vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 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: GA

Complaint narrative:
Reinvestigation follow dispute Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately investigated. The inaccuracies are highly injurious to my credit report ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX Im accordance to FCRA public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified the information. Please follow up. Please send an updated copy of my credit report after reinvestigation.

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 2025-04-20 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: GA

Complaint narrative:
Reinvestigation follow dispute Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately investigated. The inaccuracies are highly injurious to my credit report ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX Im accordance to FCRA public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified the information. Please follow up. Please send an updated copy of my credit report after reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
A collection account from Credence Resource Management ( original creditor : XXXX XXXX XXXX ) was previously deleted twice from both XXXX and XXXX  credit reports. However, it was reinserted around XXXX 2024 without any written notice, which is required under FCRA 611 ( a ) ( 5 ) ( B ). 

The account is listed as open, with a balance of {$1700.00}, and a remark stating : Dispute resolved reported by grantor. I was never notified within 5 business days of the reinsertion, and the credit bureaus never provided documentation proving this debt is valid. 

I believe this account may have been re-aged, reinserted without certification, and furnished in violation of federal law. I submitted disputes to both bureaus and still have not received proper verification or a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX Account name : XXXX, Account name : XXXXXXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXX Account name : XXXX has XXXX XXXX XXXX. 

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 generallf, 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 con
sumer 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.

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I submitted a negotiable instrument as lawful payment on my Dell/Comenity account, consistent with UCC 3-104 . The instrument was marked Accepted for Deposit, Payable to the bearer, and included the full amount due ( {$1700.00} ). Comenity responded on XX/XX/year>, confirming receipt of my submission but refusing to process it without citing any lawful reason under UCC or the Emergency Banking Act. 

I then submitted a rebuttal letter referencing UCC 3-603 ( a ), which governs the tender of payment. Despite this, Comenity continues to report the account as 120+ days late to TransUnion. This is inaccurate and a violation of FCRA 1681s-2 ( b ), as the debt remains unvalidated and lawfully disputed after full tender.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Two XXXX  Orders were improperly delivered to the wrong address. One for the amount of {$250.00} + another order for {$62.00}. In both instances I paid for the order via Pay Pal! I've sent Pay Pal photographs of the {$250.00} that the delivery was sent to a beige hallway with indoor mailboxes. As well as my sending photographic evidence that my halls are bright blue with large outdoor mailboxes The second order was for {$62.00} The second order, was left on top of our OUTDOOR - UNSUPERVISED MAILBOXES & were stolen! 

Both deliveries were captured by carriers & photos of items delivered to the wrong address, or left outside was sent to me. I forward both instances to Pay Pal- although armed with photographic evidence that both deliveries was sent to the wrong address. Pay Pal negligently has continued to hold up refund despite my also submitting XXXX acknowledging that I am to receive a FULL REFUND ON BOTH ORDERS # 1 Purchase Order was on XX/XX/year> for {$250.00} # XXXX Purchase Order was on XX/XX/year> Please request phone recording for XX/XX/year> XXXX when the Pay Pal Supervisor hung up on me because I asked her why she stated that she couldn't see the XXXX XXXXXXXX XXXX XXXX XXXX XXXX is to return my {$310.00} for both orders expeditiously!!!!!!! When I uploaded the screenshots of the email to the previous operator as Pay Pal requested!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-21 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: CT

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. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXXXXXX XXXX XXXXXXXX BALANCED {$270.00} XXXX XXXX BALANCED {$790.00} XXXX XXXXXXXX BALANCED {$2200.00} XXXX XXXX XXXX XXXXXXXX BALANCED {$34000.00} XXXX XXXXXXXX BALANCED {$3600.00} XXXX XXXX XXXX XXXXXXXX XXXX {$2500.00} XXXX XXXX XXXX XXXXXXXX BALANCED {$810.00} These accounts has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

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 2025-04-20 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: WI

Complaint narrative:
I am writing to dispute a derogatory entry that appears on my credit report associated with Capital One via Dealer, located at XXXX XXXX XXXX, XXXX, TX. This account is currently reporting as a charge-off and includes remarks such as Charged off as bad debt and Dispute resolved ; reported by grantor. 

This account was not authorized by me and may have resulted from fraudulent activity or misuse of my personal information. I request that this tradeline be immediately removed under the Fair Credit Reporting Act ( FCRA ) due to the following : Lack of verified authorization and proper investigation. 

Potential identity theft as my information was compromised in a data breach. 

FCRA Section 605B allows for blocking of fraudulent accounts.

FCRA Section 609 ( e ) obligates you to provide valid documentation proving the accounts legitimacy. 

Please delete this item from all credit bureaus and confirm removal in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: WI

Complaint narrative:
I am writing to dispute a derogatory entry that appears on my credit report associated with Capital One via Dealer, located at XXXX XXXX XXXX, XXXX, TX. This account is currently reporting as a charge-off and includes remarks such as Charged off as bad debt and Dispute resolved ; reported by grantor. 

This account was not authorized by me and may have resulted from fraudulent activity or misuse of my personal information. I request that this tradeline be immediately removed under the Fair Credit Reporting Act ( FCRA ) due to the following : Lack of verified authorization and proper investigation. 

Potential identity theft as my information was compromised in a data breach. 

FCRA Section 605B allows for blocking of fraudulent accounts.

FCRA Section 609 ( e ) obligates you to provide valid documentation proving the accounts legitimacy. 

Please delete this item from all credit bureaus and confirm removal in writing.

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 2025-04-20 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: WI

Complaint narrative:
I am writing to dispute a derogatory entry that appears on my credit report associated with Capital One via Dealer, located at XXXX XXXX XXXX, XXXX, TX. This account is currently reporting as a charge-off and includes remarks such as Charged off as bad debt and Dispute resolved ; reported by grantor. 

This account was not authorized by me and may have resulted from fraudulent activity or misuse of my personal information. I request that this tradeline be immediately removed under the Fair Credit Reporting Act ( FCRA ) due to the following : Lack of verified authorization and proper investigation.

Potential identity theft as my information was compromised in a data breach.

FCRA Section 605B allows for blocking of fraudulent accounts.

FCRA Section 609 ( e ) obligates you to provide valid documentation proving the accounts legitimacy.

Please delete this item from all credit bureaus and confirm removal in writing.

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 2025-04-20 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: TX

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

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX REPOSSESSION XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX TransUnion

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 2025-04-20 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: TX

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

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX REPOSSESSION XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX TransUnion

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 2025-04-20 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: TX

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

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX REPOSSESSION XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX TransUnion

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( XXXX  ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ) .I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair CreditReporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX Balance {$150.00}, XXXX Balance {$160.00}.

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 2025-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax and Transunion placed a 2 debt accounts on my credit report without the proper documentations between my person and the company that claim that I have a debt with them. 

I already requested Signed contract between my person and XXXX XXXX XXXX and Equifax and Transunion are refusing to send me those signed contracts or agreements. 

They are violation my consumer right and are just posting accounts on my reports without any valid documentation that are required by the CFPB. 

FOR SURE I KNOW THEIR IS NO SIGNED CONTRACT BETWEEN MY PERSON AND XXXX XXXX XXXX, I DO NOT OWN THIS COMPANY ANY SUM OF MONEY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: TX

Complaint narrative:
I am submitting this complaint to request that Experian take immediate action, in accordance with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), to block fraudulent information from my Experian consumer credit report within 4 business days. The accounts, collections, hard inquiries and address in question are the result of identity theft and do not belong to me. I request that these items be removed from my credit report within 4 business days of receipt of this complaint, as stipulated under the FCRA. The fraudulent information that needs to be removed includes the following : Dept of EdXXXX XX/XX/XXXX for {$3000.00} Dept of EdXXXX XX/XX/XXXX for {$1000.00} XXXX  XXXX XXXX XXXX  XX/XX/XXXX {$450.00} XXXX XXXXXXXX XXXX account with State of MI XXXX XXXX XX/XX/XXXX for {$0.00} Apartment collection with XXXX XXXXXX/XX/XXXX for {$2200.00}. XXXX XXXX XXXX XX/XX/XXXX for {$1200.00} Dept of XXXX XX/XX/XXXX for {$1600.00} Dept of Ed/XXXX XXXXXX/XX/XXXX for {$1400.00} XXXX XXXX EdXXXX XX/XX/XXXX for {$2200.00} Dept of EdXXXX XX/XX/XXXX for {$860.00}. None of these accounts, collections, were initiated by me, and they are a direct result of identity theft. As evidence of the fraudulent activity, I am including a copy of my FTC Identity Theft Criminal Complaint ( # XXXX ) & ( # XXXX ). I expect that Experian will act swiftly to resolve this matter and block the fraudulent information from my credit report as required by law.I am submitting this complaint to request that Experian take immediate action, in accordance with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), to block fraudulent accounts, collections, hard inquiries in question are the result of identity theft and do not belong to me. I request that these items be removed from my credit report within 4 business days of receipt of this complaint, as stipulated under the FCRA

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 2025-04-20 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:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please Id like to remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc.
State: NC

Complaint narrative:
It's been closed since XXXX 2023 and it's still affecting my credit negatively. It also says paid off on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc.
State: NY

Complaint narrative:
I had a loan with XXXX, which they sold to Systems and Service Technologies. 
I made a loan in 2024 and the SST loan was paid off in XX/XX/year> with a check that was made to them by the new loan company. The check overpaid the SST loan, by {$440.00}. However, since then I have not received the refund for the overpayment. I called the company several times, and they told me that the check was sent out, but I have received nothing to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX/2025  To Whom It May Concern : I am writing to formally dispute inaccurate and fraudulent information currently listed on my credit report. Pursuant to 15 U.S.C. 1681c-2, I hereby request the immediate blocking of all information resulting from identity theft. 

This information was not authorized by me and is the result of criminal activity. Under federal law, you are required to block such data from my report within four business days of receipt. 

Failure to comply may result in legal action. I expect written confirmation of this block within the time frame mandated by law. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX/25 Bank of America took all of my social security check as this is my only income. They could have set a payment arrangements with me instead of taking all my income for the month of XXXX  2025 2025

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