vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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 REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS 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 2025-09-11 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: NV

Complaint narrative:
Dear CFPB, I am filing this complaint because the nationwide consumer reporting agencies ( Experian, TransUnion, and Equifax ) have failed to delete or correct inaccurate and/or unverifiable information on my credit reports despite several dispute letters I sent via Certified Mail with proper identification and documentation. Their responses relied on cursory verifications, did not provide the required Method of Verification, and failed to address the specific reporting and Metro 2 compliance defects I identified. 
Accounts in Dispute ( appearing on my reports ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-12 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: NC

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Subject : Formal Demand for Immediate Deletion of Unverifiable, Fraudulent, and Inaccurate Accounts Pursuant to FCRA 605 ( b ), 605B, and 611 Dear Consumer Finance, I am submitting this formal dispute under the Fair Credit Reporting Act ( FCRA ) 605 ( b ), 605B, and 611, requesting the immediate removal of unverifiable, inaccurate, fraudulent accounts, and charge-offs from my credit file.

Identity Theft FCRA 605B As a victim of identity theft, I demand the blocking and permanent removal of fraudulent accounts and inquiries. Pursuant to 605B ( c ), this must be completed within 4 business days. 

Enclosed are : 1. Identity Theft Report ( Police/FTC ) 2. Proof of identity ( Government ID, proof of address ) XXXX. List of fraudulent accounts If any of the disputed accounts are held directly by your institution, I also require : Immediate closure of fraudulent accounts, and Written confirmation that I bear no liability.

Grounds for Dispute 1. IRS 1099-C ( Cancellation of Debt ) : Debts reported as cancelled to the IRS can not legally be reported as owed. Continued reporting violates 15 U.S.C. 1681s-2.

2. IRS 1099-A ( Acquisition/Abandonment of Secured Property ) : Where issued, no balance should remain reportable.

3. Debt Securitization / 1099-B : Debts sold or securitized can not be reported as outstanding. Continuing to do so constitutes deceptive reporting and potential tax fraud. 

I have received IRS Form 1099-C for several of these accounts, proving the debts were discharged and can not be legally reported as outstanding. In other cases, accounts were either paid in settlement or are active and currentyet are still misreported as charge-offs. Such contradictory reporting is misleading, unlawful, and materially damages my credit. 

Violations of Federal Law Under 15 U.S.C. 1681s-2, furnishers must ensure accuracy and consistency in reporting.

A creditor can not report a debt as cancelled to the IRS while simultaneously reporting it as due to the credit bureaus.

Reporting discharged, securitized, or abandoned debts constitutes deceptive practices and may amount to tax fraud. 

This dual and inconsistent reporting is fraudulent, harms my credit standing, and must be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Subject : Formal Demand for Immediate Deletion of Unverifiable, Fraudulent, and Inaccurate Accounts Pursuant to FCRA 605 ( b ), 605B, and 611 Dear Consumer Finance, I am submitting this formal dispute under the Fair Credit Reporting Act ( FCRA ) 605 ( b ), 605B, and 611, requesting the immediate removal of unverifiable, inaccurate, fraudulent accounts, and charge-offs from my credit file.

Identity Theft FCRA 605B As a victim of identity theft, I demand the blocking and permanent removal of fraudulent accounts and inquiries. Pursuant to 605B ( c ), this must be completed within 4 business days. 

Enclosed are : 1. Identity Theft Report ( Police/FTC ) 2. Proof of identity ( Government ID, proof of address ) XXXX. List of fraudulent accounts If any of the disputed accounts are held directly by your institution, I also require : Immediate closure of fraudulent accounts, and Written confirmation that I bear no liability.

Grounds for Dispute 1. IRS 1099-C ( Cancellation of Debt ) : Debts reported as cancelled to the IRS can not legally be reported as owed. Continued reporting violates 15 U.S.C. 1681s-2.

2. IRS 1099-A ( Acquisition/Abandonment of Secured Property ) : Where issued, no balance should remain reportable.

3. Debt Securitization / 1099-B : Debts sold or securitized can not be reported as outstanding. Continuing to do so constitutes deceptive reporting and potential tax fraud. 

I have received IRS Form 1099-C for several of these accounts, proving the debts were discharged and can not be legally reported as outstanding. In other cases, accounts were either paid in settlement or are active and currentyet are still misreported as charge-offs. Such contradictory reporting is misleading, unlawful, and materially damages my credit. 

Violations of Federal Law Under 15 U.S.C. 1681s-2, furnishers must ensure accuracy and consistency in reporting.

A creditor can not report a debt as cancelled to the IRS while simultaneously reporting it as due to the credit bureaus.

Reporting discharged, securitized, or abandoned debts constitutes deceptive practices and may amount to tax fraud. 

This dual and inconsistent reporting is fraudulent, harms my credit standing, and must be corrected.

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 2025-09-12 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 am a victim of XXXX XXXX of Debt XXXX  and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XX/XX/scrub>XXXX  -Balance {$0.00}

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 2025-09-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: DriveTime
State: VA

Complaint narrative:
I asked for the amount in which the vehicle had been sold and never received the information. I tried to call several times and got no response. I then went to the location and they were out of business and I was never contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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 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 explanation
Consumer complaint received 2025-09-12 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: Maximus Federal Services, Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX i contacted Aidvantage a Federal Student Loan servicing company responsible for my student loan debt. I have previously with XXXX  and XXXX  filed disputes about the same issue and they corrected it as shown from the photos attached. They however with XXXX  are not correcting the issue of reporting me to have late payments that are past due when I have a deferment and when i got the deferment they asked how long it should go back and I said XX/XX/XXXX which they gave honored with XXXX  and XXXX  and all I have tried to do is get them to do the same with XXXX. I have contacted them repeatedly and filed several disputes through all XXXX credit bureaus this instance XXXX. I am at the point I can not file any more disputes because whom ever is in charge of disputes now at Aidvantage doesn't read the dispute they just certify it as a valid debt owed by me when that is not the grievance i am disputing. I just wish they correct my file as they have the other XXXX with no late p [ payments and paid as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
My Mom past away last XXXX and left me with {$500.00} a month car payments to SANTANDAR USA XXXX XXXX for consumers based in Texas. I made quite a few payments but couldn't keep up so SANTANDAR sent a company called EXTREME ADJUSTERS based out of XXXX, CA. to repossessed my XXXX XXXX XXXX XXXX XXXX on XXXX at which time I was told that I had 10 days to bring account up to date and pay cost of all towing and repo fees. Within the 10 day time frame, I secured a loan to pay SANTANDAR off and close that account.

I had to do 2 payments because SANTANDAR said they couldn't accept a payment over {$2900.00} with a debit card. So 1st payment of XXXX was made on XXXX and the 2nd payment on the morning of XXXX SANTANDER PAID IN FULL. A Vehicle release was sent to XXXX XXXX XXXX  in XXXX Ca. I was thrilled. I went to XXXX to pick up my car and its not even my car. ITS NOT DRIVABLE, IT HAD TO BE TOWED TO MY HOME. IT IS DESTROYED. NOW I HAVE NO CAR. SANTANDAR HAD THE CAR PICKED UP AND SHIPPED TO XXXX FOR AUCTION THE VERY DAY I PAID IT OFF. PLEASE HELP ME. IM A SENIOR IN BAD HEALTH AND I LIVE FAR FROM ANY TOWN AND NOW NO CAR. SANTANDAR IS A CROOKED COMPANY AND NEEDS.TO ANSWER FOR WHAT THEY HAVE DONE. SINCERELY. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Im currently 2 months behind on credit card payments due to family emergency. I received a notification about a payment program and wanted to take advantage of it and enroll. However, after 2 months being behind, no calls, no emails or follow up about the program my account was closed. I reached out via chat through the app and was a waste of time and refusal to send me to a supervisor or have one contact me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Account Closure, Mishandled Fraud Investigation, Credit Damage, and Imminent Housing Insecurity Financial Institution ( s ) : Bank of America XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX I am submitting this complaint to formally document an escalating financial crisis caused by Bank of Americas mishandling of a fraud investigation, which has since cascaded into account closures, credit line losses, and imminent default on rent and essentials. 
I initially filed a fraud report with Bank of America in XX/XX/year>, after multiple unauthorized charges and account intrusions appeared. Bank of America froze multiple accounts, and claimed to be investigating the matteryet I have not received any clear timeline or resolution to this day. One of these accounts still has over {$1800.00} frozen, with no movement. 

While I awaited BofAs resolution, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) began charging those same frozen BofA accounts, which naturally failed and bounced. These repeated failed charges triggered XXXX to suddenly and permanently close my XXXX XXXX account, despite there only ever being one true missed payment. 

Resulting Harm This triggered a catastrophic drop in my credit score, which : Severely impacted my credit utilization ratio Removed my most significant line of revolving credit Now jeopardizes my ability to secure a personal loan I was depending on to survive until a pending XXXX determination comes through. 

To be clear : I am already deemed XXXX by the State of California I am awaiting federal XXXX income I do not have any income, and am relying on XXXX, public aid, and emergency loans to survive I will default on rent and lose housing imminently unless this is resolved I now have no access to food, utilities, or medical support due to cascading financial shutdowns Core Complaint I am asking the CFPB to investigate the following : Why Bank of America has taken months with no timeline to resolve the fraud dispute and why I still have {$1800.00} of my money locked during a time of proven hardship and XXXX Why XXXX XXXX  was allowed to close my XXXX account for charges made while my funding source was frozen, despite prior notification and a record of strong payment history How this series of eventsoriginating in BofAs delay and system failureshas now made me ineligible for the very funding ( loan, credit ) I needed to prevent housing loss, medical disruption, and default

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 monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT 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 2025-09-11 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:
FTC report attached with all companys. 
Have numerous inquires also, multiple companies multiple times.

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 2025-09-12 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: CA

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me.

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility.

You are required under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported is completely accurate and verifiably associated with the correct consumer. In this case, that standard is clearly not being met. This is a violation of my rights, and I wont accept inaccurate data remaining on my file for even one day longer than necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
What happened? 
I do not accept the response made by PayPal to resolve my complaint. 

PayPal has permanently limited my account and is withholding my funds without providing any specific explanation or evidence. I have repeatedly requested clarification and transparency, but PayPal continues to send only vague, boilerplate responses stating that they are not obligated to disclose reasons. 

I have not violated PayPals policies. I did nothing wrong, yet I am being denied access to my own money. This is unfair, unethical, and feels like I am being punished without due process.

What do you think would be a fair resolution? 


XXXX. Immediate restoration of full access to my account and release of all funds. 


XXXX. Alternatively, a clear explanation with evidence of any alleged policy violation. 


Why is this a problem? 
PayPals refusal to provide transparency leaves me without recourse. I am essentially being bullied by a large corporation that is hiding behind vague statements. Consumers deserve accountability and fair treatment, not indefinite limitations with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This account XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX  has been deem as a profit and loss and has been reported to the IRS. This account can not be updated each month as a delinquency this is a violation of the Fair Credit Reporting Act, 15USC 1681 S-2 and 15USC 1681 E ( B ) laws.

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 2025-09-11 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: PA

Complaint narrative:
This account XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX  has been deem as a profit and loss and has been reported to the IRS. This account can not be updated each month as a delinquency this is a violation of the Fair Credit Reporting Act, 15USC 1681 S-2 and 15USC 1681 E ( B ) laws.

Company response to consumer: Closed with non-monetary relief