vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Disputing Information in Credit Report- BARCLAYS BANK DELAWA XXXX # XXXX I am writing to dispute the following information in my file. This item BARCLAYS BANK DELAWA XXXX is inaccurate. I have never used or retained an authorized user credit card as described below. As this account deeply affects my credit score and does not correspond to my property or usage. I am requesting that this item be removed immediately from my credit report by the fair credit act. 
Account info Account number : XXXX Balance : {$1300.00} Balance updated : XXXX Credit limit : {$1000.00} On the other hand, as an authorized user it is not my financial responsibility to pay this dept. Please Have this information deleted from my credit report ASAP. Send me written confirmation once this request has been processed. If you need any additional information or documentation, please feel free to contact me at : XXXX de XXXX XXXX XXXX Email : 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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: CA

Complaint narrative:
Using instructions provided by XXXX, i returned the phone and equipment as required. However, XXXX charged me anyway. I provided tracking number for shipment. They claimed they would remove the debt but they never did. So they charges me for a returned iphone and XXXX months service after i returned it. Then reported to XXXX credit bureaus. Then sold the debt to a debt collector who reported to all three credit bureaus then they sold it to another debt collector and they made a new report on all three bureas. So the same erroneously reported information has been erroneously reported sold reported again then sold again and reported again. XXXX reports on the same erroneous report. 6 years of destroying my credit and equal opportunityXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( who claims original creditor is tbbbb finance )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: MA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: 21ST MORTGAGE CORP.
State: IA

Complaint narrative:
i paid my loan current in XXXX of XXXX but they just reported me as being XXXX  days late on my payment. i paid them XXXX or there abouts to bring it current, i put flood insurance on the house as requested by them with no help from them ( they said they could put insurance on it like they had before but they cancelled it, and after paying my account current in XXXX oXXXX XXXX i put insurance on it which they said was not sufficient, they tried to sue me again, but i put flood coverage on it as requested through their insurance company they use, and they are reporting my account XXXX days past due which would not even be possible. just like they held my money before when i sent it to them in the account for XXXX months didnt apply it to any payments. 

they are wrecking my credit, making it hard for me to get absolutely anything and this needs to be taken care of. 

you can look on my experian account and see that it still reads XXXX days past due. 

the name of the company is 21st Mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: OH

Complaint narrative:
The account was charged off on the following date XX/XX/year> since then the account has repeatedly been updated as charged off every month. This is an update in the payment history, a charge off account should not include active payment history. This inaccurate information falsely manipulates the statute of limitations. There are also 3 different closed dates and 3 different last activity dates listed across all 3 credit bureau. The credit reporting companies failed to investigate this account properly and thier neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXXXXXX XXXX  account number XXXXXXXX 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 2025-05-13 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: OH

Complaint narrative:
The account was charged off on the following date XX/XX/year> since then the account has repeatedly been updated as charged off every month. This is an update in the payment history, a charge off account should not include active payment history. This inaccurate information falsely manipulates the statute of limitations. There are also 3 different closed dates and 3 different last activity dates listed across all 3 credit bureau. The credit reporting companies failed to investigate this account properly and thier neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXXXXXX XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number [ Account Number ] for my [ credit card, auto loan, and/or mortgage ] to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my [ credit card, auto loan, and/or mortgage ] have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : [ Company - date4 ] XX/XX/2025 I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 
I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 
Thank you for your attention to this important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MT

Complaint narrative:
I have attempted to resolve my student loan dispute with both my servicer, EdFinancial, and the U.S. Department of Education, but have not received the required documentation to validate my loans. Specifically, I requested the following critical documents : Master Promissory Note ( MPN ) The original, signed agreement that legally binds me to the terms of my loans.

Complete Chain of Title Full records showing every transfer of ownership or servicing rights for my loans from origination to the present date.

Consolidation and Transfer Documentation All authorizations, consents, and agreements that legally allowed for the transfer or consolidation of my loans, including any agreements with private institutions or third-party servicers.

Payment and Interest History An itemized breakdown of all payments, interest accruals, capitalized interest, and fees, including the basis for any balance adjustments.

Loan Validation and Compliance Records Any documents proving the current balances are accurate, legally enforceable, and properly calculated, including internal audits, compliance reviews, and certifications.

Despite repeated requests, EdFinancial has admitted that they can not locate the original, signed MPN for my loans, which is critical to validating this debt. Without it, my loans may not be legally enforceable. Additionally, the Department of Education has failed to provide the complete chain of title and other critical records needed to verify the accuracy and legitimacy of my debt. 

I believe this constitutes a breach of contract and a failure to comply with federal regulations, including the Fair Debt Collection Practices Act ( FDCPA ) and the Higher Education Act ( HEA ). I am requesting a full investigation into this matter and a resolution that includes the immediate suspension of all collection efforts until my loans can be properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: Early Warning Services, LLC
State: MD

Complaint narrative:
I am a victim of identity theft. I recently obtained my Early Warning Services consumer report and discovered multiple fraudulent accounts listed under my name. 

The accounts in question include : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never opened or authorized these accounts. These fraudulent entries are harming my ability to open new banking relationships. I submitted a formal dispute directly to Early Warning Services, including a copy of my FTC Identity Theft Report ( Report # XXXX ), my ID, and the disputed accounts. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring these entries are deleted from my consumer file. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding XXXX XXXX Apartments, located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX, and the credit reporting practices of XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, WA XXXX. My complaint addresses violations of tenant rights, predatory credit reporting, and subsequent damages that have severely impacted my life as a XXXX veteran. 

Background and Lease Violation at XXXX XXXX : In XX/XX/XXXX, I began experiencing excessive noise disturbances from a neighboring unit at XXXX XXXX, which persisted until approximately XXXX XXXX, violating the noise ordinance as outlined in the lease agreement. Despite my repeated complaints to property management and multiple police reports, the disturbances continued, escalating in XX/XX/XXXX when my neighbor kicked my door repeatedly, creating a hostile and unsafe environment for my family. As a XXXX veteran with a XXXX XXXX son, these conditions were intolerable. Property management failed to address the issue adequately and directed me to security, which proved ineffective. As a result, I notified them of my intention to move, which they acknowledged as valid under the circumstances. 

However, the property management took advantage of my disability by not providing the necessary paperwork to formally end my lease. Per California Civil CXXXXe XXXX, landlords are legally required to mitigate damages by attempting to re-rent the property after a tenant vacates. XXXX XXXX successfully re-rented the unit, as evidenced by a bill stating my liability ended on XX/XX/XXXX. Despite this, XXXX XXXX XXXX reported a {$21000.00} debt, which is both inaccurate and unfair, given that the unit was re-rented. 

Credit Reporting Issues and Consequences : The false and predatory reporting by XXXX XXXX has severely impacted my ability to secure housing. In XX/XX/XXXX, I discovered mold at my new residence and attempted to relocate by XX/XX/XXXX but was denied housing due to the erroneous credit report. I eventually became homeless and struggled to secure stable housing until XX/XX/XXXX. Despite my attempts to resolve the issue with XXXX XXXX, their representatives were dismissive and uncooperative, even mocking my efforts. 

TransUnions Responsibility : Under the Fair Credit Reporting Act ( FCRA ) ( XXXX U.S.C. XXXX ), credit reporting agencies must ensure the accuracy of information. TransUnion failed to validate the debt and did not investigate the dispute properly, thereby allowing false information to persist on my credit report. This has caused significant financial and emotional distress.

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 2025-05-13 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: SC

Complaint narrative:
I am writing to follow up on previous disputes regarding the accuracy and consistency of negative accounts appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that the information you report is accurate, verifiable, and consistent across all bureaus.

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 2025-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to follow up on previous disputes regarding the accuracy and consistency of negative accounts appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that the information you report is accurate, verifiable, and consistent across all bureaus.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX, FL XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


3. Incorrect Employers :. My correct Employer is : XXXX XXXX XXXX  Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-05-13 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
It appears that there are incorrect information reflected in my file, and I would like to ensure that only accurate and verified information remains on my record. Please see the attached document for reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I only owe {$24000.00}. on a XXXX loan and I just need more time of modification.

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 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: ID

Complaint narrative:
In regards to case XXXX, the XXXX 's representative said that they would provide me a {$50.00} credit on XX/XX/year>. XXXX 's did not pay out the credit and instead decided to close my accounts. This is contrary to what they said they would do in the case. Please help in making XXXX 's send me a {$50.00} check.

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 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Block, Inc.
State: SC

Complaint narrative:
I opened a Cashapp account in XXXX XXXX XXXX XXXX and its was hacked. XXXX moment everything is ok then I started getting charges for XXXX and XXXX XXXX XXXX XXXX which I do not remember and have tried to research opening but yet it was taking money to pay without my authorization. I reached out when they put in about Cashapp in XX/XX/XXXXXXXX XXXX  and put in a claim about it. I also opened a new Cashapp that is XXXX XXXX I reached out twice after the claim was put in to update my email and make sure I put in the right Cashapp tags. I do not know what or how to erase the profile that is none working erased in entirety for the fear of privacy and identity theft purposes if I and I alone am not using the account. I recieved XXXX messages that were automatically sent that they did Cashapp did not see anything with my information so I provided it again and stated my current info so it matches and know my privacy and info is safe current and ok to conduct what ever affairs I need to without fear of it being misused. Then Im found but no one reached out to me no one confirmed or verified anything and they issued a credit to my account on XX/XX/XXXXXXXX  from Cashapp XXXX XXXX  {$1.00} if you could not find me how could a credit be issued. I am fearful now more than ever of my information being tampered with or used in any kind of way and I have and am a victim of this identity theft breach and I want Cashapp to XXXX get my account in order for good and not feel victimized that I can not even access my old account or having to be inconvenienced with having to create another XXXX so I could use the service not knowing what info maybe floating out there or if it is done third party so I am complaining today and writing this statement XXXX XXXX XXXXXX/XX/XXXX. Thank you for your assistance in this matter XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation