vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
What Happened : I am filing this complaint due to Experian 's violation of the Fair Credit Reporting Act ( FCRA ) by re-inserting two previously deleted accounts into my credit report without providing the mandatory written notification within 5 business days, as required under FCRA 611 ( a ) ( 5 ) ( B ) ( ii ). 
Details : * On or around XX/XX/year>, I disputed and successfully had the following accounts removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * This removal was documented in Experian Credit Report # XXXX. 
* However, on or around XX/XX/year>, both accounts were reinserted without my knowledge or consent, as shown in Experian Credit Report # XXXX. 
* I was never provided written notice of reinsertion within 5 business days, which is a clear and direct violation of the FCRA. 
* Additionally, I filed a follow-up dispute in XX/XX/year> under Report # XXXX, but Experian failed to address it or provide a response or correction.

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 2025-07-01 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX {$8600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: NJ

Complaint narrative:
Company didn't provide any information as requested. I ask to verify my social security number as will as DOB and when was the inquire made. They gave me an around about date. However, I never receive any XXXX XXXX XXXX Not to mention, it dropped my credit score XXXX points on Trans Union, XXXX FYI, I also had a credit freeze and monitor on my report. When, I was told to dispute this issue, Trans Union said I need to unfreeze my account. This is when all this took place. Very disappointed.

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 2025-07-01 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: SC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Consumer Portfolio Services, Inc.
State: SC

Complaint narrative:
I am writing to formally dispute and request the immediate deletion of fraudulent auto loans that have been reported on my credit file by Consumer Portfolio. These accounts were not authorized by me, and I am a victim of identity theft. Despite prior disputes, these accounts have been inaccurately verified and continue to appear on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and relevant provisions of the U.S. Code ( e.g., 15 U.S.C. 16811681x ).

Creditor Name ( s ) : Consumer Portfolio These accounts are not mine, and I did not authorize these transactions in any form. I have filed a police report and an identity theft affidavit, and I have enclosed copies of both documents along with a copy of my government-issued ID and proof of address.

Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), I am formally requesting that these fraudulent items be blocked from my credit file immediately. The continued reporting of these fraudulent accounts is causing undue harm and distress, and you are obligated by law to ensure the accuracy and integrity of the information you furnish to creditors and third parties. 

Should you fail to comply, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office, and I will consider seeking legal action for damages incurred. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: OH

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute the validity and enforceability of my federal student loan debt due a significant breach of my rights under the Family Educational Rights and Privacy Act ( FERPA ) and other applicable federal laws. Specifically, I request the immediate cancellation and forgiveness of my student loan accounts due to the unauthorized access to the XXXX Department of Education 's data systems by XXXX ( XXXX XXXX ) facilitated through XXXXXXXX XXXX XXXX  XXXX. 
This XXXX exposed my personally identifiable information ( PII ) and violated statutory protections under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), the Privacy Act of 1974 ( 5 U.S.C. 552a ), and potentially the 96 Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

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 2025-07-01 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: SC

Complaint narrative:
I am writing to formally dispute the validity and enforceability of my federal student loan debt due a significant breach of my rights under the Family Educational Rights and Privacy Act ( FERPA ) and other applicable federal laws. Specifically, I request the immediate cancellation and forgiveness of my student loan accounts due to the unauthorized access to the XXXX Department of Education 's data systems by XXXX ( XXXX XXXX  ) facilitated through XXXXXXXX XXXX XXXX XXXXXXXX. 
This XXXX exposed my personally identifiable information ( PII ) and violated statutory protections under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), the Privacy Act of 1974 ( 5 U.S.C. 552a ), and potentially the 96 Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

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 2025-07-01 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:
I am writing to formally dispute the validity and enforceability of my federal student loan debt due a significant breach of my rights under the Family Educational Rights and Privacy Act ( FERPA ) and other applicable federal laws. Specifically, I request the immediate cancellation and forgiveness of my student loan accounts due to the unauthorized access to the XXXX Department of Education 's data systems by XXXX ( XXXX XXXX ) facilitated through XXXXXXXX XXXX XXXX XXXXXXXX. 
This XXXX exposed my personally identifiable information ( PII ) and violated statutory protections under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), the Privacy Act of 1974 ( 5 U.S.C. 552a ), and potentially the 96 Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Someone got access to my bank account and used XXXX to send {$500.00} to a scammer. I did not authorize this transaction and did not give them access. Yet when I contacted the bank, they told me they couldnt help because it was authorized since access was granted. But I never gave any permission. I had no say in the transaction, and now Im out {$500.00} with no protection. Thats not right. This happened and was reported XX/XX/year> and they said they wouldnt help about a week later.

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 2025-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to dispute the following inaccurate information that appears inconsistently across my credit reports from XXXX, XXXX, and XXXX. 
Disputed Account/Item : * Creditor Name : LVNV * Account Number XXXX * Issue : This account is reported differently by each credit bureau XXXX Specifically : * XXXX shows The lender is LVNV Funding and theres no account status, date opened, or agency name reported. 

* XXXX  shows theres no account present at all. 

* XXXX  shows the Lender is XXXX XXXX XXXX  XXXX XXXX, it shows the agency name is LVNV Funding and theres status is a collection account. 

These discrepancies are materially affecting my credit profile, and I am requesting an investigation and correction to ensure consistency and accuracy in accordance with the Fair Credit Reporting Act ( FCRA ). 
Requested Action : Please investigate this matter with the furnisher of the information and update my credit report to reflect accurate and consistent reporting across all bureaus. Enclosed are copies of my credit reports and supporting documentation to assist with your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: GA

Complaint narrative:
I have health insurance that was not applied and XXXX XXXX are not supposed to be reported

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 2025-07-01 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} CRDTONEBNK - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX * * * * * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$310.00} XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$21000.00} INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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 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 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 2025-07-01 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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX PL XXXX GA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7300.00} XXXX CARD - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8200.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$850.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/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 2025-07-01 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:
XXXX: Formal Dispute  XXXX XXXX Charged-Off Account\nAccount Number: XXXXXXXXCreditor Name: XXXX XXXXReported Balance: $XXXXDate Opened: XXXXDate of Last Activity: XXXXTo Whom It May ConcernXXXX am writing to formally dispute the accuracy of information being reported on my credit file related to the account listed above.XXXXAccording to my credit report, this account is marked asXXXXCharged offXXXXClosedXXXXStill reporting a remaining balance of XXXXXXXXWith inconsistent reporting between bureaus, including no clarification on current ownership, collection status, or whether it was canceled, settled, or soldXXXXUnder the Fair Credit Reporting Act (FCRA), I request that you conduct a full investigation into this account. Specifically, I am requesting:XXXXVerification of the reported balance post-charge-off.XXXXClarification of the accounts ownership (i.e., was it sold to another party?)XXXX  the account was settled or canceled, please update the reporting accordingly.XXXXRemoval or correction of any inaccurate, outdated, or unverifiable information.XXXX  have contacted XXXX  Financial separately and requested debt validation and a copy of IRS Form XXXX if applicable.XXXXPlease complete your investigation and provide a written response within 30 days, as required by federal law. If the creditor cannot verify the accuracy of the account, I request that it be removed from my credit reportXXXXSincerelyXXXX 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 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/year>, I paid {$510.00} through PayPal to XXXX from XXXX XXXX and Clean for moving services. He told me to send the payment using the Friends & Family option to avoid fees. This was not a personal transaction it was for a paid service. Using Friends & Family for goods or services violates PayPals own policy. 

The movers damaged my property, including a king-size bedframe and sealed fragrance products used for my business. I contacted PayPal and reported that I was misled into using a payment method that offers no protection. I also asked them to provide documentation showing what, if anything, was reviewed. 

PayPal closed the case automatically. They gave me vague, scripted responses and refused to provide any proof of investigation. Ive received conflicting instructions and no real help. I believe this is fraud by misrepresentation, and PayPal has not taken the issue seriously or followed their own policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Lien release
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
XXXX XXXX  on their web site says I still owe XXXX and loan has been paid off in full, they need to send me a lean release so I can take off at county recorders office, they will not and when I ask no one can help me, they say I am in a computer glitch.

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 2025-07-01 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: CT

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation