vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-08-07 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: NY

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: LEXISNEXIS
State: NY

Complaint narrative:
in XXXX I filed for XXXX  I notice it has been on my credit report for XXXX I contacted the courts and they are telling me they never reported to my credit I contacted LexisNexis and was told they can not remove this from my credit till XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am not able to access the links provide by Experian, nor am I able to access my dispute results on experian.com. I keep getting a message that the results are not available online. I tried calling and was not able to get through to a representative. 


XXXX XXXX, The results of the processing of your dispute ( XXXX ) are now available. View the results instantly online. 
For your protection, the results will be available online for 30 days. 
Your Report Number is : XXXX Your Investigation ID is : XXXX XXXX XXXX, The results of the processing of your dispute ( XXXX ) are now available. View the results instantly online. 
For your protection, the results will be available online for 30 days. 
Your Report Number is : XXXX Your Investigation ID 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 explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I am a small business owner ( XXXX XXXX XXXX, XXXX ) using PayPal to receive payments for my coaching services. After receiving a payment from a client on XX/XX/XXXX, PayPal requested verification of my business. I immediately provided all requested documentation, including a copy of my government-issued ID, my business license, and my state tax ID. 

After submitting everything, I was shocked to receive an automated message at XXXX XX/XX/XXXX stating that my account had been permanently deactivated and that my funds would be held until XX/XX/XXXX. The message cited a supposed link to another account with unresolved issues, but I have no knowledge of or connection to any other account. 

I have never violated PayPals Acceptable Use Policy. I am a legitimate, licensed business owner, and this decision has serious financial consequences. I attempted to contact PayPal through their Executive Office and Appeals email addresses, but have not received a response. 

I am requesting : Immediate or earlier release of the funds currently being held A detailed explanation of the alleged account linkage Reconsideration of the permanent limitation Company involved : PayPal Date issue XXXX Account email : XXXX Business name : XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased a pair of speakers from Best Buy. I returned the item within the allowed return time frame. The speakers were physically inspected by the customer service representative at the time of the return and deemed it to be in good condition. The refund was issued. Attached is the return receipt showing the refund. XXXX week later the refund was reversed. The merchant stated that the product was returned in poor condition which is contradictory. Citibank sided with the merchant and I disagree. At this point I don't have the refund nor the product.

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 2025-08-07 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: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize.

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-07 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-08-07 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$760.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$8300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$13000.00}

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 2025-08-07 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX To : Equifax XXXX TransUnion ] Subject : Second Dispute Request for Reinvestigation and Correction Re XXXX XXXX XXXX XXXX Account # XXXX * * Dispute # XXXX Dear [ Equifax / TransUnion ], I am writing to formally request a second reinvestigation of the inaccurate XXXX late payment reported on my XXXX XXXX XXXX account in XX/XX/XXXX, originally disputed under Dispute # XXXX. Your previous response marked the item as verified, but failed to provide documentation or explanation. After reviewing my records and credit file more closely, I have found clear discrepancies between the credit bureaus that undermine the accuracy of the data and violate my rights under the Fair Credit Reporting Act ( FCRA ). 

Key discrepancies include : TransUnion lists the account as closed on XX/XX/XXXX and last reported on that date. 
Equifax, however, lists the account as closed on XX/XX/XXXX, and inexplicably continues reporting into XX/XX/XXXX, despite showing a {$0.00} balance and no payment activity. 
Equifax also states the account is still open for reporting purposes, though both show the loan term was only 12 months from opening on XX/XX/XXXX. 
The payment history is inconsistent between the bureaus : TransUnion indicates 92 % on-time payments, while Equifax lists only 35 % with multiple unknowns and continued monthly reporting well beyond account closure.

Legal Grounds for Deletion or Correction : Per 15 U.S.C. 1681i of the FCRA : You are required to conduct a reasonable reinvestigation of any disputed information. 
If the data can not be verified with evidence, it must be promptly removed. 
You must also correct or delete inconsistent, outdated, or unverifiable information. 

These inconsistencies ( see attached screenshots ) prove that the information is not being reported accurately or uniformly, and the XX/XX/XXXX late payment is unverifiable given the accounts closure status and lack of continued financial activity. 

My Request : I am requesting : XXXX. Full deletion of the XX/XX/XXXX late payment. 
XXXX. XXXXmmediate correction of closure dates and payment history to reflect accurate reporting.

3. Documentation or records from the furnisher ( Lead Bank ) that support any adverse marksif such documentation exists.

Failure to correct or verify this information may result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action for damages under the FCRA. 

Please respond within the XXXX window as required by law and send a corrected copy of my credit report. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In reviewing my credit reports, I discovered two accounts and multiple hard inquiries that was fraudulently opened in my name. These accounts include 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  These are the result of identity theft. I submitted an FTC Identity Theft Report ( Report # XXXX ) and mailed dispute letters to all three credit bureaus XXXX TransUnion, and XXXX  along with copies of supporting documents ( government-issued ID, social security card, address verification, and breach notification ). Despite providing this evidence, the accounts remain on my credit report, negatively affecting my credit profile. I requested deletion within 4 days under the Fair Credit Reporting Act and have not received a resolution. I am requesting that these accounts be permanently removed and that the companies be held accountable for continuing to report fraudulent information after being notified of the theft.

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 2025-08-07 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-08-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX XXXX  since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: MI

Complaint narrative:
I have an existing dispute with Experian and was sent four emails from experience saying my dispute is resolved View the result online. Once again when I go to the account and specifically the dispute center it says not available online? This is typical of how Experian deals with issues. The issue was never resolved because once again I tried to update whatever information they said was needed and once again I get error technical problem and I need to call them.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 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 2025-08-07 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: NJ

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 non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My student loans were discharged XX/XX/year>. It is now XXXX and not only is Nelnet still reporting a balance destroying my credit score but they continue to report increased interest to the loans that no longer exist and have been paid for over two months now. I have disputed with all 3 bureaus and they kept the report as is despite the documentation I provided showing a XXXX balance and discharge. Please help me correct my credit report as it effecting my credit status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: P&B Capital Group, LLC
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against a debt collection agency that contacted me under false pretenses and potentially violated the Fair Debt Collection Practices Act ( FDCPA ) and Consumer Financial Protection Bureau ( CFPB ) regulations. 

Incident Summary : On [ insert date of phone call ], I received a phone call from a representative who failed to identify themselves as a debt collector. During the call : The caller asked about an account allegedly related to XXXX XXXX XXXX and XXXX XXXX. 

I acknowledged prior dealings with XXXX XXXX and explained that I had been told the matter would be written off. 

The representative insisted I still owed money and represented themselves in a manner that implied they were a lawyer or legal representative of the company. 

At no point did they disclose that the call was from a debt collector or that any information obtained would be used for that purpose, as required under the FDCPA. 

I requested debt validation via postal mail, not email, per my rights under the FDCPA and CFPB guidelines. 

The representative told me they were not required to send documentation via mail and insisted on email correspondence, despite my explicit refusal. 


Eventually, I did receive something by mail after ending the call, at which point it became clear the company was in fact a debt collector. 

Why I'm Filing This Complaint : Failure to identify as a debt collector at the start of the call. 

Misrepresentation or deceptive practices, including the implication that the caller was a lawyer or affiliated with one. 

Failure to honor my preferred communication method, as I explicitly requested written communication via U.S. Mail. 

Incorrect information about my rightsspecifically, the claim that debt validation no longer needs to be mailed upon request. 


I am requesting that your office investigate this matter and take appropriate action to ensure compliance with all consumer protection laws. 

Please let me know if additional information or documentation is required. I am prepared to provide a more detailed account of the conversation and a copy of the mailed communication I later received. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation