vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: FL

Complaint narrative:
This letter serves as a formal dispute of account # XXXX Account name : Credit coll on my credit report. Per the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), 1681g, and 1681i, I am requesting validation and removal of this account due to clear inconsistencies with the information reported by TransUnion. 
Equifax report states : Date Opened : XX/XX/XXXXXXXX  Date of Last Activity : XX/XX/XXXXXXXX  Last Reported : XX/XX/XXXXXXXX  However, TransUnion lists : Date Opened : XX/XX/XXXXXXXX  Date of Last Activity : XX/XX/XXXXXXXX  Last Reported : XX/XX/XXXX And claims the account Meets FCRA requirements The differences between the bureaus raise reasonable doubt about the accuracy and verification of this account. These conflicting entries violate the FCRAs standard for maximum possible accuracy. 
I am demanding : Immediate deletion of this account from my Equifax report. 


Documentation of the investigation method and evidence used to verify this account. 


A corrected copy of my credit file. 


{$1000.00} in damages for the stress and financial harm caused by inaccurate reporting, under FCRA 1681n and 1681o.

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 2025-05-07 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: NV

Complaint narrative:
I seek your assistance in investigating accounts that have been wrongly reported with late payments. I carefully reviewed my credit report and found some accounts showing incorrect late payment entries. These accounts should not have any late payment remarks. Kindly remove the late notations and update the accounts as paid and positive.

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 2025-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I returned my XXXX XXXX devices on [ XX/XX/XXXX ] using their official return label and followed all instructions. The return was shipped via [ XXXX ] with tracking number [ XXXX ] and delivered successfully to XXXX 's warehouse. Despite fulfilling the return, XXXX failed to properly process it and later claimed I owed money for the equipment. 

On [ XX/XX/XXXX ], I was notified that my account had been sent to a collection agency, Jefferson Capital Systems LLC, for the alleged balance. This debt is invalid and should not exist. I have contacted XXXX and provided proof of return, but the collection account remains active. This has caused unnecessary stress and puts my credit at risk due to an error on XXXX part. 

I am requesting that XXXX immediately correct this error, that Jefferson Capital cease collections activity, and that any negative information reported to credit bureaus be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
My PayPal account was permanently limited over five ( 5 ) years ago. Despite this, PayPal has not allowed me to withdraw my remaining balance. I have contacted PayPal multiple times requesting access to my funds without success. PayPal has held my funds ( {$3600.00} ) for over 5 years. Their user agreement mentions a 180-day hold policy, yet theyve now declared they will hold the funds indefinitely without providing any legal basis or supporting documentation.

According to PayPals policies and standard financial practices, funds should be released after a holding period even if the account remains limited. Five years have passed, and withholding my money without clear justification is unacceptable.

I respectfully request immediate assistance to access and withdraw my balance.

Attached are communications from PayPal related to this matter. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
The account has been closed for years and its over 7 years old. Its still showing on my account and after I disputed the information with XXXX  the account changed the date for removal to XXXX. Thats over 10 years being shown on my credit report.

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 2025-05-07 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CarMax, Inc.
State: TX

Complaint narrative:
I have been trying to get this resolved with Carmax and the credit bureaus. I asked them for validation, they sent my information from someone. The information is giving name address and other information which is a form of data breach to consumer. 
I would like this account to be deleted of all three XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: VA

Complaint narrative:
According to the Fair Credit Reporting Act this account XXXX Account number XXXX can not be updated each month as a delinquency this is a violation of 15USC 1681 S-2 and 15USC 1681 E ( B ) laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: VA

Complaint narrative:
I have found some unauthorized inquiries on my TransUnion credit report. I did not authorize these inquiries. I have called and they have ignored my complaints allowing these inquiries to remain. The list of banks include : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-07 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: NC

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XX/XX/XXXX RE : Formal Complaint Unauthorized Hard Credit Inquiries on My Credit Reports To Whom It May Concern, I am submitting this formal complaint concerning multiple unauthorized hard inquiries that have been placed on my credit reports by various companies without my consent.

Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ), no party is permitted to access a consumers credit report without a legitimate permissible purpose and the explicit authorization of the consumer. I have reviewed my credit files from Experian, Equifax, and TransUnion and discovered inquiries that I did not initiate, authorize, or knowingly permit. 

These inquiries are negatively affecting my credit standing, and attempts to resolve the matter directly with the credit bureaus have not resulted in adequate investigation or removal of the inquiries. I never submitted a credit application or consented to these companies pulling my credit, nor have I received any signed documentation to prove otherwise.

Relief Requested : Investigate the unauthorized inquiries reflected on my credit reports. 

Require each company that accessed my credit report to provide valid proof of my authorization ( such as a signed credit application ). 

Instruct the credit bureaus to immediately remove all inquiries that can not be verified with proper documentation. 

Provide written confirmation of the results of this investigation. 

Supporting Legal Precedent : XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Unverified or inaccurate credit entries must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accessing a consumer report without authorization violates the FCRA. 

XXXX v. Equifax, XXXX XXXX XXXX. XXXX XXXX Failure to correct unverifiable data is a breach of responsibility. 

I respectfully request the CFPBs assistance in enforcing my rights as a consumer and ensuring that these unauthorized inquiries are removed from my credit file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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:
Subject : Request for Removal of Fraudulent Accounts and Notice of FCRA Violation XXXX To Whom It May Concern, I am writing to formally report a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( b ) concerning the reinsertion of previously deleted accounts into my credit report without proper certification of accuracy and without providing the required notice to me as the consumer. 

On XX/XX/year>, I discovered that the following accounts were reinserted into my credit report without my knowledge or consent : XXXX Account Number : XXXX XXXX Account Number : XXXX This action directly violates Section XXXX ( b ) of the FCRA, which sets strict guidelines for the reinsertion of previously deleted information. These requirements include : ( i ) Certification of Accuracy of Information : The FCRA mandates that any previously deleted information may not be reinserted into a consumers credit file unless the furnisher of the information certifies that the information is accurate and complete. In this case, no such certification was provided by XXXX for either of the accounts listed above. 

( ii ) Notice to the Consumer : The FCRA further requires that the consumer reporting agency notify the consumer in writing within XXXX ( XXXX ) business days of the reinsertion. I did not receive any written notification from the credit bureau regarding the reinsertion of these XXXX accounts. 

( iii ) Additional Information : The consumer reporting agency must also provide additional details to the consumer, including a statement confirming the reinsertion, the name and address of the furnisher of the information, and a notice of the consumers right to add a personal statement disputing the information. None of this information was provided to me in relation to the accounts mentioned. 

This lack of compliance constitutes a clear violation of FCRA Section 611 ( b ) and has caused unnecessary harm and inconvenience to my credit profile. 

I am therefore requesting the following actions : The immediate and permanent removal of the reinserted XXXX accounts numbered XXXX and XXXX from my credit report A written confirmation that these accounts have been deleted and will not be reinserted without full compliance with FCRA requirements Assurance that all future reinsertion actions will follow the FCRA guidelines to avoid further violations Please acknowledge receipt of this letter and provide me with confirmation of the actions taken to resolve this issue. I appreciate your immediate attention and look forward to a timely 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 2025-05-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Rosebud Economic Development Corporation
State: FL

Complaint narrative:
on XX/XX/year> I applied for a {$1000.00} loan with Quickwallet, which was approved based on the information provided by the company. However, they later called me to inform me that I would only receive {$400.00}, to which I responded that I did not accept that amount and did not want to continue with the loan. Despite my refusal, the money was deposited into my account without my final consent. 
Due to my need for money at the time, I ended up spending it. 
Furthermore, the interest rate charged is over 200 % APR, which I consider financial abuse. I feel deceived by the lack of clarity in the terms and the lack of transparency in the approval process. 
I request an investigation into the company 's practices and a debt restructuring or partial cancellation.

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 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation