vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I had my federal tax returns deposited into my XXXX account. I tried using my XXXX  debt card multiple times. I tried to make a withdraw to my bank account connected to XXXX  Every transaction was denied. My XXXX  account was suspended XXXX times in XXXX week. I was still unable to make any kind of withdraw after they un suspended my account. Finally on XX/XX/XXXX I was able to transfer {$1700.00} dollars to my connected bank account. Then my XXXX account was frozen again. I received a email from a specialist he told me that my account is closed because I violated XXXX policy. he would not state what policy I violated. All of my my federal tax return money is in my XXXX account and they are telling me it's going to take XXXX days for them to decide what to do with it. I can not wait XXXX months for them to return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NCB Management Services Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX ( debt buyer ) and NCB Management Services ( collector ) are reporting conflicting, unverifiable information about a debt. 

XXXX claims : 'Original Creditor : Company Sold ' ( invalid entity ) NCB falsely claims to be the 'Original Creditor ' Both violate FCRA 623 ( a ) ( 5 ) by failing to provide source documentation. 

I've disputed this with XXXX ( see attached proof ), but they failed to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: WA

Complaint narrative:
Please comply with USC 1681g by removing these fraudulent accounts within 15 days, as I am not responsible for them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX XXXXXXXX XXXX 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. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/year> with a balance of {$52000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I am using this CFPB complaint as both a formal complaint and a formal dispute and request for debt validation addressed to RS Clark and Associates , Inc . Attached to this complaint is my written validation request, which clearly lists the documents that RS Clark and Associates, Inc must provide under the Fair Debt Collection Practices Act ( FDCPA ) to prove the debt is valid and legally collectible. This includes proof of ownership of the debt, a breakdown of the amount claimed, and a copy of the original agreement bearing my signature.

I am submitting this request through the CFPB to ensure that RS Clark and Associates, Inc receives my letter and is held accountable for responding properly and lawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
XXXX month after purchase vehicle the engine went out and was dealing with the dealer about taking vehicle back. I work in oil and gas on rotaion and was gone a month after this happened. when i returned from work the truck was gone and when i called i was told it was repoed for non payment. it still shows active loan and not repossed the creditor is credit acceptance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/year> Balance {$52000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXXXXXX XXXX Balance : {$100.00}

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 2025-08-14 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: OH

Complaint narrative:
Someone has been using my mother 's ( XXXX XXXX XXXX ), my daughter 's ( XXXX XXXX XXXX ) and myself ( XXXX XXXX XXXX ). I found out about this person using of information to open accounts in XX/XX/2024. I called the police and we made police reports. I have been doing dispute with all 3 credit reporting agencies since XX/XX/2024. TransUnion and Equifax refuse to remove the account off my report. I have mailed in copies of police reports, Identity Theft report from Identitytheft.gov. it is amost XXXX XXXX later and i dispute it every time I receive my dispute results back, still it is not removed. Now with all three reporting agencies, my data was breached. I even sent the copy of the breach card from their own companies. The system that is used is not creditable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: CA

Complaint narrative:
I am filing this complaint against TransUnion and the furnishers XXXX  ( Acct : XXXX ) and XXXX XXXX ( Acct : XXXX ) for willfully and negligently reporting false late payment information in violation of the Fair Credit Reporting Act ( FCRA ). My TransUnion credit file shows XXXX Late Date : XX/XX/XXXX and XXXX XXXX  Late Dates : XX/XX/XXXX through XX/XX/XXXX. These entries are entirely inaccurate and result solely from the furnishers internal reporting or transmission errorsnot from any actual failure on my part to make timely payments. Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or should know is inaccurate, and under 1681i, TransUnion is required to conduct a reasonable reinvestigation and delete or correct any inaccurate, incomplete, or unverifiable information. Despite my dispute, TransUnion has failed to comply with these requirements and continues to publish false data, causing significant damage to my credit standing, financial opportunities, and personal reputation. I demand immediate CFPB intervention to compel TransUnion to permanently delete these false late payment entries, provide the name, contact information, and credentials of the individual who verified these lates, disclose the exact verification method used ( including access logs and documents reviewed ), and provide copies of any records proving the alleged late payments. If TransUnion and the furnishers can not produce definitive proof of actual late payments, these entries must be removed without delay. Continued reporting without such proof constitutes willful noncompliance under FCRA 1681n and negligent noncompliance under 1681o, making them liable for statutory damages, actual damages, attorneys fees, and punitive damages. I expect the CFPB to address these violations immediately and confirm removal of these inaccurate entries to prevent ongoing harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: 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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I sent a request for investigation under FCRA 611 ( a ) to all three credit bureaus on XX/XX/XXXX. XXXX XXXX, and XXXX.About the following accounts : report number- XXXX. XXXX TransUnion : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX. 

Equifax : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Experian : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Date : XX/XX/XXXX. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : DEPT OF ED/XXXX  Account Number : XXXX XXXX Account name : DEPT OF ED/XXXX  Account number : XXXX  Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number XXXX Account name : XXXX XXXX Account number : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX Account number : 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 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 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 In according with the fair credit reporting Everything must be 100 % accurate on my credit report . The credit bureaus stated my account was thoroughly investigated but how is that possible if the opening date is inaccurate, the last active date is inaccurate, and the last date reported is not accurate. The ground for removal. They also violated the law because according to 15 U.S.C. 1681 section 602A. states i have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. I did NOT give anybody written instructions. I'm a natural person, I am a living human being. have right under 15 USC 1681. Equifax is governed by 15 USC 1681. And they violated my rights numerous times. Delete all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: LA

Complaint narrative:
I sent a request for investigation under FCRA 611 ( a ) to all three credit bureaus on XX/XX/XXXX. XXXX XXXX, and XXXX.About the following accounts : report number- XXXX. XXXX TransUnion : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX. 

Equifax : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Experian : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Date : XX/XX/XXXX. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : DEPT OF ED/XXXX  Account Number : XXXX XXXX Account name : DEPT OF ED/XXXX  Account number : XXXX  Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number XXXX Account name : XXXX XXXX Account number : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX Account number : 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 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 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 In according with the fair credit reporting Everything must be 100 % accurate on my credit report . The credit bureaus stated my account was thoroughly investigated but how is that possible if the opening date is inaccurate, the last active date is inaccurate, and the last date reported is not accurate. The ground for removal. They also violated the law because according to 15 U.S.C. 1681 section 602A. states i have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. I did NOT give anybody written instructions. I'm a natural person, I am a living human being. have right under 15 USC 1681. Equifax is governed by 15 USC 1681. And they violated my rights numerous times. Delete all

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: AR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NY

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 and 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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to formally dispute several negative entries that are currently being reported on my credit file. This matter is urgent and requires your immediate attention. 

Upon reviewing my updated credit report, I identified some negative accounts that are inaccurate, misleading, and/or unverified

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to formally dispute several negative entries that are currently being reported on my credit file. This matter is urgent and requires your immediate attention. 

Upon reviewing my updated credit report, I identified some negative accounts that are inaccurate, misleading, and/or unverified

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: TX

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 XXXX and 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