vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
am filing this complaint because XXXX and the credit reporting agencies ( Experian, XXXX, and/or XXXX  ) are reporting multiple inaccurate, incomplete, and unverifiable pieces of information on my credit report. The account in question contains serious violations of the Fair Credit Reporting Act ( FCRA ). 
The XXXX XXXX  loan account is being reported with the following problems : Inaccurate late payments Incorrect and unverifiable current balance Incorrect original balance Incorrect or misleading account status A future date updated of XX/XX/year>, which is impossible and indicates the information is not being validated before reporting. 
Because the information reported includes an impossible future date, it is clear that the credit bureaus and XXXX have failed to apply required accuracy and data integrity checks under FCRA 607 ( b ). 
Under the FCRA, all information must be accurate, complete, and verifiable, and the credit bureaus must conduct a reasonable reinvestigation when a consumer disputes information. I filed a dispute because this account contains multiple inaccuracies. These items can not be verified because they are incorrect, yet the account is still being reported. 
This violates : FCRA 602 Congressional findings and purpose FCRA 607 ( b ) Maximum possible accuracy requirement FCRA 609 ( a ) ( 1 ) ( A ) Requirement to provide source documentation FCRA 611 Consumer dispute & reinvestigation requirements FCRA 623 ( a ) ( 1 ) ( A ) Furnishers duty to report accurate information The presence of a future date ( XX/XX/year> ) demonstrates procedural noncompliance and data integrity failures. This also violates FACTA and GLBA data accuracy guidelines. 
I am requesting that the CFPB require XXXX and the credit bureaus to : Conduct a full, lawful reinvestigation Provide complete documentation supporting all reported information Correct or delete any information that can not be verified with original records Address the data integrity issue that allowed a future date to be reported At this time, I am requesting the permanent deletion of the entire XXXX account from my credit report because it contains inaccurate, incomplete, and unverifiable information, making it noncompliant with federal law. 
I am asking for CFPB intervention because the information continues to be reported despite clear evidence of errors and federal violations. 
Thank you.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
I have a XXXX  account I am unable to access because of a phone number change. When I tried to sign into my account with my ID and password, there were no options to verify my identity on my account except an old phone number. They would not set up an alternative verification on an account I have held for several years without me uploading into the cloud several sensitive documents including my drivers license which I refused to do. They offer NO other option. I have been the victim of identify fraud and it has taken me several years to get it all straightened out. There is no safe way to put official documents in the cloud. I have an {$84.00} balance in my account which they refuse to release unless I upload my IDs. Can this possibly be legal?? Paypal has a horrible reputation and I was unaware they owned XXXX  or I would never have done business with this sleazy company. I want the balance of my account refunded and my account CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 XXXX  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 XXXX  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 explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX I sent a certified letter to Jefferson Capital Systems in XXXX XXXX XXXX, but it was as returned to me saying that the address wasnt deliverable. XXXX XXXX, I sent another certified letter to an address in XXXX XXXX and it showed it was delivered on XXXX XXXX but I have yet to receive any response from them concerning XXXX  debt collectionsXXXX the Fair Credit Reporting Act (XXXX XXXX XXXX XXXX.) and the Fair Debt Collection Practices Act (XXXX XXXX XXXX) regarding inaccurate, incomplete, or unverified information appearing on my credit report. XXXX, I dispute the accuracy and validity of the accounts Ill mention below and request that this total of these collections be deleted from my credit report immediatelyXXXX XXXX XXXX XXXX  for the amount of XXXX  for the amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint regarding Equifax and the debt collector reporting account ( XXXX ) labeled XXXX. My Equifax credit file shows XXXX separate collection entries with the same identifiers, all appearing to represent the same alleged debt. This is shown in my report under NEGATIVE ITEMS Collections, where the following is listed XXXX times : XXXX. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ) 602 ( A ), 607 ( B ), and 609, which require consumer reporting agencies to ensure maximum possible accuracy and to avoid duplicative, misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX  is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Klarna AB
State: GA

Complaint narrative:
I paid off Klarna its still on my account my name is missed spelled on there its says XXXX instead of XXXX its a mess I paid my debts. I ran into a little financial problem with my daughter having XXXX but Im back on track. I been filed XXXX  that shouldnt still be on my account. Im trying to buy a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account is unauthorized and fraudulent, and I ask for removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am XXXX XXXX XXXX and I am officially contesting the incorrect details found in my credit file. As outlined under 15 U.S.C. 1681b and 15 U.S.C. 1681e, I never granted permission for my personal data to be shared or reported to the companies identified below. This action breaches my consumer right to privacy, as there is no lawful justification for reporting any information under my identity. Additionally, my credit report contains unauthorized inquiries that I did not approve or initiate, indicating potential identity theft. According to 18 U.S.C. 8, I do not have any outstanding obligations to these organizations, and I insist on the prompt elimination of the disputed items and inquiries to rectify my credit file. Kindly resolve this issue immediately and provide written confirmation once the contested entries have been removed from my record.

