vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX Inaccurate information reported by Transunion XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX This address is a XXXX XXXX XXXX not my home address

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 2025-07-19 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: NC

Complaint narrative:
I have been communicating with PayPal via online messaging and phone since XX/XX/year> in an effort to transfer funds into a savings account held at an institution on their list. 

Consistently received error " We're sorry, we are unable to process your request. Try again later. '' Spoke to someone in their tech support who tried to initiate the process of placing small deposits in my account and advised to wait 3-4 days to see if the system issue clears. Following more back and forth, on XX/XX/XXXX, a supervisor, XXXX, claimed it was not an internal problem and that there was no option other than to add a different account. My financial institution has verified the issue is not on their end and other XXXX  customers have had the same experience ( attached ). 

After filing a XXXX  complaint, received a voicemail from XXXX of the executive on XX/XX/XXXX stating he would send a message ( attached ). The options provided in said message are not acceptable due to the onus being placed on me vs PayPal taking responsibility for the shortcomings that created the problem. There are fees associated with all of their suggestions except the PayPal card which requires my SSN. Due to past data breaches, I will not provide that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Trans Union credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX 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 XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX as proof from the XXXX 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 2025-07-19 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: GA

Complaint narrative:
On XX/XX/XXXX, I submitted a formal dispute to Experian by certified mail regarding several inaccurate and unverifiable items on my credit report. 
The items I disputed included : XXXX reporting inaccurate last activity and unverifiable delinquencies ( {$460.00} balance, opened XX/XX/XXXX ) XXXX XXXX paid charge-off still reporting negatively ( Account # XXXX, {$0.00} balance ) XXXX XXXXXXXX late payments misreported during payoff ( Account # XXXX ) XXXX XXXX XXXX XXXX XXXX  charge-off with conflicting and unverifiable data ( {$130.00} balance ) XXXX XXXX requested verification of ownership and payment records ( {$83.00} balance ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX paid account still reported as derogatory ( {$0.00} balance ) XXXX XXXX  Inquiry on XX/XX/XXXX disputed due to lack of permissible purpose. 

I cited violations of 15 USC 1681e ( b ), 1681i ( 5 ), 1681s-2, and 1681b. I asked Experian to delete any item they can not verify with documentation within 30 days.

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 2025-07-19 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-07-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Account TRANSWORLD SYSTEMS INC XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX 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 XXXXXXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I ordered a package in XXXX. I did not receive it when it was supposed to arrive the next day I contacted the company XXXX XXXX  via chat on their website and the person TOLD ME they would either refund me or send a replacement if it did not arrive in XXXX more days. And to reach out then to get the refund or replacement. Yet when 3 days passed and I didn't get it and I reached back out, they refused to honor their word and refund me. 
I opened a claim with BofA and they denied it despite me having proof that the company agreed to send a replacement or refund. A photo of delivery is not proof that it ever got to me, that's what a signature is for and the ordered did NOT have a signature for proof

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
15 U.S.C. 7001 ( c ) ( ESIGN Act ) 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) 15 U.S.C. 1681a ( 2 ) ( xi ) ( Late Payments ) 15 U.S.C. 1681i ( Procedures for Disputed Accuracy ) 15 U.S.C. 1681s2 ( Furnishers Responsibilities to Consumer Reporting Agencies ) 15 U.S.C. 1681e ( b ) & 15 U.S.C. 1681i ( 5 ) ( a ) ( Accuracy Standards ) 15 U.S.C. 1681i ( 7 ) ( Verification Requirements ) The presence of the inaccuracy due to Experian Data Breach, I will be seeking legal actions if this issue is not rectified under federal laws and removed. I have contacted Federal agencies to assist me with this matter. My consumer rights have been tarnished and violated. Experian has reported the negative information on my credit file without my consent. I have never signed any applications permitting this agency to report such information. I have requested proof, including a signed application or contract along with my valid drivers license, but the reporting Furnishers has not provided documentation or their policies and procedures regarding the FCRA. This raises serious concerns about Experian compliance with FCRA regulations, which require a permissible purpose for accessing and reporting consumer credit information. There is no legal admissible evidence to verify the accuracy. I am requesting the fraudulent items are removeXXXX XXXX XXXX XXXX XXXX XXXX  - Reported Balance : {$600.00} - Open Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Reported Balance : {$570.00} - Open Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Reported Balance : {$130.00} - Open Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Reported Balance : {$2700.00} - Open Date : XX/XX/XXXXXXXX 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 2025-07-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ClearOne Advantage, LLC
State: CO

Complaint narrative:
In XXXX, I was sued by XXXX XXXX XXXX XXXX on behalf of XXXX XXXX. I had already been served and made at least XXXX payment toward the judgment. I contacted ClearOne Advantage  to explore debt relief options and clearly informed their representative about this lawsuit and payment. I was told this would not be a problem and that their legal team would protect me and handle all creditor communication including ones that had already initiated legal action. 

Based on those promises, I enrolled the XXXX account into the program. I was also instructed not to speak with creditors, which I followed trusting XXXX would manage everything. For XXXX XXXX, I made consistent monthly payments and the XXXX account was shown on my dashboard as in negotiations or awaiting communication. At no time was I told this account was ineligible or that I was unprotected. 

On XX/XX/XXXX, I reached out to XXXX specifically about the XXXX XXXX XXXX account XXXX In their response dated XX/XX/XXXX, they reassured me that the account was being monitored and that they were simply awaiting sufficient funds to engage in negotiations. The email stated : Your enrollment in the program includes access to our legal support network, and you will continue to receive assistance should any legal issues arise. 
Legal activity is not common while enrolled in an active debt resolution program. 

This written response gave me continued confidence that I was protected. But in XXXX, my employer received a wage garnishment order for this very account. I contacted XXXX again and was told for the first time that this account should never have been accepted into the program at all due to being under litigation. They dropped the account immediately and said there was nothing they could do to help. I was pressured into agreeing to drop the account and made clear on a recorded call that I was doing so under protest. 

Because of XXXX misrepresentation and failure to act, my wages are now at risk of garnishment, my credit has been severely damaged, and I lost XXXX XXXX of financial progress. Had I been informed earlier that this account was ineligible, I would have pursued other legal remedies or settlements. Instead, I was misled into believing I was protected and advised not to speak with the creditor which ultimately made my situation worse. 

I am requesting : A full refund of all fees paid related to this account Compensation for credit damage and time lost A full investigation into XXXX sales practices, legal team disclaimers, and handling of accounts under litigation

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX XXXX COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: MD

Complaint narrative:
Recently I Looked at a copy of my credit and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure. Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-19 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: MD

Complaint narrative:
Recently I Looked at a copy of my credit and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure. Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX XXXX  XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On or about XX/XX/year>, a balance transfer occurred. JP Morgan Chase XXXX XXXX balance was transferred to a new XXXX  account supplied by XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX  ). The balance payment check provided by XXXX was not cashed. Meanwhile, Chase continued to post charges to my account ; I was not aware of this occurring. When I inquired into the status of the balance transfer on XXXX 's part, it was found that it would need to stop payment and reissue the check to Chase . Today, after hours on the phone with Chase, they said " no, your account is open and charges are occurring. '' So a balance transfer account isn't a balance transfer account, according to Chase Bank. Now it looks to the credit reporting industry and XXXX that I have two XXXX accounts when in fact I am supposed to have only one. Chase is charging interest and late fees on its account. So I had to close accounts to avoid further charges to the XXXX XXXX, notify XXXX that this was happening, and demand the immediate closure of the XXXX XXXX  ( Chase ) account. Chase did not recognize the balance transfer or account balance decrease to XXXX. The situation has caused a decrease in my XXXX score from XXXX to XXXX. I had no intention of having two XXXX accounts, nor of keeping the Chase account open following the balance transfer to the new XXXX XXXX. Please advise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: FL

Complaint narrative:
A charge-off indicates cancellation of the debt by the original creditor, which, according to the IRS, requires the issuance of Form 1099-C and is treated as canceled debt income. Once canceled, that debt can no longer be legally pursued as collectible. Any attempt to report or collect on a canceled debt may constitute tax fraud and unlawful credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: Ocwen Financial Corporation
State: OK

Complaint narrative:
On XX/XX/year>, I made a recorded phone call to PHH Mortgage formally requesting that they stop reporting my mortgage account to credit reporting agencies. I specifically invoked my rights under 16 CFR 313.3 of the Gramm-Leach-Bliley Act ( GLBA ), which grants consumers the ability to revoke consent for the sharing of nonpublic personal information with third parties.

I made it clear that I was not disputing the accuracy of the tradeline but formally revoking my permission for PHH Mortgage to continue sharing my financial data with XXXX, XXXX, and XXXX. 

The representative denied my request on the call, stating that PHH would continue to report the account. I was told I would receive a formal written response denying my request within 15 days. 

PHH is currently reporting missed payments for XXXX, XXXX, XXXX, and XX/XX/year>. These entries are harmful to my credit profile and are being furnished to third parties without my consent, in a manner inconsistent with my rights under federal privacy law. 

While the Fair Credit Reporting Act permits voluntary reporting, it does not require mortgage servicers to share consumer data. By refusing to honor my GLBA-based revocation of consent, PHH is contributing to ongoing harm to my financial reputation.

I respectfully request the CFPB to investigate this matter and take the following actions : Confirm whether PHH is required to continue reporting this account Determine whether their refusal violates consumer privacy rights under GLBA Require PHH Mortgage to cease reporting my personal information to credit bureaus Secure written confirmation that my revocation of consent will be honored

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: TX

Complaint narrative:
I am filing this complaint regarding the failure of Experian and Equifax to comply with federal laws under the Fair Credit Reporting Act ( FCRA ). Both credit bureaus are inaccurately reporting information on my consumer credit file. The errors persist despite previous dispute attempts and violate FCRA Sections 607 ( b ) and 611 ( a ). Below is a list of the accounts in question : Account Name Creditor Date Opened Balance Violation XXXX XXXX Miscellaneous Finance XX/XX/XXXX {$1400.00} Incomplete/Outdated Payment History XXXX Personal Loan Companies XX/XX/XXXX {$1600.00} Charge-Off Without Proper Dispute Resolution XXXX XXXX Other Collection Agencies XX/XX/XXXX {$350.00} Still Reported as Derogatory After Dispute XXXX  Factoring Companies XX/XX/XXXX {$950.00} Conflicting Reporting & Status Across Bureaus XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} Duplicate Account Inconsistently Reported XXXX Auto Dealers, Used XX/XX/XXXX {$0.00} Paid Charge-Off / Inconsistent Status Across CRAs These items reflect the failure to ensure maximum possible accuracy, timely updates after disputes, and consistency across all reporting bureaus. I am requesting that the Consumer Financial Protection Bureau investigate these reporting violations and ensure Experian and Equifax correct or delete the inaccurate entries as required by law.

Company response to consumer: Closed with non-monetary relief