vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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. 
Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, has violated my rights. 

I looked at my credit bureau credit report on [ date ] and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 U.S.C. 1681B ( 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. I kindly request that you block th
is information from my credit report within four business days

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 2025-06-02 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: CA

Complaint narrative:
XXXX continues to report a derogatory XXXX XXXX account that was paid in full on XX/XX/year>XXXX Despite confirmation of full payment, the account still shows a past due balance and is damaging my credit. I contacted the company directly and they refused to remove the account, falsely claiming they are unable to do so due to federal regulations. This is incorrect and misleading. 

Under FCRA Section 607 ( b ) and 611 ( a ), furnishers must report accurate and complete information. Keeping a fully paid account listed as derogatory is noncompliant and deceptive. This account is resolved and should no longer appear in any negative form. This is hurting my credit score and impacting my ability to secure housing and credit approvals. Proof of payment is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: DC

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: DC

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IN

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Jefferson Capital LLC Jefferson Capital LLC XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Subject : Request for Debt Validation To Whom It May Concern, I am writing in response to your [ letter/phone call ] received regarding an alleged debt you claim I owe. I am requesting validation of the debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following information : 1The name and address of the original creditor.

2The original amount of the debt, and any interest, fees, or other charges that have been added.

3A copy of any judgment ( if applicable ).

4Verification that you are legally entitled to collect this debt in my state.

5A copy of the original contract or agreement bearing my signature.

Be advised that until this debt is validated, you are required to cease all collection activity, including reporting this information to any credit bureaus. 
If you are unable to provide the requested documentation within 30 days, please remove any reference to this debt from your records and cease all further contact. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: LA

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : TRANSUNION Account Name : XXXX XXXX CU Account Number : XXXX Opened XXXX Balance : {$2200.00} Account Name : XXXX  Account Number : XXXX Opened XXXX Balance : {$0.00} EXPERIAN Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Opened XXXX Balance : {$2200.00} Account Name : XXXX  Account Number : XXXX Opened XXXX Balance : {$0.00} Account Name : XXXX. XXXX, XXXX Account Number : XXXX Opened XXXX Balance : {$750.00} Account Name : XXXX XXXX XXXX Account XXXX : XXXX Opened XXXX Balance : {$140.00} Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Opened XXXX Balance : {$280.00} EQUIFAX Account Name : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Balance : {$22000.00} Account Name : XXXX  Account Number : XXXX Opened XXXX Balance : {$0.00} These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION
State: AL

Complaint narrative:
I received a consumer background report from First Advantage and it includes a previous address that I have never lived at. The address is listed as me having lived there for 1 day, but I was never there. I do however believe it is a prior address of my husband. We were not married at the time nor did he live there the year expressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a few unauthorized inquiries on my EXPERIAN credit report that I demand to be PERMANENTLY REMOVED IMMEDIATELY. XXXXXXXX XXXX XXXX UTILIZING 15 USC 1681b ( 2 ), 15 USC 1681 ( q ), 15 USC 1681c-2 .

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 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX a company called XXXX  charged my card for XXXX transactions equaling {$700.00}. I called chase immediately and told them. They said that money was taken out at a XXXX  in XXXX. I was told the card would be canceled and I would recieve a new one. As well as a credit would be posted onto my account and then an investigation would take place. After the XXXX days I was accruing multiple insufficient fund fees so I called Chase account. I was reassured a credit would be put into my account and the insufficient fund fees would be reversed. On XX/XX/XXXX I walked into Chase bank branch and told them about the situation. We called claims there and they said the claim was denied. I was never credited or anything like promised. I was told to submit proof for a second look at the claim. The agent at the branch had me submit a picture of my work schedule showing I was at work. Screenshots of over XXXX XXXX XXXX of XXXX where other people stated this exact thing has happened to them. Screenshot of a payday loan I took out to show its possible for a my information to be leaked. And charges showing I used my card in XXXX XXXX around the days of the transaction proving I wasnt in XXXX. I was denied agin for the second time. I am now facing over {$450.00} in late fees. I called claims and they said its a authorized transaction. I demanded to speak with a manager and they said they didnt have anyone available and I would need to wait 1-2 business days for a call back from one of them. This has not allowed me to purchase medicine in a time of need and really put me in a hard situation. I have banked with Chase for XXXX  years and never make claims. I feel lied to and taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NY

Complaint narrative:
My loan was reported as 90 Days later. When I contacted the Student Loan office I was told no payment was due and that my loans was transferred to another company which I received no notification

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 2025-06-02 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: NY

Complaint narrative:
My loan was reported as 90 Days later. When I contacted the Student Loan office I was told no payment was due and that my loans was transferred to another company which I received no notification

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 2025-06-02 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:
My loan was reported as 90 Days later. When I contacted the Student Loan office I was told no payment was due and that my loans was transferred to another company which I received no notification

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NJ

Complaint narrative:
( NAME ), ( SSN ), ( DOB ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of : ( ACCOUNT and ACCT number ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: MA

Complaint narrative:
" This account is fraudulent. I submitted an FTC report and ID. Per FCRA 1681c-2, you must block/ delete within 4 days. Verification is invalid. Please re-investigate and confirm removal.

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 2025-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: ID

Complaint narrative:
This is regarding my auto loan from Toyota Financial Services. I have never had a problem until now ; I suspect it's because I've almost paid off the whole loan. 

I've been on Auto-pay for the entire life of the loan. In XXXX I made a double-payment, and XXXX took it upon themselves to not take my autopayment for XXXX due to the double payment, even though I wanted them to. In XXXX, I cancelled my autopay due to wanting to make a one-time, principal-only payment. I cancelled autopay and immediately scheduled the one-time payment for my same due date ( XX/XX/year> ). I have email records of XXXX scheduling the one-time payment for XX/XX/year>. The money was taken out of my account on XX/XX/year> ( I have statements ). Then I got an email from XXXX that my account was 11 days overdue. I submitted a request with the company and tried calling but can not reach an agent. They haven't posted this on my credit report yet but I assume they will. I've never had a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NM

Complaint narrative:
I just recently paid off any past due balance on my student loans in XXXX after this whole mess with the government coming after borrowers. I couldnt even register for an account before the deadline because the website never works and because if you try and call, youre on hold for hours every time. I just got a new notification about some of my loans being reported for late payments. It says I am late for a payment from XXXX and/or XXXX of this year on these accounts. I just paid anything late off and the only balance now showing in my loans is not due until the XXXX of this month. So, nothing should be late. I went and paid this balance now just in case, but this is illegal. They reported late payments that I have already paid and reported payments that are not even due yet, so not late. This is ridiculous. They have already devastated my credit report and made it harder for me to pay other bills because they keep reporting more and demanding more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: VA

Complaint narrative:
As a result of a recent data breach, my credit file now shows fraudulent accounts. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting their removal within 4 days : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX VA XXXX XXXX delete and block the following accounts from my credit report Accounts Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-02 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: VA

Complaint narrative:
As a result of a recent data breach, my credit file now shows fraudulent accounts. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting their removal within 4 days : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX VA XXXX XXXX delete and block the following accounts from my credit report Accounts Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
My sons Venmo account has been compromised for several months. Although he can log in with his phone number and password, the two-factor authentication ( XXXX ) is routed to an email address that is * * not his and is completely unknown to him * *. This prevents him from accessing his account and appears to be a case of * * account hijacking * * through unauthorized modification of security credentials. 

We have contacted Venmo customer service * * multiple times * * over several months through their website, email, and app without resolution. Each time we receive either an automated message or a generic response that does not address the security issue or help us regain access. 

We have clearly explained the issue that the account was taken over and the XXXX email changed but Venmo has not initiated any manual identity verification or provided a secure path to recover the account. This lack of assistance is unacceptable given that the account may contain sensitive financial data and funds. 

We are requesting : * A formal investigation into this case of account hijacking. 
* That XXXX provide a secure and verifiable method for account recovery. 
* XXXX that any unauthorized access or transfers are halted and, if applicable, reversed. 

This has caused significant distress and frustration. We hope the CFPB can assist in compelling Venmo to take this matter seriously and help us recover the account securely.

Company response to consumer: Closed with explanation