vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX Debt XXXX Name : XXXX XXXX  Debt XXXX Company Name : XXXX [ Debt XXXX Address XXXX XXXX XXXX. 
XXXX, TX XXXX XXXX To Whom It May Concern, Transunion. 

I am writing to dispute and request validation of an account that appears as a charge-off on my credit report. I request that you provide proper documentation validating this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Here are the account details : Creditor : XXXX  Reported Balance : {$1300.00} Date of Charge-Off : XX/XX/year> I do not acknowledge this debt and am exercising my legal right to request the following : XXXX. Proof of the original debt, including a signed contract or agreement. 
XXXX. A full account history, showing how the balance was calculated. 
XXXX. Documentation proving that you are legally authorized to collect this debt. 
XXXX. The name and address of the original creditor. 
XXXX. A copy of any judgment, if applicable. 

Until this information is provided, I request that you cease collection efforts and stop reporting this charge-off to the credit bureaus. If you can not validate the debt, the charge-off must be removed from my credit reports with all three major credit bureaus ( Equifax, Experian, and TransUnion ) XXXX 

Additionally, if the debt has been resolved, paid, or settled, I respectfully request that you remove the charge-off as a goodwill adjustment in recognition of the resolution and my effort to maintain good financial standing. 

Thank you for your attention to this matter. I expect a response within 30 days as required by federal law. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX Debt XXXX Name : XXXX XXXX  Debt XXXX Company Name : XXXX [ Debt XXXX Address XXXX XXXX XXXX. 
XXXX, TX XXXX XXXX To Whom It May Concern, Transunion. 

I am writing to dispute and request validation of an account that appears as a charge-off on my credit report. I request that you provide proper documentation validating this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Here are the account details : Creditor : XXXX  Reported Balance : {$1300.00} Date of Charge-Off : XX/XX/year> I do not acknowledge this debt and am exercising my legal right to request the following : XXXX. Proof of the original debt, including a signed contract or agreement. 
XXXX. A full account history, showing how the balance was calculated. 
XXXX. Documentation proving that you are legally authorized to collect this debt. 
XXXX. The name and address of the original creditor. 
XXXX. A copy of any judgment, if applicable. 

Until this information is provided, I request that you cease collection efforts and stop reporting this charge-off to the credit bureaus. If you can not validate the debt, the charge-off must be removed from my credit reports with all three major credit bureaus ( Equifax, Experian, and TransUnion ) XXXX 

Additionally, if the debt has been resolved, paid, or settled, I respectfully request that you remove the charge-off as a goodwill adjustment in recognition of the resolution and my effort to maintain good financial standing. 

Thank you for your attention to this matter. I expect a response within 30 days as required by federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX dollars Report I showing you it says its in good standing its not its a charge off On the regular credit reports its showing charge of this company. Just happens to show up that way. I dont know why, but you cant have this on the credit its considered income. 

The inaccurate information is a charge off if its not a debt charge off is income as defined by the IRS and once this debt is charged off it is income and the consumer must be issued a XXXX for every debt thats listed over {$600.00} They must take this off the credit now they are breaking the law by reporting income as debt thats fraud, and a breach of the fair credit reporting act according to the IRS Please add XXXX XXXX and Pentagon federal same situation it is income please remove. 

I also did this on my first complaint and they told me they only could do XXXX at a time but I added them on here. Hopefully its right.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX dollars Report I showing you it says its in good standing its not its a charge off On the regular credit reports its showing charge of this company. Just happens to show up that way. I dont know why, but you cant have this on the credit its considered income. 

The inaccurate information is a charge off if its not a debt charge off is income as defined by the IRS and once this debt is charged off it is income and the consumer must be issued a XXXX for every debt thats listed over {$600.00} They must take this off the credit now they are breaking the law by reporting income as debt thats fraud, and a breach of the fair credit reporting act according to the IRS Please add TD BANK and XXXX XXXX same situation it is income please remove. 

I also did this on my first complaint and they told me they only could do XXXX at a time but I added them on here. Hopefully its right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have reviewed my credit report and found that Capital One # XXXX is reporting a derogatory status for an account that has been paid and settled with a {$0.00} balance or a settlement balance. Despite resolution, the account continues to reflect negatively as LATE PAYMENT. Which is inaccurate and misleading. 

I contacted the company directly on XX/XX/year> and requested they update the account to reflect a resolved status, but they have not taken action. It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( Creditor ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between creditor company and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Greetings, I am sending this complaint because I still believe there are still error on my credit file. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Please evaluate these accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Whom it May Concern : I recently did an investigation on my credit report and found several items on there to be inaccurate. Upon review you in violation of U.S. Code 1681.

15 U.S. Code 1681e ( b ) Accurarcy of Report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverified information ( a ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. The consumer reporting agency shall, 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 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 2025-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I had a direct sent to XXXX  on XX/XX/2025. On XX/XX/2025 they suspended the account and requested my identification. The same day, they unfrozen the account. On XX/XX/XXXX, they suspended my account again and requested my ID again. After I submitted it, they closed the account and informed me that the funds in my account would be held possibly for XXXX  days. When I attempted to get further information, I was told that there was no more information to provide. When I contacted them again, they responded in the same way and added that any future emails from me would be ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> -- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
For the last week, I have been trying to log in to my Experian account. I was able to start the process of making a new account but I was redirected to a verification page that prompted me to choose where to send the verification code. Unfortunately, my contact information has changed and I am unable to verify my identity using the old contact information. To remedy this, I contacted Experian 's customer service line at XXXX. 
The customer service line is just an automated voice that directed me to take all the same steps I had previously and gave no option to speak with an agent. Since I can't use my old contact information to verify myself and I can't speak to a person, there is no way for me to change my contact information and access my account. 
I have scoured the internet and found other numbers for Experian but all of them led me to the same automated voice which gave the same directions.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : Please update to the correct address ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX, SC XXXX Resident typeSingle family XXXX XXXX  XXXX CT XXXX, FL XXXX XXXX typeSingle family XXXX XXXX XXXX XXXX, SC XXXX Resident typeSingle family XXXX XXXX XXXX CT XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX THESE NAME VARIATIONS DO NOT BELONG XXXX ME XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past XXXX months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( XXXX ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: PA

Complaint narrative:
I have reviewed my credit report and found that XXXX XXXX # XXXX is reporting a derogatory status for an account that has been paid and settled with a {$0.00} balance or a settlement balance. Despite resolution, the account continues to reflect negatively as LATE PAYMENT. Which is inaccurate and misleading. 

I contacted the company directly on XX/XX/year> and requested they update the account to reflect a resolved status, but they have not taken action. It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( Creditor ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between creditor company and 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 non-monetary relief
Consumer complaint received 2025-06-23 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: PA

Complaint narrative:
I have reviewed my credit report and found that XXXX XXXX # XXXX is reporting a derogatory status for an account that has been paid and settled with a {$0.00} balance or a settlement balance. Despite resolution, the account continues to reflect negatively as LATE PAYMENT. Which is inaccurate and misleading. 

I contacted the company directly on XX/XX/year> and requested they update the account to reflect a resolved status, but they have not taken action. It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( Creditor ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between creditor company and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: IL

Complaint narrative:
Inaccurate address information that's not associated with me. Its hurting my credit report and need it disputed.

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 2025-06-23 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: IL

Complaint narrative:
Inaccurate address information that's not associated with me. Its hurting my credit report and need it disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Inaccurate address information that's not associated with me. Its hurting my credit report and need it disputed.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-23 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: SC

Complaint narrative:
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.

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 2025-06-23 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: SC

Complaint narrative:
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.

Company response to consumer: Closed with non-monetary relief