vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 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: NY

Complaint narrative:
The account was charged off in XXXX, but it continues to be updated with late payments and balance activity through XXXX. XXXX reported the account as closed on XX/XX/XXXX, and then again on XX/XX/XXXX, XXXX is inconsistent and misleading. 

I am disputing inaccurate and misleading credit reporting related to my former auto loan account with XXXX XXXX XXXX. The account was charged off in early XXXX following my last payment on XX/XX/XXXX. However, XXXX has continued to report new derogatory information and conflicting status updates nearly XXXX years after the charge-off. 

Specifically : XXXX. XXXX originally reported the account as closed on XX/XX/XXXX. 
XXXX. They then updated the account again as closed on XX/XX/XXXX. 
This discrepancy is inaccurate and may represent re-aging of the debt, which violates the Fair Credit Reporting Act ( FCRA ). 
XXXX. They continue to report monthly late payments and a balance of {$48000.00} through XXXX despite the charge-off occurring in XXXX. 
This creates the false appearance of an active account, which is both misleading and damaging. 
XXXX. The account shows a 98 % remaining balance without reflecting a write-off, transfer, or collection status. 
XXXX. This inaccurate reporting is negatively affecting my credit score and misrepresents the true status of this debt. 

I have attempted to dispute the issue with the credit bureaus, but XXXX continues updating the account with this incorrect information. Im requesting a full investigation and correction.

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX : Demand for Immediate Deletion and Blocking of Inaccurate and Unverifiable Accounts Under FCRA 611 & 605B To Whom It MRay Concern, This is a formal demand, pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., that you immediately delete and block the reappearance of the following inaccurate, unverifiable, and derogatory accounts from my credit report. These entries have caused material harm to my credit standing and do not meet the standard of accuracy or verifiability required by federal law. 

Accounts to Be Deleted and Blocked : XXXX XXXX Account # : XXXX Status : Charged off, XXXX late payment entries XXXX  XXXX Account # : XXXX Status : Charged off, XXXX late payment entries XXXX  XXXX XXXX XXXX  Account # : XXXX Status : Closed, XXXX late payment entries XXXX XXXX XXXX Account # : XXXX Original Creditor : Just XXXXXXXX XXXX XXXXXXXX Status : Collection XXXX XXXX XXXX Account # : XXXX Original Creditor : XXXX XXXX  Status : Collection Legal Justification : Under FCRA 611, any credit item that is inaccurate, incomplete, or can not be verified must be removed from a consumers credit report. Additionally, under FCRA 605B, I am requesting that these disputed entries be blocked from further appearance on my credit report unless the furnisher provides irrefutable documentation that meets legal standards.

I hereby request : Immediate reinvestigation of each account listed above ; Removal of any item that can not be verified with original documentation ; Written confirmation of deletion within 30 days of receipt of this letter ; Compliance with FCRA 611 ( a ) ( 5 ) regarding reinserted data ( including proper certification and notification to me in writing ).

Failure to Comply : Failure to respond within the statutory 30-day period will result in immediate complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , and XXXX  Attorney Generals Office. I also reserve the right to take civil action under FCRA 616617 for willful noncompliance, which may include statutory and punitive damages and attorneys fees. 

Sincerely, XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX SSN : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX

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 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: NV

Complaint narrative:
I opened XXXX secured credit cards with First Progress / First Latitude, each with a {$200.00} deposit. Without notifying me or requesting consent, they added a {$100.00} annual fee to each account - despite the cards being inactive. 
This led to unjustified late payment reporting. I contacted the issuer, and they agreed to waive the charges and refund the full deposits. Both accounts were closed in good standing, and I received confirmation of {$0.00} balances. Despite this, First Progress refuses to remove the late payment marks from my credit report, even though they admitted wrong doing by waiving the fee 's and refunding my money that i funded the accounts with.. 
These late entries are inaccurate and unfair, resulting in a credit score drop of over XXXX point. I am requesting the CFPB to require First Progress to remove these derogatory entries and correct my credit history accordingly. 

the only reason i went to this company was to raise my credit score and all they did was ruin my score and lower it by XXXX popints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XXXX XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Identity Theft per 15 U.S. Code 1681c-2 Dear [ Equifax / Experian / TransUnion ], I am writing to formally dispute and request the permanent blocking and deletion of fraudulent accounts on my credit report in accordance with 15 U.S. Code 1681c-2 ( FCRA Section 605B ).

