vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: NY

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-02 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:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-02 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: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
I was blindsided by a wage garnishment from CBE Group Inc. that I was never notified about in advance. I was not given any prior notice, no opportunity to dispute the debt, and I have never received any court paperwork or documentation explaining what the alleged debt is. 



I do not recognize this debt, and I believe the garnishment is improper and possibly illegal. On XX/XX/year>, I mailed a certified letter to CBE Group formally disputing the debt and requesting full validation under the Fair Debt Collection Practices Act. They received the letter ( tracking number : XXXX ), but they have not responded at all. 



Despite this, they continue to garnish my wages. I am asking for the Consumer Financial Protection Bureau to intervene immediately to stop this garnishment until proper legal validation is provided and to investigate whether my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: IL

Complaint narrative:
I filed XXXX [ XX/XX/XXXX ] bankruptcy on XX/XX/XXXX, and included XXXX XXXX XXXX ( XXXX ) in the filing. Despite this, Experian is reporting inaccurate and derogatory information related to this account. 

Specifically, Experian is showing the XXXX auto loan as charged off with a balance of over {$22000.00} and falsely marking it as past due as of XX/XX/XXXX. This is more than a year after my bankruptcy filing, in clear violation of the Fair Credit Reporting Act ( FCRA ) and the U.S. Bankruptcy Code. 

XXXX acknowledged the reporting error in writing on XX/XX/XXXX, to you guys Complaint # XXXX and confirmed that they submitted a correction to the credit bureaus. The Illinois Department of Financial and Professional Regulation ( IDFPR ) confirmed on XX/XX/XXXX, that the account was inaccurately reported and should reflect the bankruptcy which was corrected. 

Despite this, Experian re-reported the false information again as of XX/XX/XXXX. I sent a formal written dispute to Experian via Priority Mail with tracking and signature, which they received. Over 30 days have passed, and they have not corrected or deleted the inaccurate data. 

This conduct violates : FCRA 611 Failure to correct or delete inaccurate information after dispute FCRA 623 ( a ) ( 1 ) Reporting information known to be inaccurate FCRA 611 ( a ) ( 5 ) ( B ) Reinsertion of deleted/corrected information without notice Bankruptcy Code 524 Reporting post-petition debt as due I am requesting immediate enforcement action and full correction or deletion of this account from my Experian credit report. I am also requesting that Experian be held accountable for willful noncompliance with federal law.

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 2025-07-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: PayTomorrow, LLC
State: VA

Complaint narrative:
On XX/XX/year> we ordered a washer from XXXX who uses PayTomorrow for financing. This turned out to be a rather scammy and dissipative company rather than an XXXX like XXXX lender. This lender uses a XXXX and a Loan but only shows you the information and interest rate for the loan when checking out, you end up paying more than double what the cost of the item was. 

On XX/XX/year> we made manual paymernts to the account, This payment shows up nowhere online, it as there is no payment history or anything or their online portal only a " last payment '' rather than allowing the consumer to see all payments. 

We called Paytomorrow about this and said yeah we don't credit them instantly even though you paid with a credit card. They only credit your account, not once our bank sends it to theirs but only once their bank processes it fully and sends it to them for release we must wait for their payout periods to process for their merchant before they count them. 

This payment never actually credited or counted toward the next payment. I had to call Paytomorrow again on XX/XX/year> and they manually processed this payment and credited it to the next payment. They stated we would have to call them each time we make a payment once the money gets to them for the payment to be credited and applied to the next payment, it will never be automatically applied when making a payment. 

Lastly, on Monday XX/XX/year> I emailed paytomorrow to disable the autopay on our account as with us making manual payments and them not applying them correctly there is a high chance of them double billing us with the autopay. I received no reply. I also sent a second follow up email to disable autopay as under US Law when giving a 3 day notice they must cancel the auto pay even if auto pay was perviously agreed to. We plan on making manual payments, I formally revoke my authorization for automatic payments from my account for the service associated with Plan XXXX. They did not reply to this email either. We called to disable this autopay on XX/XX/year> and they said that they do not have to follow US Law and will not disable auto pay, and manual payments can and may result in double payments. 

We have canceled the cards on file and will not make any further payments until autopay is disabled as requested. You are required to follow US Law, along with Virginia law where I am a resident

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
I am filling this complaint under the Fair Credit Reporting Act ( FCRA ) due to the willful noncompliance of the credit bureaus and data furnishers in properly investigating my disputes, as required under 15 U.S.C 1681i and 15 U.S.C. 1681s-2 ( b ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation and have continued to report incorrect information on my credit report. Furthermore the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus.The Consumer Financial Protection Bureau filed a lawsuit against Transunion for it's failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify customers about investigation results effectively. Please review the inaccurate information being report ; XXXX {$130.00}.

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 non-monetary relief
Consumer complaint received 2025-07-02 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: KS

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-02 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: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I'm in the process of selling my company and my attoreny informed me that there is a UCC lien filed under our compnay name. The lien was filed by TIAA, XXXX  based in XXXX, NJ. The colleteral listed is three XXXX XXXX XXXX, which our company never purchased. To mu knowledge, we never had any contract or dealings with the bank.

I've contacted them multiple times over the the past month, but phone and email, but have not received any resolution.

As a result, I am unable to proceed with the sale of my company until this issue is resolved.

I'm reaching out to you in hopes that they will respond if request comes from your office.

Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
Subject : Dispute of Incorrect Debt Collection for {$190.00} Dear CFPB, I am writing to dispute a debt collection of {$190.00} being pursued by PayPal in coordination with XXXX XXXX XXXX XXXX. This debt is based on a false claim regarding a supposed purchase of a website, which is inaccurate and misleading. 

The funds in question were originally sent through PayPal on XX/XX/year>, for the purchase of a XXXX gaming account, not a website as XXXX XXXX said on the paypal claim/dispute for the original amount of {$180.00}. The seller of that account was XXXX XXXX XXXX XXXX ( whose nickname ingame is Pandemia ), and the buyer was XXXX XXXX ( whose nickname ingame is XXXX XXXX, the boyfriend of XXXX XXXX, XXXX XXXX ( whose nickname ingame is Fast ), was the one who received the account and XXXX was the one who later filed the claim. 

Since XXXX XXXX did not have a PayPal account, I, as a neutral third party, simply received the payment and forwarded it to him via XXXX as a favor. I was not involved in the sale or delivery of the account. XXXX successfully delivered the Valorant account to XXXX and XXXX, and they used it without any reported issues. 

Weeks later, XXXX XXXX filed a dispute on PayPal, falsely claiming she did not receive a " website service. '' As a result, the funds were reversed from my PayPal account, and now I am being pursued for a debt I do not owe. 

To support my case, I am attaching the following evidence : 1. Screenshots of the Discord conversation between Me, Pandemia ( XXXX XXXX ) and Fast ( XXXX XXXX ) clearly confirming that the transaction was for a Valorant account, not a website. 

XXXX. XXXX transfer receipts showing the payment sent to XXXX XXXX ( XXXX XXXX / XXXX ). 

XXXX. PayPal transaction records confirming I only acted as an intermediary.

This situation has caused me unnecessary financial and emotional stress, and I respectfully request that this debt be invalidated. 

Thank you for your time and assistance. 

Sincerely, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG HOLDINGS INC
State: MI

Complaint narrative:
The caller said they mailed a legal notice to my home which I never received. They said it was regarding a leasing company called Why Not Lease and that I may have rented/ leased some industrial equipment that I never returned or paid for. I explained to them that I have no idea what they are talking about because I have never rented any industrial equipment or furniture from anywhere. Their contact number came across my caller ID under Scam Likely and the caller responded as if I were lying to them about that. They started talking aggressively trying to speak over me and said that they dont have time to argue with someone who sounds like me. They then threatened to freeze any bank accounts that I have linked to whatever account they have on file regarding this matter in the amount of {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$29000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00}

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 2025-07-02 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: GA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX A # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation