vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
I was scammed out of {$100.00} through Cash App. I was told that if I sent a certain amount, I would receive a larger amount back in return. After I sent the money, the person completely stopped responding and disappeared. I tried to report this to Cash App, but they said they couldnt help me since it was considered a family and friends transaction. I added the money to Cash App directly from my XXXX XXXX  account. I feel like I was tricked and taken advantage of, and I urgently need this money returned. Please help me recover the {$80.00} that was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fig Tech Inc.
State: CA

Complaint narrative:
I am writing to dispute the reporting of this account on my credit report. I paid the balance in full on XX/XX/year>, in an effort to improve my credit score. However, immediately after making this payment, the account was flagged as a charge-off and marked Paid, Closed. {$59.00} Written Off. Prior to that, there was no charge-off reporting or activity shown on the account for over a year. The charge-off was added in the same month I paid, which is inaccurate and misleading. It appears the negative status was triggered by my payment, not an actual event of non-payment at that time. As a result, my credit score dropped significantly after doing the right thing and resolving the balance. I previously disputed this with XXXX, but they responded stating the information was accurate which it clearly is not. I am requesting that the charge-off status be removed or corrected to reflect the true payment history and that this item be updated or removed from my credit report immediately, because I already paid it off and resolved the issue. Reporting it as a charge-off after full payment is false, damaging, and violates my rights under the Fair Credit Reporting Act ( FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NH

Complaint narrative:
I am filing this complaint against Nelnet due to severe and unjust negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect over 120 days late payment entries from Nelnet. Which has caused my credit score to drop by over XXXX points. this action was take without any prior notice. warning or correspondence. I did not receive any email letter or alerts informing me of this drastic change before it was reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CO

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 2025-05-21 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: CO

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 2025-05-21 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: CBC Companies, Inc.
State: MD

Complaint narrative:
b'In accordance with the Fair Credit Reporting act.  I am a Victim of Identity Theft see report No. XXXX XXXX XXXX. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C. 1681.  These accounts are inaccurate and not known to me. Inquires: 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. Public Records: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 has violated my rights.  \nThese Accounts Must be removed, deleted and blocked.\n15 U.S.C.  1681 Section 602 A, states I have the right to privacy.\n15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency cannot furnish an 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 and crimes which antedates the report by 7 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.  \n\nAttached are copies of the following documents to assist in processing my request:\nA copy of my government-issued identification card.\nA copy of the Identity Theft Report filed with the Federal Trade Commission. (See the personal statement section for additional accounts)'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXXXXXX  Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate/Incompletely Reported Information Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute inaccurate and/or incomplete information on my Equifax credit report, confirmation number XXXX. This is a request for investigation under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Specifically, I am disputing the following accounts : -- - XXXXXXXX XXXX XXXX XXXX XXXX ( Acct # : XXXX ) XXXX XXXX - The account is reported as a charge-off account with the date of first delinquency listed as XX/XX/XXXX. 
- According to the FCRA ( 15 U.S.C. 1681c ( a ) ( 4 ) ), charge-off information may not be reported for longer than 7 years plus 180 days from the original delinquency.

- The account has not had any valid updates since the last payment in XXXX, yet it remains active on my report in XX/XX/XXXX, potentially impacting my creditworthiness inaccurately. 
- Please delete or correct this account based on statutory time limits and account status. 

-- - XXXX. XXXX XXXX XXXX  ( Acct # : XXXX ) XXXX XXXX - The account reflects a negative available credit of XXXX, which is a factual impossibility on a closed or charged-off revolving account. 
- This violates the accuracy standard of the FCRA ( 15 U.S.C. 1681e ( b ) ) and the furnishers duties under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) to avoid reporting inaccurate information.

- Additionally, this negatively skews my credit utilization ratio and financial health depiction, which further constitutes harm under inaccurate reporting standards. 

-- - Please conduct an investigation under 15 U.S.C. 1681i ( a ) and correct or remove the inaccurate information. If you find the information is indeed inaccurate, incomplete, or unverifiable, I request that it be * * deleted entirely * * from my credit report.

Additionally, if these accounts are verified, I respectfully request that you provide : - The full method of verification. 
- The name and address of each data furnisher. 
- Any documentation provided by the furnisher that supports their claim. 

I have enclosed a copy of my credit report highlighting the disputed entries. 

Sincerely, XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Problem Description : I am reporting six unauthorized transactions made through my PayPal account totaling {$140.00} USD, distributed as follows : ( {$22.00} ) Transaction ID : XXXX ( {$23.00} ) Transaction ID : XXXX ( {$24.00} ) Transaction ID : XXXX ( {$25.00} ) Transaction ID : XXXX ( {$26.00} ) Transaction ID : XXXX ( {$27.00} ) Transaction ID not available at the moment. 

The issue began when my mobile phone was hacked, and the perpetrator accessed my PayPal account ( email : XXXX ). The hacker made these transactions using the same device and later admitted to the breach. 

Despite opening a dispute with PayPal, the seller ( email : XXXX ) failed to respond and provided no proof of delivery or supporting documentation. Nonetheless, PayPal denied my refund request.

I believe PayPal has failed in its responsibility to protect my account and funds, ignored the admission of the breach, and accepted a transaction with no evidence from the seller.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-21 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: PA

Complaint narrative:
XXXX XXXX XXXX reported a charge-off but left out a payment month, making it incomplete. XXXX XXXX is also showing on my report, but I dont recognize this account. Both are inaccurate and should be removed.

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 2025-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving 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 non-monetary relief
Consumer complaint received 2025-05-21 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: MS

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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 confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-21 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: MS

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a formal follow-up complaint regarding a XXXXXXXX XXXX XXXX  still being reported on my TransUnion credit report under Reference Number : XXXX. The presence of this public record continues to cause damage to my credit profile, despite the passage of time and a lack of verifiable documentation to justify its ongoing inclusion. I have previously submitted disputes and requested that TransUnion verify the legitimacy, accuracy, and completeness of this XXXX  record. However, the responses I received have been generic and void of any supporting evidence from the original sourcenamely the XXXX  court. Under the Fair Credit Reporting Act ( FCRA ), TransUnion is obligated to go beyond surface-level verification and must investigate thoroughly using verifiable documentation directly from the original furnisher.

According to 15 U.S.C. 1681i, credit reporting agencies are required to perform a reasonable reinvestigation of disputed information, and if the information can not be verified, it must be deleted promptly. Additionally, per 15 U.S.C. 1681c ( a ), outdated or unverifiable public records that continue to negatively impact a consumer 's file must be removed. In the current climate of widespread data breaches, there is a legitimate concern that this public record may have been reported or linked inaccurately, either due to file contamination or misidentification. Unless TransUnion can produce a verifiable and certified copy of the original bankruptcy filing sourced directly from the court, its continued reporting is not only misleading but unlawful.

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 2025-05-21 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: TX

Complaint narrative:
I am submitting a complaint regarding the inaccurate reporting of one or more charged-off accounts on my Experian credit report.

The issue is that once an account is charged off, it should no longer reflect a " past-due '' balance. A charged-off account means the creditor has closed the account and written it off as a loss. Therefore, it is incorrect and misleading to report it as both charged off and past due at the same time. These two statuses are mutually exclusive under standard credit reporting guidelines.

This inaccurate reporting is misleading to other lenders and negatively impacts my credit profile. I am requesting that the account ( s ) be corrected to remove any reference to a past-due balance if the account is already marked as charged off.

I have also requested the 1099-C from the original creditor.

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 2025-05-21 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: CA

Complaint narrative:
This is a follow-up complaint to ensure this issue is tended to promptly. I am disputing a charge-off account being reported under the name XXXX XXXX XXXX Number XXXX XXXX XXXX XXXX XXXX XXXX ) with a reported charge-off date of XX/XX/year> and a balance of {$0.00}, which is currently appearing on both my TransUnion and XXXX  credit files. This account has long been closed with a XXXX balance, and its continued reporting as a derogatory charge-off is both misleading and materially inaccurate. A charge-off implies a loss to the creditor and a delinquency on my part, yet this account shows a {$0.00} balance. If the debt has been resolved, there is no justifiable reason for this account to continue reporting as a charge-off. 

This discrepancy raises serious concerns about the accuracy and integrity of the information maintained by TransUnion and XXXX. Under 15 U.S.C. 1681i, both bureaus are required to conduct a full and proper reinvestigation of disputed items and to delete or correct any information that is incomplete, inaccurate, or unverifiable. Moreover, under 15 U.S.C. 1681e ( b ), they are legally obligated to maintain maximum possible accuracy. The ongoing reporting of a charge-off with a {$0.00} balance suggests that no actual reinvestigation occurred, or worse, that they relied solely on unverifiable or incomplete data provided by the furnisher. This type of reporting is deceptive, harmful, and may have stemmed from wider systemic issues including unaddressed data breaches.

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