vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report.

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 2025-04-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I seek your assistance in investigating accounts that have been wrongly reported with late payments. I carefully reviewed my credit report and found some accounts showing incorrect late payment entries. These accounts should not have any late payment remarks. Kindly remove the late notations and update the accounts as paid and positive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I have had over {$1100.00} held in my U.S. PayPal account for over 3 years. 

In XX/XX/year>, I spoke with PayPal customer service by phone, and they informed me that my funds would be released on XX/XX/year>. 

However, as of today, PayPal has refused to release the funds and has not provided any valid reason or clear timeline. They simply state that there is no timeframe and no further information available. 

This is extremely frustrating and unacceptable after such a long wait and clear promises made by PayPal 's own support team. 

I am requesting the immediate release of my remaining balance of {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: TX

Complaint narrative:
My account with EXTRA was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in to be removed. b 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. EXTRA 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! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
received a call from a number XXXX ; XXXX threatening being served, and wanting to take legal action. I returned a call to the toll free number and the young lady that answered was very nasty. When I inquired about the issue, she advised that she could not give legal advice but advised per the phone conversation that I should not fight it.She told me that I was going to be served and not run. She spoke to me as if I owed her something. I bid her a good day. This debt was from 2007 and was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: The Bureaus, Inc.
State: GA

Complaint narrative:
XX/XX/year> {$2300.00} The Bureaus This is on my Credit as a Collection, " The following debts ( s ) Must be removed as per federal law since each of them related to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, Senate Bill 5480 ''. 

The Credit Reporting Bureaus that this need to be removed from is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Upon carefully reviewing my credit reports, last week in XX/XX/XXXX, I identified serious inaccuracies involving two XXXX  XXXX XXXX accounts : XXXX  XXXX XXXX account ending in XXXX ( opened XX/XX/XXXX ) reported balance : {$2800.00} XXXX XXXX XXXX account ending in XXXX ( opened XX/XX/XXXX ) reported balance : {$13000.00} Both accounts are reported as charged off and closed ; however, there are numerous material and legal deficiencies in the reporting, including : Inaccurate balances still being reported post-charge-off despite no record of sale or lawful assignment. 

Account statuses improperly updating monthly, even after charge-off, falsely suggesting active collection or new activity. 

Incorrect and inconsistent dates for last payment, charge-off, and account activity. 

No indication of transfer to another entity, violating Metro 2 credit reporting guidelines and FCRA 1681s-2 ( a ). 

I have contacted XXXX  XXXX XXXX repeatedly. I was transferred among various departments and external collection companies, none of which have any record of these accounts. This further proves that the tradelines are inaccurate, unverifiable, and materially misleading. 

Furthermore, both accounts are currently the subject of active litigation, and I have already filed a Motion to XXXX  XXXX pursuant to the original cardholder agreements, which contain binding arbitration clauses. Despite this, XXXX  XXXX XXXX continues to furnish negative, disputed information to consumer reporting agencies, violating FCRA 1681i ( a ) ( failure to reinvestigate disputed information ) and 1681e ( b ) ( failure to maintain maximum possible accuracy ).

The ongoing reporting during an active arbitration proceeding is unlawful and prejudicial. Under the case law Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ), furnishers and credit reporting agencies must conduct independent, meaningful investigations and can not blindly parrot previously furnished information.

Additionally, continuing to report outstanding balances and updating statuses monthly, without identifying any lawful transferee or validating the accuracy of the debt, also constitutes false representation of the character, amount, or legal status of the debt, in violation of the Fair Debt Collection Practices Act ( FDCPA ) 1692e ( 2 ) ( A ).

These errors are materially harming my credit profile, artificially lowering my scores, and obstructing my ability to secure mortgage financing and other necessary credit opportunities.

I am requesting immediate deletion of both accounts due to FCRA violations, FDCPA violations, pending arbitration proceedings, and the failure to comply with Metro 2 industry reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: CA

Complaint narrative:
I am disputing duplicate and inaccurate student loan entries reported by XXXX XXXX XXXX on my credit report. Upon review, I noticed multiple accounts under the same loan servicer with different open dates, balances, and statuses, although they represent the same consolidated or forgiven loans. 

Examples include entries opened on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all showing different balances ( {$3600.00}, {$3500.00}, {$32000.00} ) but attached to the same original student loan account. 

These duplicates are inflating my total reported debt and misrepresenting my financial standing, which could hurt my creditworthiness and financial opportunities. Some of these loans were already paid, forgiven, or consolidated. 

I am requesting that the duplicate, conflicting, and inaccurate student loan entries be removed or corrected immediately. I also request confirmation that my correct information is updated across all credit reporting agencies ( XXXX, Equifax, XXXX XXXX within 30 days. 

* * * I have attached supporting documents for reference. 


* I have multiple Aidvantage loans showing under different open dates, balances, and statuses but many are likely the same loan. 
* It looks like you owe way more than you actually do. 
* Duplicates inflate your debt and hurt your debt-to-income ratio ( bad for getting new credit, homes, cars ). 




Examples of Duplicated or Conflicting Entries : Loan reported opened XX/XX/XXXX with {$3600.00} balance ( deferred until XXXX ) Loan reported opened XX/XX/XXXX with {$3500.00} balance ( also deferred until XXXX ) Loan reported opened XX/XX/XXXX with {$32000.00} balance ( also deferred ) Other XXXX  loans with overlapping dates and statuses These accounts appear to refer to the same or consolidated obligations and should not be listed as separate, active debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: GA

Complaint narrative:
Late According to the law, I ask you to remove the late payment that was placed on my account since that is an error Request for Debt Validation Under 15 USC Greetings, By means of this letter, I am requesting validation of the debt that appears on my credit report in your name. Under the Federal Credit Union ( FDCPA ) ( 15 USC 1681c ( a ), you are required to provide me with proof that this debt is valid and that you have the right to collect it. If you can not validate this debt within 30 days, I request that it be removed from my credit report immediately. I look forward to your written response with all necessary documentation. Sincerely, Please remove legally incorrect information from my credit report. Thank you.

Validation Under 15 USC Greetings, Under the Federal Credit Union ( FDCPA ) ( 15 USC 1681c ( a ). 

NAME XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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:
Late According to the law, I ask you to remove the late payment that was placed on my account since that is an error Request for Debt Validation Under 15 USC Greetings, By means of this letter, I am requesting validation of the debt that appears on my credit report in your name. Under the Federal Credit Union ( FDCPA ) ( 15 USC 1681c ( a ), you are required to provide me with proof that this debt is valid and that you have the right to collect it. If you can not validate this debt within 30 days, I request that it be removed from my credit report immediately. I look forward to your written response with all necessary documentation. Sincerely, Please remove legally incorrect information from my credit report. Thank you.

Validation Under 15 USC Greetings, Under the Federal Credit Union ( FDCPA ) ( 15 USC 1681c ( a ). 

NAME XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On or about XX/XX/XXXX, while reviewing my Experian credit report, I discovered an unfamiliar account allegedly reported by XXXX XXXX ( Account # XXXX  ) with an alleged balance of {$210.00}, showing as a charge-off opened on XX/XX/XXXX. 

I immediately contacted XXXX XXXX directly by phone & chat system and provided all necessary personal information to validate the account, including my full legal name, date of birth, Social Security number, and address. After a thorough search, XXXX representatives confirmed they could not locate any account, loan, or balance of {$210.00} associated with my identity. They explicitly advised me to dispute this inaccurate account with Experian. 

This account is not mine. XXXX inability to locate any record associated with me proves that this tradeline is inaccurate and unverifiable, violating the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to properly reinvestigate disputed information This error is causing significant harm, including stress and a material delay in my mortgage approval process. Given that XXXX could not verify the account even after a detailed identity validation, Experian is required under FCRA 1681i ( a ) ( 5 ) to delete unverifiable or inaccurate information within 30 daysor sooner if evidence demonstrates no legitimate account exists. 

Additionally, courts have ruled that continued reporting of inaccurate or unverifiable information after notice constitutes willful noncompliance, actionable under FCRA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX ) ). 

I respectfully demand immediate deletion of this erroneous XXXX XXXX account from my Experian credit report within 15 days to prevent further harm to my creditworthiness and to comply with federal law. 

I request full documentation and confirmation of removal, or otherwise I will pursue additional remedies, including escalation to the Federal Trade Commission ( FTC ) and potential civil litigation for willful noncompliance and damages.

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 2025-04-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
" I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS. Please have these remarks on credit report be removed and update the account as positive as agreed. ''

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 2025-04-26 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: GA

Complaint narrative:
" I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS. Please have these remarks on credit report be removed and update the account as positive as agreed. ''

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 2025-04-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 * * * * * * * XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX 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 explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Calls and or hangups on the following : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am Just this week, I had spoken to a representative of the company and explained I had just gotten home from a XXXX XXXX  stay and would fix the matter but the calls continued. It is very stressful to keep receiving the calls and hang ups

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advance Bureau of Collections
State: GA

Complaint narrative:
I am writing in response to your attempt to collect an alleged debt from me. I am formally requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g.

Please provide the following information : 1.

The name and address of the original creditor.

2.

The original account number associated with the debt.

3.

The amount of the original debt and an itemized breakdown of any additional fees, interest, or charges added.

4.

Proof that you have the legal right to collect this debt, including a copy of the assignment or purchase agreement transferring the debt to your agency.

5.

Copies of any signed agreements or contracts establishing my liability for this debt.

6.

Proof that the debt is within the applicable statute of limitations.

7.

Copies of any judgments obtained against me ( if applicable ).

8.

The full name and address of any previous collectors who have attempted to collect this debt.

Until I receive the requested information, I am disputing this debt in its entirety. Under the FDCPA, you are required to cease collection efforts until this debt is validated. If you fail to provide proper validation, I will consider this matter resolved and expect no further communication regarding this debt.

Additionally, any reporting of this unvalidated debt to credit bureaus may be a violation of the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office if necessary.

Please respond to this request in writing at the address provided above.

Company response to consumer: Closed with explanation