The following accounts were opened fraudulently without my knowledge or consent : XXXX. XXXX XXXX XXXXXXXX Account ending in XXXX XXXX. XXXX Account ending in XXXX XXXX. XXXXXXXX XXXX  Account ending in XXXX XXXX. XXXX Account ending in XXXX These accounts are the direct result of identity theft. 
In accordance with FCRA 1681c-2, I am exercising my right to request that these items be permanently blocked and removed from my credit file. Per the statute, I am providing all legally required documentation : My FTC Identity Theft Report ( serves as a valid identity theft affidavit ) A copy of my valid government-issued photo ID A copy of my Social Security card A recent utility bill or bank statement as proof of address Note : Under federal law, a police report is not required to exercise my rights under this section of the FCRA. 
You are legally obligated to block these items from my credit report within 4 business days of receiving this complete documentation, and I expect written confirmation once this is completed.

Failure to comply may result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and FTC, and pursuit of legal remedies under the FCRA. 
Thank you for your prompt and lawful handling of this matter. 

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 2025-05-25 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XXXX XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Identity Theft per 15 U.S. Code 1681c-2 Dear [ Equifax / Experian / TransUnion ], I am writing to formally dispute and request the permanent blocking and deletion of fraudulent accounts on my credit report in accordance with 15 U.S. Code 1681c-2 ( FCRA Section 605B ).

The following accounts were opened fraudulently without my knowledge or consent : XXXX. XXXX XXXX XXXXXXXX Account ending in XXXX XXXX. XXXX Account ending in XXXX XXXX. XXXXXXXX XXXX  Account ending in XXXX XXXX. XXXX Account ending in XXXX These accounts are the direct result of identity theft. 
In accordance with FCRA 1681c-2, I am exercising my right to request that these items be permanently blocked and removed from my credit file. Per the statute, I am providing all legally required documentation : My FTC Identity Theft Report ( serves as a valid identity theft affidavit ) A copy of my valid government-issued photo ID A copy of my Social Security card A recent utility bill or bank statement as proof of address Note : Under federal law, a police report is not required to exercise my rights under this section of the FCRA. 
You are legally obligated to block these items from my credit report within 4 business days of receiving this complete documentation, and I expect written confirmation once this is completed.

Failure to comply may result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and FTC, and pursuit of legal remedies under the FCRA. 
Thank you for your prompt and lawful handling of this matter. 

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 non-monetary relief
Consumer complaint received 2025-05-24 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: MI

Complaint narrative:
* * Complainant Name : * * XXXX XXXX * * Date of Complaint : * * XX/XX/XXXX * * Bankruptcy Chapter : * * XXXX  XXXX * * Bankruptcy Filing Date : * * XX/XX/XXXX * * Bankruptcy Discharge Date : * * XX/XX/XXXX * * Bankruptcy Court : * * XXXX XXXX of Michigan * * Case Number : * * XXXX Complaint Summary : I filed for XXXX XXXX bankruptcy on XX/XX/XXXX, and my debts were fully discharged. 
on XX/XX/XXXX in the XXXX XXXX XXXX Michigan Bankruptcy XXXX, Case Number XXXX. 

Despite this, the following creditors are still inaccurately reporting these debts on my credit. 
reports as active, charged-off, delinquent, or in collections : - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were clearly included in my bankruptcy and should reflect a {$0.00} balance and not show collection or " adverse '' status.

This inaccurate reporting violates : - 11 U.S.C. 524 ( a ) ( 2 ) : the bankruptcy discharge injunction - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : prohibition against furnishing inaccurate information - 15 U.S.C. 1681i ( a ) : requirement for reinvestigation of disputed information I have already sent formal disputes to the creditors and all three credit bureaus, including my bankruptcy discharged papers. The accounts remain uncorrected, which is impacting my ability to rebuild my financial life post-bankruptcy.

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 2025-05-25 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: FL

Complaint narrative:
I am disputing an account reported by XXXX XXXX XXXX that appears on my credit report with a reported opening date of XX/XX/year>, and a current balance of approximately {$13000.00}. 

I do not recognize this account, did not authorize this loan, and have never done business with XXXX XXXX XXXX. I became aware of this account after reviewing my credit report in XX/XX/year>. 

I did not open this account and did not receive any loan, funds, services, or products related to it. I believe this account may have been opened fraudulently or reported in error. 

I am requesting that the credit bureaus investigate this matter, verify the account with the creditor, and remove it from my credit report if it can not be verified with proper documentation of my consent. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Company allowed seller to use their platform to send me counterfeit items. PayPal requested proof of this and opened a claim to recover my money. After providing PayPal with PROOF of counterfeit items via certificate of authenticity from independent sources IN ADDITION to correspondence between the seller and I where the seller admits to the items being counterfeit and not as described and agreeing to issue me a full refund, PayPal still denied the claim. This seller account is still active on PayPals platform where they are able to continue to defraud customers by way of counterfeit items and PayPal doesnt nothing to protect the buyer. It doesnt matter if Ive XXXX XXXX or XXXX disputes in the past, each claim should be looked at separately and individually with the evidence for that particular claim being the determining factors in deciding that particular claim. PayPal received proof of this scam and fraud from the seller who uses their platform to funnel money from unsuspecting buyers and therefore PayPal is complicit and are just as guilty as this seller. I want my money refunded as this particular claim contains ample proof that the seller scammed and defrauded me. I did not agree to counterfeit items so yes the purchase is unauthorized. I did not authorize my card to be used for counterfeit items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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:
There is a bankruptcy being reported on my credit report that is inaccurate. I reached out to the bankruptcy court and was informed they do not report bankruptcies to the credit bureaus. Therefore, the information is being reported without proper verification and must be removed under FCRA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: GA

Complaint narrative:
The items in question are late child support payments through the Texas Attorney General 's Office. I requested the entire payment history from the time the account was opened with the Texas Attorney General 's Office until the time that I had disputed it with the credit bureaus. The Texas AG provided me with those records. Experian deleted the remarks, but Transunion and Equifax will not. 

Also, child support was declared unconstitutional in a Minnesota Supreme Court ruling for violating the separation of powers required by the Minnesota Constitution in Article 3 Section 1. Furthermore, child support agencies ' actions are also unconstitutional due to lack of probable cause.

The full faith in credit clause requires every state as a part of a single nation to give a certain measure of respect to every other state 's laws and institutions per Article 4 Section 1.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Complaint Narrative for CFPB Filing Approximately 2426 days ago, I submitted a formal written request to Early Warning Services ( EWS ) via mail for my full consumer file disclosure under the Fair Credit Reporting Act ( FCRA ). To date, I have received no response. This lack of compliance is unacceptable and potentially unlawful. 

Today, I followed up with a formal legal notice and demand, accompanied by full identifying documentation. Based on the systemic banking disruptions Ive facedfrom abrupt account closures, withheld funds, and de-platforming by multiple institutions including XXXX, XXXX XXXX XXXX XXXX XXXXXXXX now appears highly likely that Early Warning Services is the source of damaging and defamatory information that is being shared across the financial system without my knowledge or recourse. 

If confirmed, this would constitute a serious violation of federal law, and I am requesting that the Consumer Financial Protection Bureau escalate this matter to its enforcement division for investigation. 

I believe there has been an unlawful or malicious actwhether by an individual, internal employee, or financial institutionresulting in a false report or risk flag propagated through EWS or its affiliates. I intend to pursue civil and potentially criminal liability against the party responsible once identified.

As an individual with XXXX XXXXXXXX, protected under the Americans with Disabilities Act ( ADA ), I have faced extraordinary hardship from these banking actions, which have impacted both my personal financial stability and my ability to operate a lawful small business. The emotional distress and disruption to my livelihood have been overwhelming, and I believe this situation deserves immediate federal scrutinynot just because of whats happened to me, but because of how vulnerable Americans may be systematically harmed by unregulated and opaque reporting systems.

I request : That the CFPB compel Early Warning Services to produce my full consumer file That any violations of FCRA, ADA, or other federal protections be reviewed for enforcement action That the CFPB monitor and prevent further unlawful dissemination of data that may be causing repeated financial discrimination and institutional retaliation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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