vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

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 2025-06-17 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am reaching out again to SYNCB/XXXX  to highlight my serious concern about certain details in my credit profile. It seems there might be inaccuracies, and it's crucial to maintain compliance with credit reporting laws, which emphasize the necessity of entirely accurate credit information reporting the fraudulent account : SYNCB/XXXX XXXXXXXX Date Opened : XX/XX/year> Balance : {$1000.00}

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 2025-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SECURITY FINANCE CORP
State: OK

Complaint narrative:
A loan company called my reference, who works for a loan company and told them that I had an outstanding balance, and that my account would soon be turned over to collections, which is a violation of privacy and debt collection practices act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Im filing this complaint because Transworld Systems Inc. recently reported a new collection account to my credit report for an alleged XXXX  XXXX XXXX XXXX ( XXXX ) debt, totaling {$310.00}. 

This account was reported without my prior knowledge, notice, or any documentation to verify its legitimacy. 

My wife, XXXX XXXX, contacted Transworld Systems on my behalf to request details about the alleged debt. The call was recorded. During the conversation, the representative ( XXXX XXXX ) admitted the following : Transworld does not own the debt they are collecting on behalf of XXXX They have no itemized statement or documentation from XXXX They have no payment history or original start date on file The account was assigned to them in XXXX, but they only have an end date of XX/XX/XXXX When asked, XXXX nor her manager, XXXX XXXX could not provide their license number, and directed us to contact their corporate office instead.

This is a MAJOR RED FLAG and a MAJOR VIOLATION!

Despite this lack of documentation or validation, Transworld reported the debt to the credit bureaus, which appears to violate both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically : Under FDCPA 809 ( 15 U.S.C. 1692g ), a debt collector must verify the debt before continuing collection Under FCRA 623, furnishers of information must ensure accuracy and completeness of any data they report I am requesting that : This debt be formally validated or collection efforts cease immediately They provide their license number and proof of authority They not report this debt to any credit bureaus unless fully validated This complaint includes a copy of the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: GA

Complaint narrative:
XXXX  removed from my credit report.

I am writing to formally dispute certain entries on my credit report regarding student loans. Specifically, I am disputing the accuracy and legitimacy of these entries due to a breach of the Family Educational Rights and Privacy Act ( FERPA ) that I believe is linked to practices involving XXXX XXXX. 

As you may know, FERPA protects the privacy of student education records, and any unauthorized disclosure of such information constitutes a violation of my privacy rights. The presence of these student loan entries on my credit report, under these circumstances, is unfounded and unjust.

I request that you investigate this matter and take the necessary steps to remove these entries from my credit report, as they are inaccurate and a violation of my rights.

Please inform me of the outcome of your investigation and provide a copy of my updated credit report once the inaccuracies have been corrected. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, I initiated a transfer of {$1000.00} from my PayPal account to my personal XXXX XXXXXXXX XXXX account ( ending in XXXX ). PayPal deducted a total of {$1000.00} from my balance ( including a {$35.00} fee ), and the transfer is still marked as pending review

over two weeks later. Despite multiple calls to PayPal customer service, I have received no clear explanation or timeline. Each representative gives a different response, and no one can tell me when or if the transfer will be completed. The funds have not arrived in my bank account, and there is no mechanism to cancel or recover the money. This is causing financial disruption and is unacceptable. PayPal is withholding personal funds without cause or transparency, while also charging a significant fee for a transfer they have not completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
I'd like to let you know that there are items on my credit report that have resulted from fraud to which I never benefited from. I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated. I need you to prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report now. I expect this to be resolved immediately. It would be a big help to lessen the tremendous anxiety and stress it's causing me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am receiving debt collection attempts from XXXX XXXX XXXX for an account number ending in XXXX. 

I do not recognize or owe this debt. I sent a cease and desist letter requesting they stop all communication and provide verification of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ).

Despite my request, they continue to contact me without providing any proof of the debt. This may be a violation of my rights under federal law.

I am requesting the CFPB investigate this matter and ensure XXXX XXXX XXXX stops all further collection activity and communication regarding this account.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: CA

Complaint narrative:
This letter serves as a formal demand for the immediate deletion of an inaccurate and unlawfully reported bankruptcy from my credit profile. Your continued reporting of the following discharged public record violates multiple sections of the Fair Credit Reporting Act ( FCRA ) and fails to meet XXXX XXXX compliance standards for accuracy and data integrity : Bankruptcy Details : XXXX  XXXX Bankruptcy Case Number : XXXX Court : U.S. Bankruptcy Court XXXX XXXX Date Filed : XX/XX/year> Reported As : Public Record - XXXX This record is being inaccurately maintained in your system without timely verification or a complete factual update following the discharge. Under 15 U.S. Code 1681 ( a ) ( 4 ), Congress affirms that consumer reporting agencies are required to maintain maximum possible accuracy and uphold the privacy rights of consumers.

You are in direct violation of the following : 15 U.S. Code 1681n Willful Noncompliance : You are liable for statutory damages up to {$1000.00} per violation, plus punitive damages and attorney fees.

15 U.S. Code 1681o Negligent Noncompliance : You are responsible for damages and legal costs due to your failure to ensure accurate reporting. 

XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Public records must be validated and updated to reflect discharge status. Reporting an outdated or misleading bankruptcy status violates required formatting fields and consumer data integrity.

If this record is not immediately deleted, I will escalate the matter further with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC The Attorney Generals Office The XXXX XXXX XXXX ( XXXX  ) Legal proceedings in Small Claims Court for statutory damages You have 15 days to correct or delete this record. Any delay or failure to act will be treated as willful noncompliance and pursued accordingly. 

I demand a written response confirming deletion and an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: AL

Complaint narrative:
TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion, This is my fourth request for details of the procedure you followed when investigating.I sent you a several request for these accounts that I found fraudulent, but you didn\'t look into them all. You know, I researched the legislation and my consumer rights, and the Fair Credit Reporting Act states that a consumer has the right to ask for an explanation of the process used to determine the accuracy and completeness of disputed information. Additionally, it specifies that the credit bureau must respond to the consumer\ 's request for a report of such investigations within 15 days. Where is it? 
XXXX XXXX XXXX - How are you reporting late payments if I am protected by the Cares Act - Please Update to Never Late XXXX XXXX XXXX XXXXXXXX - How are you reporting late payments if I am protected by the Cares Act - Please Update to Never Late

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 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit profile regarding a tradeline from ComenityXXXX. Upon a recent review of my credit reports during the mortgage loan process, I was surprised to discover that this account is being reported as charged-off with a balance of {$490.00}, with the charge-off date listed. According to my personal records, this balance was previously paid in full and therefore no charge-off should have been applied or remain on my report. This reporting is incorrect and misrepresents my payment history and current standing with this account. In accordance with the Fair Credit Reporting Act ( FCRA ), all information furnished to the credit bureaus must be complete and accurate. I am requesting that the credit bureaus immediately update the account balance to reflect {$0.00} and the charge-off status be removed. Alternatively, I request that this tradeline be deleted entirely if it can not be verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
My car was financed by Honda Financial Services. I paid off the loan in XX/XX/year> and received the letter from HFS in XX/XX/year>, but I never received a title. XX/XX/year> I called HFS about the title, and the representative told me that the title was mailed XX/XX/year>. I told her that I never received the title, and she told me that she would send me a letter with proof that the loan is paid off, and I have to go to the Motor Vehicle department, pay {$50.00} in fees for a duplicate title, and receive a title. I asked her for the tracking number for the mail, and she told me that the title was sent as regular mail without a tracking number. I told her that without that number, there is no proof that HFS sent me that title. She told me that I have to provide her proof that I haven't received the title from HFS and accused me of lying. How can HFS be so rude to its clients? Why should I pay for the mistakes of HFS?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. 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 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 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 explanation
Consumer complaint received 2025-06-17 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: PA

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Reinvestigation Request Under FCRA XXXX XXXX XXXX XXXX ( Account # XXXX XXXX XXXXXXXX ) RE : Equifax report number XXXX To Whom It May Concern, This letter is a formal request for reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, concerning your recent investigation into the following account : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Dispute Outcome : " WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : * ADDITIONAL INFORMATION, * HISTORICAL ACCOUNT INFORMATION. '' While you indicate that this account has been verified, the response lacks adequate detail and fails to address the substance of the dispute. Additionally, the limited updates made to non-substantive fields do not resolve the issues previously raised regarding the accuracy and verifiability of the reported information.

Legal Basis for Reinvestigation According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a consumer reporting agency is required to conduct a reasonable reinvestigation if a consumer disputes the accuracy or completeness of any item of information. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the disputed information is found to be inaccurate, incomplete, or unverifiable, it must be promptly deleted or corrected.

Issues with the Current Outcome : No documentation or method of verification was disclosed, which violates 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) requiring a description of how the data was verified.

Only ADDITIONAL INFORMATION and HISTORICAL ACCOUNT INFORMATION fields were modifiednone of which pertain to the nature of the original dispute.

It is unclear whether XXXX XXXX XXXX XXXX provided actual documentation validating the information, as required by 15 U.S.C. 1681s-2 ( b ).

Request for Action : I formally request that you : Conduct a thorough and independent reinvestigation of the information reported by XXXX XXXX XXXX XXXX. 

Provide a detailed explanation of your verification procedures per FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ).

Furnish supporting documentation that verifies the accuracy and legitimacy of the account, such as original signed contracts or itemized account records.

Delete any unverifiable or inaccurate information from my credit report in accordance with the FCRA.

If XXXX XXXX XXXX XXXX is unable to provide documented proof within the reinvestigation timeframe, you are obligated to remove the disputed item from my file.

Please respond in writing with the results of this reinvestigation within the statutory 30-day period required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief