vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-03-26 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: NJ

Complaint narrative:
I recently reviewed my report and was shocked to find multiple inaccuracies that are harming my scores. These mistakes have already resulted in financial setbacks, unnecessary XXXX, and lost opportunities. It is deeply frustrating to be held back by errors that should not be affecting 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 non-monetary relief
Consumer complaint received 2025-03-25 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: PA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-25 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: PA

Complaint narrative:
I request the immediate removal of unauthorized accounts from my credit report. These accounts were not opened or authorized by me, and I am unaware of their source. Under USC 1681g, I formally ask that they be deleted within 15 days. Please find enclosed documents for reference. Moreover, the reported account details vary across different credit 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 2025-03-26 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: Atlanticus Services Corporation
State: CA

Complaint narrative:
from XXXX to XX/XX/XXXX and XXXX i became a victim of identity theft. someone had used my name and adress to open 2 functional credit cards in my name without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/year>25, I received an email from PayPal for a {$340.00} charge for a Bitcoin purchase from Texas which I DID NOT AUTHORIZE AND KNOW NOTHING ABOUT!!! 
I called the company and said that it was fraudulent and asked them to cancel it. 
When I called back the next day XX/XX/year>25, I was told that it had not been cancelled and I had to go on my computer to generate a cancellation form. When I did, they took control of my computer and I filled out a form but did not complete it because it was tied to unemployment insurance which I do NOT have. They said that i would be billed every week with this amount until it was cancelled. 
They also disabled my PIN number and I can not change it without a service appointment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I reached out to Experian to let them know that the XXXX account was not mine. I do not have my own phone line. I am on my dad 's account ; we have had a family account for 20 years. This is not my debt. Experian originally took it off but put it back on, when I tried to dispute it again, they immediately declined 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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/year>2024 XXXX XXXX XXXX/2024 XXXX XXXX XXXX/2024 XXXX XXXX XXXXXX/XX/scrub>/2024 Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-03-25 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: MS

Complaint narrative:
I recently reviewed a copy of my credit report and I found some inaccuracies that relate to my account. This account is impacting my ability to obtain credit. I believe you will investigate the account to make sure it is accurate. I am demanding a deletion of the following account. Here is the account that I am asking you to verify : XXXX XXXX XXXX : acct # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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:
Dear Sir/Madam, I am following up on my previous correspondence, in which I formally disputed the inaccurate reporting of late payments on my credit report concerning my XXXX  : XXXX : Bank Credit Cards account XXXX - XXXX. Unfortunately, despite my request for correction in accordance with the **Fair Credit Reporting Act ( FCRA ) **, the **Truth in Lending Act ( TILA ) **, and the **Protection Against Non-Payment of Obligations Act ( PAANL ) **, the inaccurate information remains unresolved.

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 2025-03-25 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: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  - XXXX - XX/XX/XXXX - {$830.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$180.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$3200.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$830.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been charged a debt that is double the amount I owe and they call me at 5-9 times a day 6 days a week repetitively. They do not comply with the 7-7-7 rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX  - Balance : {$270.00} - Account # : As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : 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 XXXXXXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
Numerous calls a day from many different numbers. The collector is calling from Comenity Bank. They call back as soon as I decline the call. Ive asked them to stop calling me and they still are calling me numerous times a day. They have even screened their calls and it comes across my phone as unknown. I answered the phone one day and thats how I found out it was them. This was AFTER I told them to stop calling me. Today alone they have called me XXXX  times. I do not want to keep being harassed. The main number they call from is XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: VA

Complaint narrative:
According to the Fair Credit Reporting Act, the following accounts have breached my legally protected consumer privacy rights and Under 15 USC 1681, the accounts listed below have infringed my rights. Section 602A of Title 15 United States Code 1681. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also stipulates that a consumer reporting agency can not provide an account without my written authorization. 15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may create a consumer report that contains any of the following information.Any additional negative information, except records of convictions for offenses that occur more than seven years prior to the report. As per U.S.C. 1681s-2 ( A ) ( a ), If an individual knows or has good reason to believe that any consumer reporting agency is receiving information on them, they are not permitted to provide such information

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
I am requesting that the Consumer Financial Protection Bureau investigate the following companies for prolonged inaccurate reporting and failure to resolve disputes in compliance with the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX Exeter Finance XXXX XXXX XXXX XXXX has re-aged the account multiple times by altering the original delinquency date, which violates FCRA reporting standards. This has caused the account to remain on my credit report longer than legally allowed. Despite disputes, the re-aging issue persists and continues to harm my credit. 

Exeter Finance Exeter Finance reported inaccurate balances and payment history for over XXXX  years. When I contacted them directly and requested correction or escalation, I was met with resistance, even from supervisors who told me there was nothing they could do. 

It wasnt until I disputed the account directly with the credit bureaus that the reporting was finally corrected. Exeter failed to take ownership or properly investigate the matter for years, despite obvious inaccuracies. Their delay and lack of cooperation have caused significant, long-term damage to my credit profile. 

XXXX XXXX XXXX XXXX incorrectly reported my account as charged off when the loan had actually been paid off in full. They also continued reporting a balance that did not exist. I attempted to resolve this with XXXX directly, but they failed to correct the issue. Only after I filed a dispute through the credit bureaus was the account finally updated to reflect the accurate status. 

This misreporting by XXXX had a damaging impact on my credit and should never have occurred in the first place. 

I am requesting CFPB assistance in reviewing these accounts and holding the responsible parties accountable for their reporting violations. The prolonged inaccuracies, failure to respond appropriately to disputes, and resistance to correction are in direct violation of my consumer rights. 

I am able to provide supporting documentation upon request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC
State: VA

Complaint narrative:
I am requesting that the Consumer Financial Protection Bureau investigate the following companies for prolonged inaccurate reporting and failure to resolve disputes in compliance with the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX Acima Credit XXXX XXXX Acima Credit Acima Credit has re-aged the account multiple times by altering the original delinquency date, which violates FCRA reporting standards. This has caused the account to remain on my credit report longer than legally allowed. Despite disputes, the re-aging issue persists and continues to harm my credit. 

XXXX XXXX XXXX XXXX reported inaccurate balances and payment history for over XXXX  years. When I contacted them directly and requested correction or escalation, I was met with resistance, even from supervisors who told me there was nothing they could do. 

It wasnt until I disputed the account directly with the credit bureaus that the reporting was finally corrected. XXXX failed to take ownership or properly investigate the matter for years, despite obvious inaccuracies. Their delay and lack of cooperation have caused significant, long-term damage to my credit profile. 

XXXX XXXX XXXX XXXX incorrectly reported my account as charged off when the loan had actually been paid off in full. They also continued reporting a balance that did not exist. I attempted to resolve this with XXXX directly, but they failed to correct the issue. Only after I filed a dispute through the credit bureaus was the account finally updated to reflect the accurate status. 

This misreporting by XXXX had a damaging impact on my credit and should never have occurred in the first place. 

I am requesting CFPB assistance in reviewing these accounts and holding the responsible parties accountable for their reporting violations. The prolonged inaccuracies, failure to respond appropriately to disputes, and resistance to correction are in direct violation of my consumer rights. 

I am able to provide supporting documentation upon request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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:
I am writing to you regarding the account identified as XXXX which was charged-off or placed in collections on XX/XX/year>. After reviewing this account, I believe there may be grounds for removal of this derogatory item from my credit report. 

I am fully committed to resolving this matter. I have since improved my financial management and overall situation, ensuring reliability and proactively handling my current obligations. Given my improved status, I am hoping to negotiate a good will request for the removal of this negative listing from my credit profile. 

please confirm in writing that you will remove the charge-off/collection from my credit report with all major credit bureaus ( XXXX, XXXX, and TransUnion ). 

Thank you for your time and consideration. I look forward to your positive reply and am eager to resolve this matter amicably. 

Sincerely, 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 2025-03-25 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: MD

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On Monday, XX/XX/XXXX at XXXX XXXX I made a payment to XXXX using PayPal . I selected their Pay in 4 option which I was pre-approved for and continued with my payment. Before confirming, I was shown the amount that would be debited every XXXX weeks from my account. I agreed to their terms and paid. 

Once the payment had been made, I did not receive the usual notification from my bank letting me know that a charge had been made to my account. 

On Tuesday afternoon I received another notification from my bank saying my account was overdrawn due to this payment but instead of charging me the {$160.00} as promised, they had charged my card the entire amount of {$670.00}. 

I immediately called PayPal and spoke to XXXX different supervisors explaining there was a glitch on their site and that this could potentially become a bigger issue if not addressed. Neither of these supervisors were willing to help and said we should contact the vendor. I told them I had XXXX separate documents stating the form of payment was PayPal Pay Later. In writing, but they were not interested and again said there was nothing they could do. 

Due to PayPal 's neglect and refusal to help resolve this issue, my personal bank account is now overdrawn and causing me to be delinquent with other payments. 

Key Points : I selected Pay in 4, not full payment. 
PayPal displayed a breakdown of installments NOT the full amount. 
I never agreed to {$660.00} upfront, nor was I notified of a denial. 
The receipt still shows PayPal Pay Later proof of intent and selection. 
I am on a fixed income and only budgeted for the XXXX  % ( Roughly {$160.00} ) installment. 

Any help would be most appreciated. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: CA

Complaint narrative:
Identity Theft please check information concerning Equifax data breach below in attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation