vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I am requesting a full investigation into the reporting of an old repossession on my credit reports. 
The account was closed in XXXX  during the XXXX pandemic, a period in which I was medically ill and unable to work. This was a documented case of extreme hardship. 

I have requested corrections and goodwill consideration from XXXX XXXX XXXX, but the derogatory reporting continues and contains multiple inaccuracies inconsistent with FCRA 602, 607, and 611. 

The payment history, balance, status updates, and dates of first delinquency do not match my records nor the timeline of the repossession. Additionally, the company has not provided documentation verifying the accuracy of the information as required. 

Because this account is nearly XXXX XXXX XXXX and originated during extraordinary XXXX hardship, I am requesting that the CFPB ensure XXXX XXXX corrects or deletes the account entirely if it can not be fully verified. 

I am seeking removal of the repossession and its associated negative reporting because the information is inaccurate, outdated, and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: MI

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I am filing this complaint about an unauthorized or questionable hard inquiry placed on my credit report. 

On my credit report, I see a hard inquiry. I do not recall authorizing a hard credit check by this company on that date, and I do not have clear documentation that I gave written or electronic permission for them to pull my full credit report. 

Under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681b, a company must have a permissible purpose and my authorization ( in most situations involving new credit applications ) to obtain my consumer report. If there was no permissible purpose or no proper authorization, the inquiry is improper and should not remain on my credit file. 

I never gave them permission to run my crediT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my credit reports and notice I have fraudulent accounts on my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this complaint regarding inaccurate reporting on my credit files with TransUnion, Experian, and Equifax. My XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$2800.00} * * and my XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$1800.00} * * are reported as charge-offs, yet both contain obsolete information beyond the seven-year reporting limit, incorrect dates of first delinquency, and inaccurate balances that may include amounts not legally owed. These errors violate FCRA 605 ( a ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), and 607 ( b ), misrepresent my creditworthiness, and have caused financial harm including denied credit applications, higher interest rates, and undue stress. Despite my attempts to resolve these issues directly with the credit bureaus, the inaccuracies remain unresolved.

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 2025-12-05 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: NY

Complaint narrative:
I am submitting this complaint regarding inaccurate reporting on my credit files with TransUnion, Experian, and Equifax. My XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$2800.00} * * and my XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$1800.00} * * are reported as charge-offs, yet both contain obsolete information beyond the seven-year reporting limit, incorrect dates of first delinquency, and inaccurate balances that may include amounts not legally owed. These errors violate FCRA 605 ( a ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), and 607 ( b ), misrepresent my creditworthiness, and have caused financial harm including denied credit applications, higher interest rates, and undue stress. Despite my attempts to resolve these issues directly with the credit bureaus, the inaccuracies remain unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: WA

Complaint narrative:
I did not open this account, and the information being reported is incorrect.

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 2025-12-05 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: MI

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-05 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: TX

Complaint narrative:
I am filing a complaint regarding the inaccurate and inconsistent reporting of a paid XXXX account ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX  ) across TransUnion, Experian, and Equifax. 

Although the account has been paid in full and reflects a {$0.00} balance, the bureaus continue to report derogatory statuses and misleading payment history codes. This misrepresentation harms my credit profile and violates the Fair Credit Reporting Act ( FCRA ). 

Specific Violations : FCRA 607 ( b ) : Accuracy Requirement TransUnion and Experian list the account as Paid but still tag it as Collection/Chargeoff.

Equifax marks it as Derogatory and Late 120 Days despite showing Paid Collection.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnisher Responsibility Reporting Charge Off after resolution misleads creditors and is inconsistent with the accounts true status.

Metro 2 Format Violations : The furnishers appear to be using incorrect status codes post-payment, which misrepresents the accounts standing.

FCRA 605 ( a ) ( 4 ) : Potential Obsolescence The account dates back to 2013. If the original delinquency date exceeds 7 years, continued derogatory reporting is unlawful. 

Requested Resolution : Immediate reinvestigation of the XXXX account across all three bureaus. 

Removal of any derogatory, charge-off, or collection references now that the account is paid. 

Correction of payment history codes to reflect accurate post-payment status. 

Full deletion of the account if accurate reporting can not be achieved.

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 2025-12-05 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: NJ

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number 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 non-monetary relief
Consumer complaint received 2025-12-05 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I had an active payment program on my XXXX XXXX XXXXXXXX credit card. The program was created to help me keep the account stable and manageable. The company ended that program without giving me any notice by mail or by any other method. Once they stopped the program they continued adding interest and fees without informing me in advance. This caused the balance to rise and created a major score drop on my Credit report. I was never given any type of warning or chance to continue or renew the program. The company made changes to my account behind my back and I only found out after my XXXX XXXX dropped. This is unfair and misleading because I relied on that program to stay on track. I believe the creditor failed to follow proper communication requirements and failed to give me clear information about the changes they made to my account.

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 2025-12-05 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: CA

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I had money stolen from my account through PayPal and PayPal refuses to return my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I am writing to formally dispute the reporting of the debt associated with BANK OF AMERICA Account number XXXX. I recently discovered this account on my credit report and was surprised to see that it is being reported as having a balance owed. I believed this debt had been completely paid in full, and up until reviewing my credit report, I had no knowledge that any remaining balance existed. 

During these past months, I did not receive any email, phone call, letter, or written notification informing me that there was still an outstanding balance or that the account would be reported negatively. Had I been notified, I would have addressed the matter immediately. 

Because I was never contacted regarding any remaining balance, and because this account was reported without proper notice, I am requesting the following : An investigation into this account to verify the accuracy of the reporting. 

Removal or correction of any inaccurate or incomplete information. 

Proof of all notices allegedly sent to me, including dates, methods of communication, and copies of any letters or emails.

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 2025-12-05 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: PA

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: TX

Complaint narrative:
I am extremely frustrated because inaccurate late payments are still showing on my credit report this morning, and I have no idea why. These inaccurate late payments did not disappear even after I refreshed my browser. Because of this situation, I am urgently asking that the documents I sent be reviewed carefully so I can finally stop stressing over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: MI

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 2025-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
On XX/XX/XXXX I made a transaction for XXXX dollars that never were delivered on moneygram, it is supposedthat the money will be delivered in a few minutes but not, I called them the next day to see what is going on and they just told me to wait. It's been already a week and the don't want to give me a refund and when I call to get some details or any update on my case they just told me to wait. I have the proof that the money was never delivered. They never give a clearly information just to wait

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Collections was send to midland credit management with out my approval

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: GA

Complaint narrative:
I am submitting this complaint because my credit report is showing multiple inaccurate and unverified accounts that are harming me financially. These creditors have failed to provide any proper documentation, proof, or verification, yet negative information continues to be reported. I am requesting CFPB assistance to force a full investigation and correction. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} Charge Off Issue : I never received proof of any default. Reporting is inconsistent and unverified. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6800.00} Charge Off Issue : No documentation, no proof of delinquency, and the charge-off reporting is inaccurate. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment Issue : I never made late payments and no records were provided. Reporting is incorrect. 
XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Late Payment Issue : These late payments are false and not supported by any verification. 
These items are damaging my credit, affecting approvals, and causing financial harm. I am requesting the CFPB to require the furnishers and bureaus to provide proper proof or remove/correct all inaccurate information immediately.

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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My personal information was exposed in the XXXX data breach and my identity was stolen and I do not recognize these accounts : Account XXXX : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX  Account XXXX : XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: VA

Complaint narrative:
I discovered that several accounts on my credit report are being reported inaccurately and in a way consistent with identity theft. XXXX XXXX XXXX ( XXXX ) is reporting a delinquent/charge-off status even though they stopped collecting in 2023 and have never validated the account. I also have a perfected XXXX on the vehicle in question, which makes CPSs continued negative reporting inaccurate and misleading. XXXX is also reporting a personal loan with false balance and status information. These inaccurate reports have caused significant financial harm, credit denials, and emotional distress. I disputed these items with the credit bureaus under FCRA 602, 607 ( b ), and 611, but they failed to correct or investigate properly. I am requesting full deletion or correction to Paid in Full/No Derogatory Status and confirmation that all furnishers validate before further 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