceptive practices in the collection of consumer debts. By attempting to collect a time-barred debt, XXXX XXXX is XXXX and harassing me and causing unnecessary stress and concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I applied for the modification, and a trial offer was granted. I completed the trial schedule and the modification was granted and the foreclosure was stopped. After the foreclosure proceedings were stopped, the lender began assessing me foreclosure fees. I think that is improper. Any legitimate foreclosure fees should have been included in the modification loan balance. As a result I now have two payments on the single transaction. That should be improper. I made one loan modification, I should have only ended with ONE payment, not two. I also think it is improper for the lender to assess foreclosure fees AFTER the foreclosure has been canceled. HELP ME. Thanks. XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, California, XXXX. Phone ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to follow up on my previous dispute regarding several inaccurate and duplicated accounts being reported on my credit file. Despite initiating my prior complaint, the negative entries still remain and are negatively affecting my creditworthiness.

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 2025-05-31 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: TX

Complaint narrative:
To remove a fraudulent loan, CREDIT ACCOUNTS AND inquiries from your credit report, I HAVE DISPUTED THESE ITEMS 6 TIMES submitted POLICE REPORT AND FTC REPORT AND EXPERIAN, TRANSUNION, AND EQUIFAX REFUSE TO BLOCK AND REMOVE, accordinG TO The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies have a duty to block the reporting of fraudulent account information. 

section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify ME

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The XXXX XXXX account ending XXXX was disputed in XX/XX/2025 via Experian 's internal dispute process due to inaccurate information being reported in which they took over 30 days to supposedly conduct a fair and accurate investigation as outlined in the FCRA. You were given 30 days by law to investigate the inaccurate information related to this complaint and reported that is was verified and updated on XX/XX/2025 that this account was a charged off in XX/XX/2025 which is completely inaccurate and false.

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Complaint summary I am submitting this formal complaint against Santander Consumer USA for their failure to accurately report my account status, issue a Form XXXX following charge-off, and their ongoing furnishing of misleading credit data in violation of federal law. 

XXXX & XXXX My vehicle was repossessed by Santander Consumer USA XXXX My credit report now reflects Paid in Settlement and notes that {$7300.00} was written off. Despite this, every month since the repossession is marked as C for charged offsuggesting continuing delinquency, which is inaccurate and misleading. 

Failure to Issue XXXX I have not received a Form XXXX, which is legally required under XXXX XXXXXXXX XXXX  XXXX when a debt of this nature is canceled or settled. This has tax consequences and violates IRS reporting standards. 

Violations of FCRA Furnishing Inaccurate Information As per XXXX XXXX XXXXXXXX ( a ), furnishers of credit information must report accurate data. Santander is improperly maintaining a charged off status long after receiving value or settlementthereby misrepresenting the debt & status. Their conduct amounts to false and damaging reporting, impacting my credit unlawfully. 

Failure to Acknowledge Lawful Tender & Consideration In XXXX and XXXX, I issued formal Letters of Instruction along with valuable consideration per Article XXXX of the Uniform Commercial Code ( XXXX ), referencing procedures found in Santanders own XXXXXXXX XXXX filings XXXX According to XXXX XXXX ( b ) : If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge to the extent of the amount of the tender. Despite lawful tender, Santander refused to acknowledge these payment instruments, which disregards XXXX law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am very worried today after checking my credit report. There are some accounts showing up that I dont recognize theyre not mine, and I never authorized them. I dont know where they came from or who added them. It makes me feel anxious to think someone might be using my personal information without my permission. I havent done anything wrong, but this is affecting me like I did. Please, I kindly ask you to look into this, because Im feeling very desperate about the situation.

There are the accounts : XXXX XXXX XXXX XXXX, Date Opened on XX/XX/XXXX, BALANCE {$0.00}. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened on XX/XX/XXXX, BALANCE {$0.00}. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened on XX/XX/XXXX, BALANCE, {$650.00}. 

XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened on XX/XX/XXXX, BALANCE {$460.00}. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened on XX/XX/XXXX, BALANCE {$740.00} There are Inquiries : XXXX XXXX XXXX, inquired on XX/XX/XXXX. 

XXXXXXXX XXXX XXXXXXXX, Inquired on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief