vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Control, LLC
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX credit card account ( XXXX ) was transferred to Credit Control LLC for collections. I reached a full settlement with Credit Control LLC on XX/XX/XXXX, and I have a formal settlement letter confirming the account was resolved. I paid the full settlement amount of {$13000.00} on XX/XX/XXXX. 

Despite fulfilling my financial obligation in good faith, XXXX XXXX XXXXXXXX continues to report an outstanding balance of {$16000.00} to the credit bureaus ( XXXX XXXX XXXX XXXX XXXX  I have contacted both XXXX XXXX XXXXXXXX and Credit Control LLC multiple times over the past several weeks, requesting that the account be updated to reflect a {$0.00} balance and Settled status.

Recently, I received a letter by mail from XXXX XXXX XXXX stating that they reported the account as settled on XX/XX/XXXX. However, this update is still not reflected in my credit reports, and the balance continues to appear as unpaid. When I contact XXXX XXXX  XXXX, they now claim that the account is still with Credit Control LLC even though the account was clearly and fully settled months ago. 

This situation is not only confusing but also completely unacceptable and damaging. Neither party is taking responsibility for fixing the inaccurate reporting, and I, the consumer, am suffering the consequences. My credit score has dropped over XXXX points, which has now prevented me from qualifying for a home loan and other lines of credit. I am being financially penalized for something that is entirely outside of my control, despite having documentation proving the settlement was completed. 

This issue was previously raised and yet the problem remains unresolved. The continued inaction reflects a severe breakdown in communication and accountability between XXXX XXXX XXXXXXXX and Credit Control LLC. 

I am formally requesting : Immediate correction of the credit reporting to reflect a {$0.00} balance and Settled status with all major credit bureaus.

A joint investigation into the breakdown in communication between XXXX XXXX XXXX and Credit Control LLC. 

A written explanation and resolution timeline from both entities. 

That this matter be escalated for regulatory review, given the harm caused by inaccurate reporting and lack of accountability. 

If this issue is not resolved immediately, I will be forced to pursue legal action, including filing a civil lawsuit for the financial and emotional harm caused by this negligent and misleading credit reporting. 

This situation has already gone on far too long, and I am asking for the CFPBs support to ensure that this matter is corrected fully, accurately, and permanently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian XXXX XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$890.00} INQUIRIES XXXX XXXX XXXX XXXXXXXX Date : 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 explanation
Consumer complaint received 2025-08-05 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: MS

Complaint narrative:
I am writing this complaint with complete certainty and deep frustration. There are numerous errors on my credit report that I can no longer ignore, as they continue to negatively impact both my credit score and overall quality of life. These inaccuracies are preventing me from achieving the financial stability and freedom Ive been working toward.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: VA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: SC

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business 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 non-monetary relief
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
I am a victim of identity theft. I am formally disputing a transaction or an account that I have learned has been made, opened or applied for with you. I did not make this transaction or open or apply for this account and have not authorized anyone else to do so for me. You may consider this transaction or account to be fraudulent. Below is my identifying information. I have filed a report of identity theft with FTC. Under federal law, creditors and other business entities must provide a copy of application and business transaction records relating to fraudulent transactions or accounts opened or applied for using my identity.XXXX XXXX XXXX XXXXXXXX Under dispute Date opened XX/XX/XXXX Balance {$3600.00} Status Account charged off. {$3600.00} written off. {$3600.00} past due as of XX/XX/XXXX. 
XXXX  XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX dispute Date opened XX/XX/XXXX XXXX {$5.00} Status Account charged off. {$5.00} written off. {$5.00} past due as of XX/XX/XXXX. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$1300.00} Status Open. 
XXXX XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$14000.00} Status Account charged off. {$14000.00} written off. {$14000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$22000.00} Status Account charged off. {$20000.00} written off. {$22000.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX Under dispute Date opened XX/XX/XXXX Balance - Status Transferred, closed. 

XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$4000.00} Status Open. {$420.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$1300.00} Status Open. {$140.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$1800.00} Status Open. {$190.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$1800.00} Status Open. {$190.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$1200.00} Status Open. {$130.00} past due as of XX/XX/XXXX. 
XXXX XXXX dispute

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NE

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please delete these fraudulent accounts, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 
1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NJ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Synchrony Bank is refusing to respond to the XXXX case that I opened against them this year. They have created a fraudulent refund on XXXX of my statements. The refund they issued for the charge that was made to my card after it was stolen was issued in XXXX. However the card was stolen in XXXX. They claim that they accidentally made XXXX refunds to my account for the amount that was charged to my card by the person who stole it. They then reversed the accidental refund and transferred the balance of the fraudulent charge to a new credit card that I never authorized them to open. I have been attempting to resolve this issue for over XXXX  months and Synchrony is refusing to respond. I am accruing late fees on this charge and I have no recourse. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Subject : Complaint about PayPals refusal to delete accounts and lack of appeal options To Whom It May Concern, I am filing a formal complaint against PayPal regarding their permanent restriction of my personal and business accounts. Despite my repeated requests, PayPal refuses to delete my accounts or provide a meaningful way to appeal these restrictions. 

All communications are routed through automated bots or phone calls, with no option to submit written appeals or requests for data deletion. This creates an unfair barrier to exercising my consumer rights and contradicts applicable laws regarding data privacy and consumer protections. 

I ask the CFPB to investigate PayPals handling of account restrictions and their failure to provide adequate customer service options for account closure and data deletion. 

Thank you for your attention. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
At XXXX on XX/XX/year>, a series of unauthorized transactions were made from my Navy Federal mobile app when my phone was stolen from me by strangers. The amount transferred was {$5500.00}. I did not initiate, approve, or consent to this transaction in any form. I immediately reported the fraud to Navy Federal to try to file a fraud claim with a phone call at XXXX right after the robbery. During this call there were no protection steps taken by them to close my accounts and open new ones as the scammer had my phone in their possession. I filed a police report after this call at XXXX. I, then, had to call again at XXXX to request the protective measures of closing and opening new accounts after being advised by a police officer. I called Navy Federal on XX/XX/year> asking about tracking down the scammer through the member-to-member transaction of {$1000.00}, the person handling things over the phone refunded {$1000.00} to my account unnecessarily. Despite multiple updates by phone on my police case, I have not received any meaningful response or resolution from Navy Federal. The claim for the whole {$5500.00} was later denied, and I filed an appeal with additional information.

There is an open police investigation regarding this fraud. A suspect was positively identified by me in a police lineup, and the vehicle used in the scam was recovered. I have provided the case number and details to Navy Federal, but they have continued to treat the transaction as authorized despite the evidence.

I am requesting that Navy Federal take appropriate action to reopen my claim, review the police evidence, and issue a refund for the unauthorized transaction. The lack of communication, numerous errors, and refusal to acknowledge the seriousness of the fraud is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
The listed late payment is inconsistent with my payment history and seems to be inaccurate. Please correct this as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
I disputed inaccurate tradelines from XXXX XXXX ( Acct. # XXXX ) and XXXX XXXX XXXX ( Acct. # XXXX ) with Experian, providing documentary evidence including a XXXX promissory note stating I am not liable for the loan. 

Experian marked the dispute as completed but provided no results online, stating : Your dispute results are not currently available online. When I called, the Experian representative told me : They delay scanning disputes for 35 days before starting the investigation The 30-day FCRA clock starts only after scanning, not upon receipt Adding more information restarts the clock Regardless of the evidence, the accounts would be updated but not deleted These statements and actions violate the Fair Credit Reporting Act, including : 1681i ( a ) ( 1 ) ( A ) Failure to reinvestigate within 30 days of receiving a dispute 1681i ( a ) ( 6 ) Failure to provide dispute results in writing 1681e ( b ) Failure to ensure maximum possible accuracy Experians refusal to provide dispute results, misrepresentation of FCRA timelines XXXX and continued reporting of conflicting and unverified data has harmed my credit standing.

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