vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-24 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have been disputing a debt that has never been properly verified as mine ( no signature and no payment history from me ). This debt has been repeatedly sold and transferred between different collection agencies, finally purchased by Portfolio Recovery Associates on XX/XX/XXXX. This debt also contains inaccurate information regarding the original date it was opened. I have supporting documentation that this account was opened XX/XX/XXXX. Despite this, XXXX  has not provided meaningful assistance and appears to consistently side with Portfolio Recovery Associates without proper investigation. Also, Portfolio Recovery Associates has not provided nor verified with proof that this account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint against the credit bureaus regarding inaccurate and unauthorized information being furnished on my credit reports. I disputed the following collection accounts, but the credit bureaus failed to properly investigate or correct the errors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I submitted detailed Metro 2 compliance dispute letters outlining each specific reporting violation. I also formally requested validation and documentation related to the reporting of these accounts. However, I received no meaningful response or documentation supporting the accuracy of the accounts from the bureaus. Despite clear evidence of inaccuracies, including lack of proper verification, the credit bureaus concluded their investigations without making any corrections. These accounts are unauthorized, inaccurately reported, and continue to damage my credit standing. According to 15 U.S.C. 1681i, Paragraph ( XXXX ), if a consumer disputes any information and it is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Guild Holdings Company
State: AZ

Complaint narrative:
I am a homeowner in Arizona experiencing temporary financial hardship due to job loss and reduced household income. I contacted Guild Mortgage to explore options to avoid falling behind on my mortgage. I explained my situation and asked about hardship support, including forbearance or loan modification. 

I was told that no options such as forbearance or loan modification are available unless I am 61 days delinquent. The only option offered was a payment plan, which would require me to make higher payments by combining the missed month with the current one. This feels counterproductive if I can not afford XXXX full payment this month, I certainly can not afford XXXX in the near future. 

I am trying to prevent delinquency and credit damage by being proactive. The policy of requiring borrowers to fall over XXXX  days behind before any meaningful help is available seems punitive and discouraging. It feels like I am being forced to damage my credit and risk foreclosure in order to even qualify for help. 

I am not disputing a transaction I am seeking reasonable hardship support that many servicers offer under federal guidance, especially when a borrower reaches out before defaulting. I am asking for a fair and proactive review of hardship options before my account becomes seriously delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I have previously disputed with XXXX XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor 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 badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
On XX/XX/year>2025, I placed an order for several candles for {$36.00} with what I thought was XXXX XXXX XXXX in the XXXX. A receipt flashed across the screen that said I paid with XXXX in XXXX and that I lived in California. I then realized it was a scam and called BMO Bank to report the scam charge and cancel my credit card. To replace the card I went to a BMO Branch that same morning and again explained what happened. XXXX XXXX helped me, she told me to contact her if the charge posted and she would file a dispute on my behalf. I contacted her on XX/XX/XXXX and told her the charge had posted & to file the dispute. I don't know what it said & didn't receive a copy. On XX/XX/XXXX, my account was credited with {$36.00} & the description was Adjust Customer. I thought the ordeal was over. On XX/XX/XXXX, I received a letter from BMO saying they would be denying the dispute and charging my account {$36.00} on XX/XX/XXXX. On XX/XX/XXXX, I sent XXXX an mail saying I wished to dispute the claim further. I didn't here back from her & thought she might be on vacation. On XX/XX/XXXX, I went to another branch of BMO and asked to speak to someone about the dispute denial. XXXX XXXX helped me and seemed annoyed I had not returned to the other branch. She gave me copies of what was used to determine the charge was valid. I see several red flags with the paperwork. I didn't pay with XXXX XXXX. I don't have XXXX account. I do not live in California. I didn't order one candle. The items were delivered on XX/XX/XXXX. I didn't receive anything. The seller sent a message with a tracking number, after the item was supposed to have been delivered, that just so happens to end with XXXX, the same as the amount in question. BMO should not have authorized the transaction, as it was highly suspicious from the beginning. Since I called to report the charge as a scam as soon as it happened, the charge should not have been allowed to post to my account. The dispute in question is 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 monetary relief
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
While I was on vacation the week of XXXX, on XX/XX/XXXX I received multiple alerts form my credit monitoring companies that I had applied for credit with these banks on the same day XX/XX/XXXX. Somehow these inquiries have gotten on my report without my consent or myself applying for credit from these banks. I'm asking that Equifax immediately remove these inquires ASAP that's in a result of a data breach or ID Theft ( see Attached ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX As you can see, I haven't applied any new credit in almost 2 years. We plan on shopping for a home for our family and this will hold up the process, if there are unauthorize inquiries on my credit file. This will hurt my interest rate and hurt our ability when we ready to apply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am filing this complaint because I was a victim of a fraudulent investment scheme, and PayPal has denied my buyer protection claim without justification. I submitted multiple disputes related to the same scam, involving the same recipient and series of transactions. 

While PayPal approved my smaller transactions, they denied the largest claim and closed the case in the sellers favordespite having all the same evidence and context. I filed my claims in order from largest to smallest, and this seems to have negatively impacted the review. 

PayPal has now stated I am no longer protected under their Buyer Protection Policy due to too many claims, which is unacceptable. This fraud scheme has impacted over 1,000 individuals, and I have evidence that many had their claims honored by PayPal for the same fraudulent party.

I respectfully request that CFPB investigate PayPals handling of this case and require them to : 1. Reopen and properly evaluate my claim, 2. Apply their policy fairly and consistently, 3. Provide a full refund for the denied transaction. 

Case ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-24 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: DC

Complaint narrative:
I submitted a proper identity theft report and supporting documentation under FCRA 605B to Transunion on XX/XX/XXXX, via certified mail. The documents included my FTC Identity Theft Report, government-issued ID, and a list of fraudulent accounts. 

According to FCRA 605B, the credit bureau must block fraudulent information within XXXX business days of receiving such documentation. Despite confirming delivery, Transunion has not removed the fraudulent accounts. 

List of Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  received the same documents and removed the accounts in compliance with the law. This shows that my request was valid and complete. 

Transunion 's refusal to remove the fraudulent items constitutes a violation of FCRA 605B. I am requesting immediate removal of the fraudulent accounts, correction of any associated inquiries or remarks, and a written confirmation of the resolution.

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 2025-07-24 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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 have submitted multiple formal dispute letters to Experian Information Solutions Inc regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-07-24 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: NC

Complaint narrative:
Pursuant to 15 U.S.C. 1681c-3 and 1681c-2, you are required by law to block or remove any item identified as a result of human trafficking within XXXX ( XXXX ) business days of receiving this request and documentation. This is my XXXX attempt submitting a report and I am told by the bureau my previous report number was invalid but when I cross referenced with CFPB, it shows as valid. The creditors with accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation