vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: PA

Complaint narrative:
My account with XXXX XXXX, XXXX BANK, AND XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. 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 reported in to be removed. 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 XXXX XXXX  before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX XXXX  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! Delete the late payments from my consumer reports

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 2025-06-18 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, AR XXXX XXXX XXXX XX/XX/XXXX TransUnion : P.O. XXXX XXXX, XXXX, PA XXXX Subject : Unauthorized Hard Inquiry Removal Request To Whom It May Concern, I am writing to formally dispute a hard inquiry that appears on my credit report, which I did not authorize. According to the Fair Credit Reporting Act ( FCRA ), hard inquiries XXXX not be listed on a consumers credit report unless they were explicitly authorized. 

Upon reviewing my credit report, I noticed a hard inquiry from the following company : Company Name : 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 do not recall authorizing this inquiry, and I request that it be removed from my credit report immediately. If you have documentation proving that I gave written authorization for this inquiry, please provide it to me for my records. If no such proof exists, I respectfully ask that the inquiry be deleted in accordance with the FCRA. 

Please conduct an investigation into this matter and provide me with written results of your findings. I expect this dispute to be resolved within the XXXX period allowed by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX ( Last XXXX digits ) : XXXX Date of Birth : XX/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 2025-06-18 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: TX

Complaint narrative:
I am demanding an immediate investigation into multiple inaccurate and unverifiable accounts being reported on my credit file in direct violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX reporting standards. 

Your reporting of these accounts lacks lawful validation, proper documentation, and fails to meet compliance with XXXX XXXX data integrity guidelines. You are placing me at financial risk by reporting unverified, incomplete, and potentially fraudulent information. I have never received full validation or verification of these alleged debts, nor have you provided any legally permissible purpose under 15 U.S.C 1681b for these entries to appear on my report. 

The following accounts are being disputed for immediate deletion : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I require you to produce the following within XXXX XXXX of receipt of this letter : Complete validation, including original signed contracts bearing my wet signature Permissible purpose documentation for each account Proof that the information is XXXX XXXX accurate, fully verifiable, and XXXX XXXX XXXX A sworn, notarized affidavit from a person with direct firsthand knowledge of these debts, confirming the full legal validity of these claims, not written off, sold, or claimed for tax or insurance purposes Your failure to fully comply will constitute willful noncompliance under FCRA 15 U.S.C 1681n and 1681o, subjecting you to statutory damages, actual damages, punitive damages, legal fees, and potential regulatory complaints with the CFPB, FTC, XXXX Attorney General, and other enforcement agencies. 

This is your legal opportunity to correct and DELETE these unverifiable accounts immediately. You are now on notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: NY

Complaint narrative:
Despite having submitted a formal identity theft affidavit through the Federal Trade Commission ( FTC ), TransUnion has failed to remove the unauthorized inquiries within the time period required by law. ( 4 DAYS )

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 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: NV

Complaint narrative:
I received XXXX debt collection notices from ConServe ( Continental Service Group, LLC ), who claims to be collecting a federal tax debt assigned by the IRS. I submitted a proper written dispute and validation request under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ), as well as referencing Internal Revenue Code 6306 ( IRS Private Debt Collection ).

ConServe responded with a letter that failed to validate the debt, did not provide a copy of the IRS 's assignment or letter of transfer ( XXXX ), and directed me to obtain my own IRS records. They did not provide : Any itemized account breakdown IRS notice of assignment Copy of their contract or authority to collect Any verification of the debt amount ( which changed between letters ) Their response shifts the legal burden of validation from the collector to the consumer, violating federal law. The balance increased between communications ( {$4600.00} to {$4600.00} ), with no explanation or documentation supporting the increase. 

I will be attaching : Their original debt collection request My original validation request Their response ( dated XX/XX/year> ) My follow-up demand letter I am requesting that the CFPB investigate and take enforcement action. Additionally, I am seeking formal relief and a full cease-and-desist order against ConServe for continued noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I have asked a few times to remove this debt. Your company is saying that they have no record, yet this is the only debt collection company with this name in XXXX XXXX. I did not reside at these apartments, and if this isn't removed legal action will be taken with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and 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 reported to be removed/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. 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-18 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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. 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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I have disputed account with Santander consumer USA that is reporting inaccurately. I have requested several times for investigation and dispute, but they have not updated the account Santander keep saying that the account is accurate which it is not. The account was charged off in XXXX and has been reporting charged off since then. As of XX/XX/XXXX, up until XX/XX/XXXX the account was reporting as XXXX  days late which is making account look new and fresh. That is illegal according to FCRA rules and laws Illegal Re-Aging Example : If an account was charged off in XXXX, the XXXX was likely in XXXX or earlier. That means it should be removed from your credit report in XXXX ( XXXX  years after XXXX ). If it's now showing a XXXX delinquency date, that may be illegal re-aging.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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:
b'As per the guidance from the Consumer Financial Protection Bureau (CFPB), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142(b)(4)-5--1002.142(b)(7). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 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 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

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 2025-06-18 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: Early Warning Services, LLC
State: CT

Complaint narrative:
Dear Early Warning Services Dispute Department, I am writing to formally dispute several accounts listed in your system that were fraudulently opened using my personal information without my authorization or knowledge. I am a victim of identity theft, and I am requesting the immediate removal of these accounts from any and all databases you maintain. 

Please find below the fraudulent accounts that must be investigated and removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: NJ

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-06-19 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: RI

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, that is considered identity theft. 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 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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am writing to formally dispute XXXX inaccurate late payment entries reported by Discover on my credit file for the following dates : XX/XX/year> XX/XX/year> These late payments are incorrect. In both instances, I submitted my payments on time using Discovers online portal and received confirmation of successful payment. When I discovered the late marks on my credit report, I contacted Discover directly and was informed there may have been a processing issue. However, I have not been provided with any verified documentation to support the claim of late payments.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that is inaccurate or incomplete. Furthermore, under 15 U.S.C. 1681s-2, Discover, as the furnisher of the disputed information, is required to conduct a reasonable investigation, correct any errors, and notify all consumer reporting agencies of the correction. 

I am requesting that the Consumer Financial Protection Bureau ensure a full investigation is conducted, and that, if Discover can not provide sufficient documentation verifying these late payments, the negative marks be removed from all three major credit reporting agencies : XXXX XXXX XXXX XXXX, in compliance with federal law. 

Thank you for your attention to this matter. I look forward to a fair and timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
This is in regards to the first complaint XXXX, that was closed with inaccurate information filed by PayPal.

Subject : Disputing PayPal 's False Claim Regarding My Account and Chargebacks I am disputing PayPal 's response to my complaint because it contains inaccurate and misleading information.

PayPal claimed that : I initiated XXXX chargebacks in XX/XX/year>, and My Credit Card is still active and preventing account closure. 

Both of these claims are false. 

I did not initiate any chargebacks. I have confirmed this with my credit card issuer ( XXXX XXXX  ), and there is no record of chargebacks or any open dispute from my side. 

My Credit Card account has already been closed, and PayPal is fully aware of this. I have no active financial instruments on my PayPal account.

PayPal is improperly denying me the right to : Remove my financial data, Close my account, and Begin the data retention period for full erasure under data protection standards. 

They are also making inaccurate claims to federal agencies ( the CFPB ) and to the XXXX. 

I respectfully request that this case be re-opened and properly investigated, and that PayPal be compelled to : Acknowledge that there are no open chargebacks.

Confirm that my credit card is closed.

Close my PayPal account as requested.

Start the required data retention countdown for full deletion of my information. 

I am happy to provide a statement or confirmation from my card issuer if necessary. 

Thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation