vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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 credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

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 2025-04-08 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: ME

Complaint narrative:
XXXX XXXX  has been reporting that I have missed payments since the day the vehicle was a total loss. The credit report shows that the vehicle was repossessed but that information is incorrect. The vehicle was involved in a car accident and the insurance company deemed it a total loss. I have provided information that the insurance company paid the loan off with XXXX XXXX. The remaining balance was paid off by the gap insurance company. I do not have information about the gap insurance but XXXX will not provide any details to me. The vehicle was paid off and the title was released to the insurance company. There are no payment remaining on the vehicle. And it was not repossessed by XXXX. The misinformation they are reporting on my credit report has impacted my credit negatively and has made it difficult for me to move forward with purchasing a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: IL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MI

Complaint narrative:
they have been paid and in full then I asked them to update the report on my credit and they told me they will, but they have not, and I called again and I'm not getting anywhere with them. I asked XXXX to update the report, and the dispute letter says it's the correct information and it's up to date, that I still owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to report a data breach that has resulted in identity theft. My personal information was compromised, and I have already experienced fraudulent activity. I urge you to investigate this matter and take appropriate action to prevent further harm. Please advise on the next steps I should take.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, my phone was stolen, and over {$4000.00} was transferred to an unknown account from my Cash App account. Unfortunately, I didn't have a PIN set up on my phone, and my bank information was saved in the notes app, which allowed my accounts to be accessed. I reported these unauthorized transactions to Cash App, and if they conduct a proper investigation, they will see that the account is not under my name. Additionally, there are login records from different devices showing that my account was compromised. The only resolution I am seeking is the return of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Dear PORTFOLIO RECOV ASSOC Refusal to Pay Debt I am writing in response to the collection notice I received regarding the alleged debt associated with account number { XXXX } After careful consideration and review of my financial situation, I must inform you that I refuse to pay this debt. I believe this debt is disputed, and I do not acknowledge the validity of the amount claimed. Please consider this letter as my official notice of refusal to pay. 

Furthermore, I am aware of my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c. 

Please refrain from contacting me directly regarding this debt cease all communications & reporting to my customer report is a form of communications. I expect written confirmation that you will respect my request and cease all communications to me within 15 days of the date of this letter. 

Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AZ

Complaint narrative:
Mohela sent document stating my loan was forgiven and keep as official to show loan has been forgiven. They sent document again stating my loans was consolidated and I owed my account was past due {$220.00} and because of that my loan was transferred to another servicer and voided. The loans was paused because of covid and the biden administration causing all kinds of confusion. The Loan servicer used unfair practice and provided false information. My credit loweXXXX XXXX  points yesterday and I feel I was mistreated and misguided over the 30 years I was dealing with the loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX I am writing to formally dispute inaccurate information on my credit report that is seriously affecting my financial WELL-BEING ... I am aware of my rights under the Fair Credit Reporting Act and I request a thorough investigation concerning these unverified inaccuracies, this is required by FEDERAL LAW!!!! 


XXXX XXXX XXXX  Account Number : 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 2025-04-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX I am writing to formally dispute inaccurate information on my credit report that is seriously affecting my financial WELL-BEING ... I am aware of my rights under the Fair Credit Reporting Act and I request a thorough investigation concerning these unverified inaccuracies, this is required by FEDERAL LAW!!!! 


XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: GA

Complaint narrative:
I was organizing a charitable event at XXXX XXXX XXXX XXXX for the benefit of Speed for Need, which is a XXXX Non-profit organization. These donations were taken from a variety of individuals in various amounts ranging from {$30.00} USD to {$1000.00} USD from XX/XX/year> at XXXX to XX/XX/year> at XXXX. These donations total {$4800.00} USD. I attempted to transfer these funds to the charity representative at Speed for Need for the first time starting with {$1.00} USD to make sure that the routing information was correct on XX/XX/year> at XXXX. This transaction went through fine, but when I tried to transfer the rest of the funds, then a message pops up that states : " Your payment can't be completed right now. Try using another method '' I attempted to do this by routing it via different methods like they suggested, but nothing else worked. I waited XXXX business days before trying again on XX/XX/year>. However, the same thing happened. I have tried continually to get in touch with Venmo support to resolve this issue, but I have been unable to do so due to their lackluster customer support. I have gone in circles for weeks on their help page to no result. This money is charitable donations, and not my personal property.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: PA

Complaint narrative:
Id really appreciate it if you could quickly take off the fraudulent items from my credit report given the circumstances and fix any inaccuracies or fraud. This is the umpteenth time Im reaching out for your help. Ive attached documents from the relevant authorities that back up my claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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 have incorrect score on my account for no reason

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 2025-04-08 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: MI

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-04-08 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: PA

Complaint narrative:
I am submitting this complaint regarding a closed account from XXXXXXXX XXXX XXXX  XXXX that appears on my XXXX, XXXX, and Experian credit reports. The account number ends in XXXX and was reported as closed in XX/XX/XXXX. The balance is reported as {$0.00} and the credit limit was {$200.00}. 

Despite the account being closed and paid, all three bureaus are reporting derogatory remarks, including 30 and 60 days late in XXXX and XX/XX/XXXX. I dispute this reporting for the following reasons : Payment Reporting Discrepancy : The account shows as Pays as agreed and Paid or paying as agreed on XXXX and XXXX, but still reflects a derogatory 60 days late on Experian. These remarks are contradictory and create confusion for lenders reviewing my credit. 
Closed Account Paid in Full : The account was closed and the balance was paid in full. Therefore, there should be no ongoing delinquency remarks once paid. 
Negative Impact Despite XXXX XXXX : Although this account has a XXXX balance and was closed months ago, the lingering negative marks ( 30/60 days late ) are continuing to hurt my creditworthiness. This is unjust and damaging considering the resolution of the account.

Requested Resolution : I am requesting the deletion of this account from all three credit bureaus due to inconsistent and inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: PA

Complaint narrative:
I am submitting this complaint regarding a closed account from XXXXXXXX XXXX XXXX  XXXX that appears on my XXXX, XXXX, and Experian credit reports. The account number ends in XXXX and was reported as closed in XX/XX/XXXX. The balance is reported as {$0.00} and the credit limit was {$200.00}. 

Despite the account being closed and paid, all three bureaus are reporting derogatory remarks, including 30 and 60 days late in XXXX and XX/XX/XXXX. I dispute this reporting for the following reasons : Payment Reporting Discrepancy : The account shows as Pays as agreed and Paid or paying as agreed on XXXX and XXXX, but still reflects a derogatory 60 days late on Experian. These remarks are contradictory and create confusion for lenders reviewing my credit. 
Closed Account Paid in Full : The account was closed and the balance was paid in full. Therefore, there should be no ongoing delinquency remarks once paid. 
Negative Impact Despite XXXX XXXX : Although this account has a XXXX balance and was closed months ago, the lingering negative marks ( 30/60 days late ) are continuing to hurt my creditworthiness. This is unjust and damaging considering the resolution of the account.

Requested Resolution : I am requesting the deletion of this account from all three credit bureaus due to inconsistent and inaccurate 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 non-monetary relief
Consumer complaint received 2025-04-08 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: NY

Complaint narrative:
- I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: PA

Complaint narrative:
My recent credit report is showing unverified and also unauthorized collections that i never had a chance to dispute. the collections are from Self /Lead reported XXXX XXXX amount $ XXXX law i am owed proper credit reporting according to the FCRA. I am requesting debt validation for these collections because i never received written communication. In this debt validation i am asking for detailed list of my history of payments on these accounts, the original contract with my signature agreeing to pay these creditors, proof that you have a chain of title to collect in this debt, also asking to see if there had been insurance claims filed on these accounts. With out providing proof, these accounts should be removed from XXXX, XXXX, and XXXX immediately. 
selfinc/lead XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: PA

Complaint narrative:
I am filing this complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ), FDCPA, and CFPB guidelines concerning the reporting and collection of the above-referenced account by XXXX XXXX XXXX XXXX 

Violations Identified : Failure to Validate Debt Under 15 U.S. Code 1692g ( b ) : Despite my dispute being noted on all three credit bureaus, XXXX XXXX has failed to provide verifiable documentation proving the debt is valid, including the original signed contract, itemized statements, and a full chain of title from the original creditor. 
Inaccurate and Misleading Reporting in Violation of FCRA 623 ( 15 USC 1681s-2 ) : All three bureaus show identical balances across the board ( {$470.00} ), yet no supporting payment history or updates have been made since XX/XX/2021. 
The Status is reported generically as Collection account/ Account seriously past due, but no documentation has been provided to show proper notice was issued prior to collection or assignment.

The agency name is inconsistent or blank on some reports, which is misleading and fails the standard of complete and accurate data.

Continued Reporting While Account is Disputed ( Violation of 15 USC 1692e ( 8 ) ) : The account is clearly marked as disputed by the consumer on all bureaus, yet XXXX continues to report the debt monthly without resolving the dispute or ceasing reporting, which is deceptive and unlawful. 
Lack of Proper Legal Standing to Collect or Report ( FDCPA Violation ) : XXXXXXXX XXXX has not shown that they are legally authorized to collect or report this debt on behalf of XXXX XXXX XXXX XXXX XXXX 
There is no contract or assignment proof publicly available or provided to the consumer that confirms the debt was legally transferred. 
Violation of the Consumer 's Right to Privacy : Reporting a collection account without validating the debt and without consumer consent to share potentially inaccurate information violates consumer privacy rights under both FCRA and state laws.

Requested Resolution : I am demanding the immediate deletion of this account from Equifax, TransUnion, and Experian due to : Ongoing inaccurate and unverifiable reporting Failure to validate the debt Continued furnishing of information during an active dispute Potentially illegal collection activity without legal standing If XXXX XXXX XXXX can not verify this debt with documented proof, including original signed contracts and full ownership chain, they must cease and desist reporting immediately per FCRA and FDCPA guidelines.

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