vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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: LA

Complaint narrative:
I am writing to formally dispute inaccurate and derogatory information being reported by your agency. Several of the accounts listed in your report were legally discharged under my bankruptcy, which was finalized and discharged by the court. Despite the discharge, these accounts continue to appear in your records, which is a violation of federal consumer protection laws.

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are obligated to conduct a reasonable reinvestigation of any disputed information within 30 days of receipt. Any item that can not be verified or has been discharged in bankruptcy must be corrected or deleted to ensure maximum possible accuracy. 

Furthermore, under the XXXX Bankruptcy Code, once a debt has been discharged under XXXX  XXXX, the creditor or any reporting agency is no longer legally permitted to continue reporting the balance as due. The continued reporting of discharged debts is not only misleading but also unlawful under the FCRA and the Bankruptcy Code.

Additionally, per UCC 9-210, I am requesting a detailed accounting of any debts or obligations your agency believes remain outstanding. If such information can not be validated in writing, it must be removed.

Inaccurate demographic informationsuch as incorrect name variations, outdated addresses, and unverified employer listingshas caused undue harm to my personal and financial credibility. These inaccuracies have resulted in delayed credit approvals, difficulty verifying my identity, and obstacles in securing housing and employment. The presence of multiple conflicting records on my credit file gives the false impression of instability and misrepresents my actual history. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the maximum possible accuracy of consumer information. I respectfully request the immediate removal of all incorrect demographic details so that my credit profile accurately reflects my true identity and background.

The ongoing presence of this inaccurate information is causing severe harm to my ability to secure credit, open financial accounts, and rebuild my financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: LA

Complaint narrative:
In reviewing my credit reports in XXXX and XX/XX/scrub> 2025, I discovered that my federal student loans are being reported multiple times across different servicers, including XXXX, XXXX, and Nelnet. These duplications appear under different account numbers but represent the same original Department of Education loans, resulting in inflated balances and a misrepresentation of my overall debt. 

Between XXXX and XX/XX/year>, I submitted disputes to the credit reporting agencies ( XXXX XXXX XXXX  ) and contacted the servicers requesting verification and correction. To date, no action has been taken to resolve the duplicate reporting. This is affecting my debt-to-income ratio, credit utilization, and eligibility for financial products and housing. 

I am requesting a full investigation, validation of the accurate and current servicer, and removal of all duplicate student loan entries from my credit reports under the Fair Credit Reporting Act ( FCRA ). I am also requesting confirmation from the servicers that they have coordinated with the Department of Education or XXXX to reflect only accurate and non-redundant loan data. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681s-2, I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. Once a dispute is filed, credit reporting agencies are required to conduct a reasonable reinvestigation within 30 days. If the information in question is found to be inaccurate, incomplete, or unverifiable, it must be deleted or corrected. Additionally, data furnishers, such as student loan servicers like XXXX, XXXX, and Nelnet, are prohibited from reporting information they know or reasonably should know is inaccurate. If these accounts are duplicative or were transferred among servicers, only the current servicers account should appear on my credit report. Multiple entries for the same obligation are misleading and inflate my reported debt, which is a violation of FCRA accuracy standards.

Furthermore, under the Uniform Commercial Code ( UCC ) 9-210, I have the right to request an accounting of the obligation and a verification of the entity currently servicing or owning the debt. This supports my request that each reporting entity provide documentation validating the accuracy of the account they are reporting. If any servicer is reporting a transferred, closed, or reassigned loan, that account should be removed immediately to comply with federal law. These duplications are causing material harm to my creditworthiness and must be corrected without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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:
As a fair and lawful resolution, I am requesting the following actions be taken immediately : Permanent deletion of the inaccurate late payment reported by XXXX/DOFED, Account Number : XXXX, from my credit report. 

A reinvestigation of this account, requiring the creditor to provide documented proof that they sent prior notice ( e.g., billing statements, email reminders, or mailed notices ) before the delinquency was reported. 

If such proof can not be provided, the late mark must be permanently removed in accordance with FCRA 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681i ( a ).

A written confirmation of the deletion and an updated credit report reflecting the removal to be sent to me within 15 business days, free of charge.

Any entity that accessed my credit file during the period in which this inaccurate information was reported should be notified of the correction, as allowed under the FCRA.

This is my second request, and I have now submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ). If this is not resolved promptly, I will also escalate to the Federal Trade Commission ( FTC ) and my State Attorney Generals office, and I reserve the right to pursue legal action under FCRA 616.

I am not requesting anything outside the lawI am demanding fair and accurate credit reporting, as is my right under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: MO

Complaint narrative:
I need you to look into the mistakes that is currently being reported on my credit report. It contains numerous errors that I can no longer ignore. Ive reviewed it thoroughly and there are fraudulent information that Ive never authorized nor benefited from. I demand for immediate correction of my file and I need you to make sure sure all my information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Ive finally ran out of patience .. and the truth needs to be said instead of people believing his lies and cons cause he thinks he's XXXX XXXX in XXXX XXXX who cares to be well known in that XXXX town .him lol.. anyways I know you prbly get a lot of XXXX on here .but this man here typing... myself has been thru XXXX XXXX XXXXXXXX XXXX XXXX  .and have almostost my life over this few yrs back cause they know I don't just gossip.i like to have the undeniable truth on hand that can't be argued on hand and it's easy nowaday anyway. these phones that track everything we do .anyways lem me get to the main stuff. That really hurt me XXXX yrs ago on XXXX  the date I filled in .. changed me bad ... went through a truck windshield in below zero weather.. then .. they thought like cowards oh we can get his phone and info from his wallet .then another man XXXX XXXX .. opened up bunch of XXXX my name .we ain't including him XXXX  lol ... he died a month later... life 's crazy .but yeah he just did the XXXX ones while I was XXXX XXXX XXXX XXXX  that wreck .. my own family.. this world never surprises me anymore

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 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Porfortio recovery mangerment is on my XXXX  report twice after speaking with my attorney that cant be possible. I file with you guy about this along with my update employee XXXX and XXXX  never updated XXXX  did any the remove portfolio recovery from my report. Also the dealership ran my scores twice down from a XXXX to XXXX same dealership can you please clear my credit score back to XXXX. So XXXX XXXX  can approve me XXXX hard inquiries which was moved off XXXX same dealership which against the law to keep running my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
My information was found in the XXXX  data breach and I am a victim of identity theft. 
I would like for the companies ( XXXX, Experian, and XXXX  ) to do what is fair and equitable to me, the consumer : by deleting these items from my consumer report. XXXX XXXX XXXX. XXXX Date Open XXXX XXXX XXXXXXXX Date Open XXXX. 
Hard Inquiries : XXXX XXXX, XXXX, and 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 2025-07-19 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: FL

Complaint narrative:
My information was found in the equifax data breach and I am a victim of identity theft. 
I would like for the companies ( Equifax, XXXX, and XXXX  ) to do what is fair and equitable to me, the consumer : by deleting these items from my consumer report. XXXX XXXX XXXX XXXXXXXX Date Open XXXX XXXX XXXXXXXX Date Open XXXX. 
Hard Inquiries : XXXX XXXX, XXXX, and XXXXEquifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
My information was found in the XXXX  data breach and I am a victim of identity theft. 
I would like for the companies ( XXXX, XXXX, and Transunion ) to do what is fair and equitable to me, the consumer : by deleting these items from my consumer report. XXXXXXXX XXXX XXXX  XXXX Date Open XXXX XXXX  XXXX Date Open XXXX. 
Hard Inquiries : XXXX XXXX, XXXX, and 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 2025-07-19 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: GA

Complaint narrative:
I requested validation under FDCPA 809 ( 15 U.S.C. 1692g ) and reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ). The bureau/furnisher has failed to verify or remove inaccurate tradelines and unauthorized hard inquiries. I attach copies of my dispute letters and circled creditreport excerpts for reference

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 2025-07-19 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:
I requested validation under FDCPA 809 ( 15 U.S.C. 1692g ) and reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ). The bureau/furnisher has failed to verify or remove inaccurate tradelines and unauthorized hard inquiries. I attach copies of my dispute letters and circled creditreport excerpts for reference

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 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX demand of 1099-C disclosure and immediate cessation of collection activities for the accounts listed above of. I am requesting that you immediately provide documentation confirming whether the IRS form 1099C has been issued for this account by either your agency as the current debt owner or the original creditor prior to sale or transfer under IRS regulations ( 26 U.S.code 605 0P ), if a debt in excess of {$600.00} has been canceled or forgiven a 1099C must be file with the internal revenue service is such a form has already been issued regarding these accounts any attempts to collect the alleged debt may constitute fraud and a violation of federal law, including misrepresentation under the FDCAP and potential tax violation if a 1099C has been issued, you must immediately cease all collection efforts remove any trade line or remarked from my credit report that conflicts with the debt cancellation status, and confirm in writing that no further attempts to collect will be made.

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 2025-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I am filing a complaint against XXXX Credit Reporting, who is using the name XXXX XXXX in emails and also as Resurgent and LVNV Funding LLC. I have received harassing and deceptive communications from this agency, including the following violations : I have received text messages from at least four different phone numbers and phone calls from constantly changing numbers, making it impossible to block or trace them reliably.

This company has contacted my family members, stating that I am involved in a financial business matter that will be escalated. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits disclosure of debt to third parties.

The messages and letters have included threats of negative credit reporting, lawsuits, and garnishment if I do not pay and in some cases have implied that those actions would be stopped if I make payment, which is a coercive and misleading practice.

I have no verifiable or documented debt with this agency. They have not provided any proof, signed contract, or documentation to show I owe them anything, despite their repeated threats and pressure.

I believe these actions violate federal consumer protection laws, including the FDCPA and possibly the Fair Credit Reporting Act ( FCRA ).

I have preserved evidence including : Screenshots of messages Call logs Letters and emails Notes from third-party contact Thank you for reviewing this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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
State: VA

Complaint narrative:
Paypal and XXXX  closed my accounts with no clear reason. Per some XXXX searches, it seems to be XXXX  based risk assessments arbitrarily closing users ' accounts. 

Paypal deactivated my account on XX/XX/XXXX due to the appearance of " activity on this account that [ they ] can not process. '' Today, XX/XX/XXXX, their child company XXXX  also closed my account due to " some unusual activity linked to [ this ] XXXX account. '' I have reached out to XXXX twice today asking to elaborate on any reasons that these accounts have been deactivated. These joint deactivations now have me concerned about some sort of identity theft or something far more sinister. Both times, Deactivation Queries responded with the same boilerplate hollow autoresponse starting with, " Please be advised that due to the violation of PayPal 's Acceptable Use Policy, your account will remain permanently limited. 

The PayPal User Agreement states that PayPal, at its sole discretion, reserves the right to limit an account for any violation of the User Agreement, including the Acceptable Use Policy. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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:
I am contacting you to dispute an inaccurately reported late payment on my credit report. Upon review, I have confirmed that all payments were made as agreed and on time.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: SC

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of XXXX law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX XXXX XXXX High Balance : {$0.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 year XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) High Balance : {$5500.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 year XXXX  XXXX High Balance : {$430.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 year XXXX  XXXX  High Balance : {$27000.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 year XXXX XXXX  High Balance : {$3100.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 year XXXX XXXX XXXX High Balance : {$0.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 year XXXX High Balance : {$3500.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 year XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-19 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: SC

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of XXXX law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX XXXX XXXX High Balance : {$0.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 year XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) High Balance : {$5500.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 year XXXX  XXXX High Balance : {$430.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 year XXXX  XXXX  High Balance : {$27000.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 year XXXX XXXX  High Balance : {$3100.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 year XXXX XXXX XXXX High Balance : {$0.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 year XXXX High Balance : {$3500.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 year XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief