vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-22 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: FL

Complaint narrative:
Experian continues to report inaccurate and unverifiable accounts on my credit file despite multiple disputes. They increased negative notations after I filed disputes, which appears retaliatory. XXXX has already deleted these same accounts. I request immediate deletion of these entries and a full CFPB 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 2025-03-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CCF Intermediate Holdings LLC
State: SC

Complaint narrative:
I was a victim of identity theft and I never authorized or tried to receive anything from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: IA

Complaint narrative:
I filed a FTC Report Number : XXXX because victim of Identity Theft and followed the plan FTC had and it did not help. 

I wrote a dispute letter to Barclays Bank of Delaware on XX/XX/year>. 

I sent a follow up letter to Barclays Bank of Delaware on XX/XX/year> because I did not receive any response. 

I sent a letter to the credit bureaus and have tried online disputes I did not receive any response or verified with no documentation.

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 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Self Financial Inc.
State: IL

Complaint narrative:
I initially disputed this matter on XX/XX/XXXX and the company responded and did not provide a reasonable resolution and the complaint was closed. I was not able to point out the discrepancies found in the card member agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: CA

Complaint narrative:
XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time.

I am officially opting out of your reporting services. Unless I personally authorize specific information to be furnished, I exercise my federally protected right to opt out of any and all future 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
Consumer complaint received 2025-03-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am disputing the accuracy of a charged-off XXXX loan that appears on my Experian credit report. The loan ( original amount : {$250.00}, opened XX/XX/XXXX ) is being reported as charged off with a {$120.00} balance. However, XXXX failed to provide complete documentation validating this amount. 

I submitted a written dispute to XXXX on XX/XX/XXXX requesting validation of the balance and a full transaction/payment history. Their response acknowledged the loan was charged off on XX/XX/XXXX due to being XXXX days late, and they confirmed my last payment was {$24.00} on XX/XX/XXXX. They also noted a failed payment on XX/XX/XXXX and listed subsequent missed payments, but they did not provide any documentation breaking down how the final {$120.00} balance was calculated or any collection attempts before charge-off. 

Additionally, my Experian report does not show a full payment history and misrepresents the timeline. Despite my request, XXXX did not provide complete verification or update the reporting to accurately reflect payments made. This tradeline appears to be incomplete and possibly misreported. 

I am requesting a full investigation and that Affirm either correct the tradeline with accurate information or delete it entirely if proper validation can not be provided.

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 2025-03-22 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: GA

Complaint narrative:
This account has been closed for over 6 years and should have been marked as inactive. According to the Fair Credit Reporting Act ( FCRA ), negative information such as this account 's credit limit exceeded status should only be reported for 7 years from the date of closure. Since the account was closed over 6 years ago, it is no longer active, and any reporting of credit limit exceedance or changes in the balance is incorrect.

Under the FCRA, Section 605 ( 15 U.S. Code 1681c ), accounts that are closed should not report new negative information after theyve been closed, especially when the account is no longer active. The reporting of this activity after the accounts closure is a violation of the FCRAs provisions that limit the accuracy and completeness of credit report information.

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 2025-03-24 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: MA

Complaint narrative:
I was reviewing my credit report and i found about XXXX inquiries that i dont really recognize, apparently trying to use my info to get credit. Theses inquiries are between XXXX and XXXX and didnt notice it till about a few weeks ago. These inquiries are : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: WA

Complaint narrative:
I had my personal info and all my personal documents stolen a few years ago, people had used my info to get stuff I guess and they got a car it looks like, under my name even though it wasnt me. I want to get this stuff off my credit because its really causing a hardship for me. With all that stuff about the lawsuit from the CFPB its really making me scared this stuff wont be done right. I dont want to have to sue the credit places like the CFPB did to make sure this is done right. Please take this stiff off my 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 non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I opened an account at Coinbase and traded XXXXXXXX XXXX  for XXXX  XXXX. I then wanted to send these tokens to my cold storage wallet. The first send was for a small amount and was sent correctly. The next send was for a larger amount and my account was temporarily locked from sending for 30 days to help prevent fraud. After 30 days my account was still locked and I was told it would be 3 days to become unlocked. After this time, my account was still locked and I was told XXXX more days were needed. That is when I realized I needed to contact CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Dear CFPB, I am writing to file a complaint against PNC Bank in XXXX regarding an unresolved issue with a {$5000.00} check in XX/XX/year>. Despite my request to stop this check, the bank failed to do so, resulting in a loss of funds. 

I experienced poor customer service, being repeatedly transferred between managers without resolution or information. 

I am seeking your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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 send dispute letter that information and account that need to be delete from credit file i send them document and no help. This accounts 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 2025-03-22 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: TX

Complaint narrative:
I send dispute letter that information and account that need to be delete from credit file i send them document and no help. This accounts 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 2025-03-22 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: MO

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.

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 2025-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against cash app ( Block , inc . ) due to inadequate customer service and unfair practices. Which violate the consumer financial protection act ( XXXX ) specifically. Cash app failed to take timely and effective measures to prevent and address fraud on their platform. Leaving my account vulnerable and unprotected furthermore. their dispute resolution requirements under the electronic fund transfer act ( XXXX  ) and regulations XXXX these actions have caused significant inconvenience and financial loss. and I seek appropriate redress

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are multiple unauthorized hard inquiries on my credit report that need to be removed 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 2025-03-22 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:
Inaccurate reporting. XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX Last reported XX/XX/year> {$1000.00} 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 non-monetary relief
Consumer complaint received 2025-03-24 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.I told the Experian, Transunion, and Equifax to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. According to law 15. U.S.C 1692C you have violated my rights by unlawful communication please remove this collection off of my credit card report 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 non-monetary relief
Consumer complaint received 2025-03-24 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.I told the Experian, Transunion, and Equifax to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. According to law 15. U.S.C 1692C you have violated my rights by unlawful communication please remove this collection off of my credit card report thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: PA

Complaint narrative:
I am submitting this formal complaint regarding the inaccurate, incomplete, and unauthorized reporting of a closed educational installment account by DEPTEDXXXX account XXXX XXXX, to all three major credit bureaus ( TransUnion, Experian, and Equifax ).

Violations The account was closed in XXXX, with a {$0.00} balance, and has remained inactive for over 8 years. It should have been removed under the Fair Credit Reporting Act ( FCRA ), which limits negative information to 7 years. The account is past the reporting statute and should be deleted entirely, not remain marked as " current '' or active.

The payment status is listed as " Current '' despite the fact that the loan has been paid in full and closed since 2016. This is misleading and inaccurate, artificially impacting my credit profile. 
The account still contains comments such as Dispute resolved ; reported by grantor, which implies unresolved prior disputes even after full resolution. This may violate FCRA 607 ( b ) ( requiring maximum possible accuracy ) and FCRA 605B ( handling of disputes ).

FERPA Violation Notification : I am also adding that XXXX XXXX and DOGE ( Department of Government Entities ) were granted unauthorized access to educational records, which include federal student loan data. There are public articles and documented evidence confirming this breach of privacy. This violates FERPA ( Family Educational Rights and Privacy Act ), and any organization reporting or using this educational data should be held accountable for maintaining its confidentiality and integrity. 


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 non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MCT GROUP INC.
State: CA

Complaint narrative:
Dear CFPB Representative, I am writing to formally lodge a complaint regarding a collection account reported on my credit file, which I have no knowledge of and am unaware of its validity. I believe this account has been reported inaccurately, and I would like your assistance in resolving this matter. 

Specifically, I am raising the following concerns : XXXX. Lack of Knowledge : I have no prior knowledge of this alleged debt, nor have I ever entered into an agreement related to this account. 
XXXX. No Opportunity to Dispute : I was not provided with an opportunity to dispute this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. Failure of Proper Notification : I did not receive any proper notification regarding this debt. If the reporting agency or collector believes I was notified, I request evidence in the form of a certified mail receipt with my signature confirming receipt. 

If the reporting agency or collector can not provide this information, I demand the immediate removal of this account from my credit report. Should this issue remain unresolved, I will pursue legal action for damages resulting from this inaccurate reporting and violation of my rights under the FDCPA and Fair Credit Reporting Act ( FCRA ). 

I trust the CFPB will take this matter seriously and conduct a thorough investigation to ensure compliance with federal laws. I look forward to your prompt response and resolution of this issue. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
I woke up to my to this being in my account I don't know who requested this or how they got into my account I reached out to affirm after many attempts someone said that they're going to forward it to their fraud department I've never shopped at XXXX XXXX in my life and I've asked both companies to shut this account down. I do have an account with affirm with purchase I have made but I getting alot of attempts or open account that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX XXXX  of Debt XXXX. I have made the company aware of this, there are a multitude of accounts on my consumer file as a result of this. Including addresses, accounts, & inquiries etc. As per the law, they should be removed after I provide proof of who I am, as well as a victim determination letter according to 1022. 142 ( b ) ( 6 ).

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