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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My Citi credit card account was recently closed without proper explanation, and as a result, all of my accumulated reward points were forfeited immediately. I had a significant amount of points earned through consistent spending and loyalty to XXXX products. 

The account disruption happened because I experienced temporary issues with my bank. During this period, I still made sure to continue paying my balance by making payments in person and through money orders. These issues were out of my control, and I acted responsibly to keep the account updated. 

However, once the account was closed, Citi made it extremely difficult for me to make payments. I was unable to log in right away, and I had to go through multiple steps just to access the account and pay what I owed. At Citi branches, they do not allow cash payments, and I was told I must purchase a money order and present the physical credit card even though the card was no longer valid or usable. This created unnecessary obstacles and made it much harder for me to stay current. 

Despite all this effort, Citi closed my account anyway and removed all my earned rewards without giving me any opportunity to resolve the matter or redeem the points I rightfully earned through qualifying purchases. This feels extremely unfair and misleading to customers. 

I believe XXXX actions negatively impacted me financially and created unreasonable barriers that made it difficult to manage and pay the account, even though I acted in good faith.

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 2025-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXXXXXX XXXX  No information or update since I submitted my application. I now have over XXXX months of eligibility, and only need XXXX  months of buy back to officially complete the XXXX program. I would like to please escalate this so that my loans can be forgiven and I will then officially complete my obligation/agreement for the XXXX program. I am still stuck in forbearance, even after changing the XXXX application XXXX  times. They continue to run me around in circles and I have held up my end to all the things I was suppose to do to receive forgiveness in the XXXX. I am on hold for XXXX hours, with the call then being dropped while I am on hold. Constant automated responses to any feedback casses or direct email contact to MOHELA. I greatly appreciate your help and time on this issue and look forward to this being resolved in a timely manner. 

In total, as of XX/XX/2025 I currently have XXXX confirmed completed months for my XXXX program. But I now have XXXX  months that have an ineligible status because of Forbearance due to the XXXX program ( my employment certification are all approved ). I did my first XXXX  application to change from the XXXX to XXXX back on XXXX, XXXX, XXXX. I received nothing from MOHELA, but my XXXX  activity status said it had been processed and sent to MOHELA for final completion. They never did anything, I emailed and called many times and they would only respond with automatic emails with no help whatsoever and leave me on hold for XXXX hours every time I called with no help, just a drop call. I even applied for " XXXX XXXX '' to get XXXX out of the past XXXX  months approved so I can file for forgiveness, as I have current total of XXXX  months of eligible employment as a public high school teacher. However, I have still received no help. I then seen on the news for anyone who has not received help from MOHELA by the end of XXXX of XXXX, to reapply for a new XXXX plan. I did this in XXXX and still have not received any help or guidance from MOHELA. In all fairness, I have done all my due diligence and it has been XXXX  months now and I should be 100 % done with my PSLF, as my loans should have be forgiven and completed as early as XX/XX/2025. I just don't understand why they can be fair and honest. The resolution that I am asking, is for my XXXX  application to be completed, my " XXXX XXXX '' request completed and my loans officially and finally forgiven through the XXXX program as I have did everything on my end that was asked. As a teacher it is hard for me to educate our future youth to trust the system, as it has done nothing but mislead and failed all of us. Please, Please HELP, Hold them Accountable and force their hand to do the right thing!

Company response to consumer: Untimely response
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Filing a complaint against XXXX XXXX has furnished inconsistent info across XXXX  party XXXX XXXX XXXX ( XXXX XXXX ) Date opened for account shows different with primary credit bureaus XXXX, Equifax, XXXX. XXXX XXXX  shows different dates opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Filing a complaint against XXXX XXXX has furnished inconsistent info across third party bureau data systems ( XXXX XXXX ) Date opened for account shows different with primary credit bureaus XXXX, XXXX, Experian. XXXX XXXX  shows different dates opened.

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