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

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. ''

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 2025-06-06 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: AZ

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 2025-06-06 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: IL

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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

Complaint narrative:
In light of a recent data breach, fraudulent accounts have been added to my credit report. 
Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block them within 4 days : 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 NY XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Georgia Student Finance Authority
State: GA

Complaint narrative:
Between XXXX and XXXX, XXXX reported my XXXX XXXX XXXX XXXX as delinquent during multiple time periods that were later covered by retroactive deferments and forbearances. These were officially granted and should have resolved or prevented the reported delinquencies. However, the account remained marked as past due and continued to age negatively. 

For example : A forbearance was granted on XX/XX/XXXX, covering XX/XX/XXXX to XX/XX/XXXX, but delinquencies for those dates were still reported. 
Another retroactive deferment was granted on XX/XX/XXXX for XX/XX/XXXX to XX/XX/XXXX, yet negative marks remained. 
This pattern repeated in later years ( e.g., in XXXX, XXXX, XXXX ), despite multiple deferments and forbearances covering the periods in question. 

These retroactive adjustments should have corrected the delinquent reporting under the FCRA. I believe this constitutes inaccurate reporting and request a formal reinvestigation into the reported late payments between XXXX and XXXX, as well as correction or deletion of any tradelines that remain inaccurate. 

I have documentation and the full payment/deferment history available. 

1. Incorrect Late Payment Reporting ( XX/XX/XXXX XX/XX/XXXX ) : Late payments were reported to credit bureaus even though a retroactive forbearance was granted on XX/XX/XXXX, covering XX/XX/XXXX to XX/XX/XXXX. These delinquencies should not appear on my credit report. 
2. Inaccurate Delinquency During Covered Period ( XX/XX/XXXX XX/XX/XXXX ) : Despite a retroactive forbearance granted on XX/XX/XXXX for the period XX/XX/XXXX to XX/XX/XXXX, multiple late payments ( 30 to 150 days ) were reported. These are inaccurate and should be removed.

3. Long-Term Default Reporting Despite Payments ( XXXX XXXX ) : Default and 180+ day delinquency reporting continued after hardship periods and while small payments were being made and applied retroactively starting in XXXX. This may reflect incomplete or misleading reporting. 

I am requesting : Immediate reinvestigation and correction of all inaccurately reported delinquencies that occurred during approved forbearance or deferment periods. 
Removal of negative credit reporting for any periods that were later covered by retroactive hardship status. 
An updated account history and correction across all credit bureaus.

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

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was in XXXX  XXXX and I didnt open any bank accounts I also reported to XXXX  and made an online police 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 monetary relief
Consumer complaint received 2025-06-06 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: CA

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

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 2025-06-06 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: VA

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that I did not open or authorize. This account reflects fraudulent use of my personal information and was opened without my knowledge or 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 non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: CA

Complaint narrative:
I am writing to formally address an issue regarding the reporting of a late payment on my credit report. I contacted your customer service on two separate occasionsboth in XXXXto discuss this matter. During these conversations, I was assured by two different representatives that as long as I submitted the required paperwork by XXXX, the late payment would be removed from my credit report. 

I have diligently followed all instructions and submitted the necessary documentation within the specified timeframe. Despite this, I have recently discovered that the late payment has been backdated to XXXX of the previous year, which is inaccurate and detrimental to my credit standing. 

As a student, I have maintained a consistent payment history and have not encountered issues until now. This erroneous reporting is adversely affecting my credit score, which is crucial as I am in the process of purchasing a home. I have attached all relevant paperwork for your review.

I respectfully request the immediate removal of this incorrect late payment from my credit report. I believe this action is warranted based on the assurances provided by your representatives and the timely submission of the required documentation on my part.

Thank you for your prompt attention to this matter. I look forward to your swift resolution.

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

Complaint narrative:
I am a victim of a recent data breach, and I have discovered fraudulent accounts on my credit profile. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete them within XXXX  days : 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 Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX Date : XX/XX/XXXX

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

Complaint narrative:
My PayPal account was limited in XXXX, and according to PayPals own policy, any funds held in a limited account should be made available for withdrawal after 180 days. Despite this, my funds were not released for several years. 
In XX/XX/XXXX, PayPal finally confirmed that the funds were available. However, the bank account previously linked to my PayPal account was no longer active. I requested to link a new bank account or transfer the funds to another PayPal account. Initially, I was told the transfer would be possible within 72 hours. But after waiting, I was told that the request was rejected, without any proper explanation. 
I followed up multiple times and received conflicting messages from different support agents. Some admitted that the funds were released, but others claimed they didnt know when I could withdraw them or why my account had been limited in the first place. 
Now PayPal is telling me there is no timeframe for withdrawal and that there is no workaround, which goes against their written policy and contradicts earlier statements from their own agents. I believe PayPal is unlawfully withholding my money, and I am requesting immediate assistance in accessing the funds that are rightfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
This letter is to notify you that I was a victim of a data breach, and fraudulent accounts now appear on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I demand blocking and deletion within 4 days : 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 GA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
I turned the car in when I was going through a life situation and I informed them that and they told me that they would sell the car to resolve the amount I owed so it wouldnt hit my credit

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

Complaint narrative:
I am submitting this complaint regarding a debt relief program failure that resulted in unfair credit reporting by XXXX XXXX. I was enrolled with [ XXXX XXXX XXXX XXXX ] and had a valid, active settlement agreement for my XXXX XXXX account. Due to a confirmed administrative error, my program was canceled without my consent. During that time, XXXX XXXX reported the account as charged off. 

Prior to the cancellation, I had received and approved a settlement offer for the same accounta resolution that would have satisfied the debt in good faith and protected my credit standing. After the error was discovered, the company reinstated the program ; however, they refused or were unable to honor the original settlement offer. As a result, I was left with a derogatory credit mark and no way to resolve the debt under the terms I had agreed to. 

This situation has caused significant financial and reputational harm, through no fault of my own. I believe it constitutes : A violation of the Credit Repair Organizations Act ( CROA, 15 U.S.C. 1679b ) by the debt relief company, for failing to provide services fairly and transparently.

A violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) by XXXX XXXX XXXX for furnishing misleading and harmful credit information that fails to reflect the true context of the charge

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

Complaint narrative:
I am submitting this complaint regarding a debt relief program failure that resulted in unfair credit reporting by XXXX XXXX. I was enrolled with [ XXXX XXXX XXXX XXXX ] and had a valid, active settlement agreement for my XXXX XXXX account. Due to a confirmed administrative error, my program was canceled without my consent. During that time, XXXX XXXX reported the account as charged off. 

Prior to the cancellation, I had received and approved a settlement offer for the same accounta resolution that would have satisfied the debt in good faith and protected my credit standing. After the error was discovered, the company reinstated the program ; however, they refused or were unable to honor the original settlement offer. As a result, I was left with a derogatory credit mark and no way to resolve the debt under the terms I had agreed to. 

This situation has caused significant financial and reputational harm, through no fault of my own. I believe it constitutes : A violation of the Credit Repair Organizations Act ( CROA, 15 U.S.C. 1679b ) by the debt relief company, for failing to provide services fairly and transparently.

A violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) by XXXX XXXX XXXX for furnishing misleading and harmful credit information that fails to reflect the true context of the charge

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 2025-06-06 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: MD

Complaint narrative:
I am submitting this complaint regarding a debt relief program failure that resulted in unfair credit reporting by XXXX XXXX. I was enrolled with [ XXXX XXXX XXXX XXXX ] and had a valid, active settlement agreement for my XXXX XXXX account. Due to a confirmed administrative error, my program was canceled without my consent. During that time, XXXX XXXX reported the account as charged off. 

Prior to the cancellation, I had received and approved a settlement offer for the same accounta resolution that would have satisfied the debt in good faith and protected my credit standing. After the error was discovered, the company reinstated the program ; however, they refused or were unable to honor the original settlement offer. As a result, I was left with a derogatory credit mark and no way to resolve the debt under the terms I had agreed to. 

This situation has caused significant financial and reputational harm, through no fault of my own. I believe it constitutes : A violation of the Credit Repair Organizations Act ( CROA, 15 U.S.C. 1679b ) by the debt relief company, for failing to provide services fairly and transparently.

A violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) by XXXX XXXX XXXX for furnishing misleading and harmful credit information that fails to reflect the true context of the charge

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