vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, I entered into a lease agreement with XXXX. The account was later charged off, and as of XX/XX/XXXX, my credit reports show a charged-off amount of {$1100.00} and a remaining balance of {$3000.00}. However, this is inaccurate and misleading. 

This account is currently being reported to all three major credit bureaus ( Experian, TransUnion, and Equifax ) as charged off with a past due balance, even though the company has written off the debt. I have not received a 1099-C form, which would indicate that the debt was canceled and should no longer be reported as owed. 

I have already submitted disputes with the credit bureaus, and the item is marked as disputed by consumer, but no corrections have been made. The account continues to report a full balance, despite being charged off, which violates the Fair Credit Reporting Act ( FCRA ) requirement to report only accurate and complete information. 

This inaccurate reporting is severely impacting my ability to qualify for a home loan, and despite my attempts to resolve this directly with the creditor, no action has been taken. 

I am requesting the CFPBs assistance to : Investigate the reporting practices of XXXX Require XXXX to either issue a 1099-C or update all credit bureaus to reflect a {$0.00} balance Remove and correct the inaccurate information across all credit bureaus

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 2025-05-31 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

Complaint narrative:
b"To whom it may concernXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,a fully digital ltd company operating with XXXX XXXX XXXX clients. We offer digital courses and services for fitness and coaching.XXXXI am filing this complaint regarding an unresolved and unjust limitation placed on my PayPal XXXX business account, which currently holds over XXXX. This issue is severely affecting my companys ability to operate, pay staff, and continue providing services to clientsXXXXOn XXXX XXXX, PayPal limited my account without providing a clear reason or justification. I was asked to submit documentation to prove the legitimacy and registration of my business. I fully complied and submitted an official Companies House certificate confirming my LTD companys registered address and status, issued directly by the XXXX Government.XXXXDespite this, I received only automated, vague responses through their message center. I also spoke to their support line by phone, and a representative told me that if I submitted the proper documentation, I would receive a final response within XXXX  hours. That deadline has passed, and instead, I received a generic message informing me that my funds would be held for XXXX days.XXXXThis situation is completely unacceptable. I have not been informed of any specific violations or issues, and I have no disputes or unresolved claims with customers. I believe this is a clear case of abuse of platform power, and possibly an unlawful withholding of funds under the guise of internal review policies.XXXXPayPals actions are directly causing financial and reputational damage to my business. I am currently unable to pay employees, fulfill client obligations, or access my own revenue. This creates a serious economic threat to my operations and violates the trust that users place in regulated financial entitiesXXXXI have already submitted a formal complaint to the XXXX XXXX XXXX and also contacted PayPals Executive Office (executiveoffice@paypal.com), as recommended by other users who have experienced similar issues, but without answer. XXXXI am now escalating the case to the CFPB as I believe this behavior should be reviewed at the highest level.XXXXI respectfully request thatXXXX-The full amount currently held on my account be immediately released\n-Then, possibly, PayPal provide a formal explanation for this action\n\nThis case be reviewed for compliance with consumer protection and financial fairness regulationsXXXXAll documents and evidence are available and can be submitted upon requestXXXXThank you for your attention and support.XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: Army and Air Force Exchange Service
State: IL

Complaint narrative:
In XXXX, I had a debt with the XXXX XXXX ( XXXX ) which was fully satisfied through automatic deductions from my paycheck that same year. Despite this, the XXXX XXXX reported the account negatively on my credit report years later. 

On or around XX/XX/XXXX, XXXX XXXX ( a now-retired XXXX XXXX representative ) acknowledged via email that the account was to be removed from my credit report and stated a deletion request had been submitted. However, the negative item still remains on XXXX credit bureau. 

Since then, I have contacted the new supervisor " XXXX XXXX '' responsible for the department, but they have provided no resolution or further action. 

This account is inaccurately and unfairly damaging my credit report even though the debt was satisfied years ago. I am requesting the CFPB require the XXXX XXXX to fully delete this entry from ( XXXX ) as originally agreed to in writing. 

Supporting documentation ( emails, payment proof, etc. ) is available upon request.

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 2025-05-31 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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
The same negative Information included on history due to corona virus impact is repeated over and over. The number of incidents artificially high.

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 2025-05-31 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
The same negative Information included on history due to corona virus impact is repeated over and over. The number of incidents artificially high.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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:
According to FCRA Sections 605B,615 ( f ), and 623 ( a ) ( 6 ), these accounts should not be there. Please check this information again and fix it, following 15 USC 1681 c-2 inaccurate information must be deleted also remove items listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-01 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: TX

Complaint narrative:
According to FCRA Sections 605B,615 ( f ), and 623 ( a ) ( 6 ), these accounts should not be there. Please check this information again and fix it, following 15 USC 1681 c-2 inaccurate information must be deleted also remove items listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-31 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: IN

Complaint narrative:
PLEASE REMOVED ALL THESE INACCURATE AND FRAUDULENT ACCOUNT IN MY CREDIT REPORT THEY ARE AFFECTING MY ABILITY TO OBTAIN CREDIT, THANK 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 2025-05-31 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: NJ

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within XXXX ( XXXX ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within XXXX ( XXXX ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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 2025-05-31 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: IL

Complaint narrative:
A fraudulent collection account has been added to my credit report, severely impacting my score. The debt was reported by XXXX XXXX for a XXXX account that I do not recognize and never owned. 

I am a victim of identity mix-up and have a police report confirming that my identity has been compromised. I have disputed this account with Experian, but they continue to report it. 

I request Experian fully investigate and delete this collection account as it does not belong to me and is causing significant financial harm.

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 2025-05-31 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: WA

Complaint narrative:
I am writing to formally dispute an account listed on my credit report that I believe is being inaccurately reported. The account details are as follows : XXXX XXXX XXXX : Original Creditor : Progressive Account Number : XXXX Reported Balance : {$700.00} Status : COLLECTION.. 

Account sold/transferred This account has been sold to another company, yet it continues to reflect an outstanding balance on my credit report. Once an account is sold or transferred, the original creditor is required to update the balance to {$0.00} and report the proper status to avoid any confusion or duplication. 

The continued reporting of a balance by the original creditor is misleading and potentially harmful to my credit. 

I am requesting that this account be investigated and removed entirely from my credit report. Please provide confirmation in writing of the outcome of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: WA

Complaint narrative:
I am writing to formally dispute an account listed on my credit report that I believe is being inaccurately reported. The account details are as follows : XXXX XXXX XXXX : Original Creditor : Progressive Account Number : XXXX Reported Balance : {$700.00} Status : COLLECTION.. 

Account sold/transferred This account has been sold to another company, yet it continues to reflect an outstanding balance on my credit report. Once an account is sold or transferred, the original creditor is required to update the balance to {$0.00} and report the proper status to avoid any confusion or duplication. 

The continued reporting of a balance by the original creditor is misleading and potentially harmful to my credit. 

I am requesting that this account be investigated and removed entirely from my credit report. Please provide confirmation in writing of the outcome of your investigation.

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 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX XX/XX/year> Account Information : Creditor Name : Midland credit management Account Number : XXXX Amount : {$1300.00} Subject : Request for Debt Validation under FDCPA Dear XXXX XXXX I am writing in response to a notice I received from your office regarding an alleged debt ( Account No : [ Insert Account Number, if known ] ). This letter is not a refusal to pay, but a request that you provide full validation and verification of the alleged debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide the following information : XXXX. The amount of the alleged debt ; XXXX. The name of the original creditor ; XXXX. A copy of the original contract or agreement bearing my signature or any agreement that you believe makes me liable for this debt ; XXXX. A complete payment history showing how the alleged amount was calculated ; XXXX. Verification that you are legally authorized to collect on this debt in the State of New York ; XXXX. The name and address of the current creditor if different from the original ; XXXX. A copy of your license to collect debts in New York. 

Under the FDCPA, you are required to cease collection activity until you provide proper validation of this debt. Reporting this debt to the credit bureaus without validating it XXXX  be a violation of federal law. 

Please note that I am requesting this debt be removed from my credit report until proper validation is completed. This request is being made pursuant to my rights under the FDCPA, and any failure to respond accordingly will be documented and reported to the appropriate authorities. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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:
My name is XXXX XXXX. My date of Birth is XX/XX/year>. my social security number is XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX Bankruptcy ( XXXX ), XXXX  XXXX Bankruptcy ( XXXX ), XXXX  XXXX Bankruptcy ( XXXX ) XXXX XXXX XXXX ( XXXX ), XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) XXXX  XXXX XXXX also the following inquiries were unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-31 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: EdFinancial Services
State: NC

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt. I called Edfinancial throughout the month of XXXX & they gave me forbearance to my account and canceled out the missed payments from 2025. I havent worked up until XXXX of 2025 so I could not repay my loan and it dropped my XXXXredit score tremendously. I need to reverse that immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: AL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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