vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 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 formally disputing the accuracy and validity of the following inquiries listed on my credit report. I assert that these inquiries are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I have send them a cease and desist letters because the debt has not been properly validated, and must immediately cease and desist all collection efforts, including calls, letters, or contact with third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
I submitted multiple disputes to TransUnion regarding accounts on my credit report that do not belong to me. These accounts are the result of identity theft. To support my disputes, I attached a valid Identity Theft Report as required under the FCRA. Despite providing sufficient evidence, TransUnion has failed to properly investigate and continues to report these fraudulent accounts, which is causing ongoing harm to my credit profile and financial standing.

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 2025-09-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I bought a XXXX  XXXX XXXX from this year requested cancellation but either the credit card or the clinic is canceling they are not responding my emails and they agreed to cancel and pay but keeping taking more than 5 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX  recently experienced a data breach in XX/XX/scrub> 2025, confirmed on XX/XX/year>2025, that exposed the personal data of over XXXX XXXX U.S. consumers, including names, Social Security numbers, birthdates, and contact information, via a compromised third-party application. I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). I recently reviewed my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: TX

Complaint narrative:
I opened a credit card end of last year. The bonus offer for spending XXXX  XXXX was after XXXX days of opening the credit card. I called end of XXXX I believe to ask if I would make the cut off of the XXXX days if I made my next purchase, which would total to XXXX  XXXX. She had mentioned that if it is posted before the billing cycle ends, which was in a couple days, I possibly could make it. I called back again within that month to confirm if I had made it. The representative CONFIRMED I had spent the XXXX XXXX and that I was eligible for the bonus offer of {$750.00}. I then again called the following month as I had not seen it enter my bank account. The woman stated it would take XXXX more billing cycle and if not to call again. I had again wanted to confirm if I was eligible just to be sure. She CONFIRMED I was eligible and did the math and complied to the XXXX days and spent XXXX XXXXXXXX. I waited again another month to call again. They were not sure why it was not on my account, and escalated the ticket to upper management. I waited and did not hear back. I then got mail saying that I did not qualify. I was confused as this was not what I was told. I called again and upper management was notified and to call me back. I spoke with a manager eventually and was told I did not spend the XXXX XXXXXXXX in XXXX  days. I went over with her that these were on recorded calls and I was told information XXXX  by representatives I would be receiving my {$750.00} bonus offer. I claimed I would not have waited all this time in to put in a complaint months down the road if I had known from the start but was instructed I would make the cut off. She then tried to tell me I did not spend the XXXX XXXXXXXX and so that is why and I stated that was not the case as I can see the transactions on my end, and as well with the other representatives. She also then tried to state I did not make it in XXXX days, but a week after that. I had said I had spoken with a representative about it being effective of when it posted within that billing cycle. After trying to figure this out, she tried to give me {$100.00} for my time. I declined as this was not acceptable. I would not have wasted all my time in following up and making sure I met the requirements to not be offered what was on the intro offer. I would have requested to check into this matter the XXXX day I called and this would not have been an issue. This has been an awful experience with this bank. They do not hold themselves accountable or responsible for lying and leading me onwards for this intro offer.

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 2025-09-06 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:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me XXXX  because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-09-06 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: VA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me XXXX  because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-09-05 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: KY

Complaint narrative:
I have disputed multiple inaccurate or unverifiable accounts being reported on my credit reports by all three major credit bureaus ( Experian, Equifax, and TransUnion ). I began formally disputing these accounts several rounds ago my most recent dispute letters ( XXXX XXXX ) were sent on XX/XX/year>. 

In every round, I requested the bureaus verify the disputed accounts in accordance with 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act. I specifically asked them to : Conduct a reasonable reinvestigation, Provide the method of verification, Provide the name, address, and contact information of the furnisher, And validate whether the reporting is Metro 2 compliant.

Despite multiple rounds of written disputes, the credit bureaus have continued reporting the same inaccurate or unverifiable information without any actual proof or documentation. They have not provided the method of verification, failed to properly reinvestigate the accounts, and have not corrected the errors, which violates their legal responsibilities under the Fair Credit Reporting Act.

I have given them ample time to respond with proper documentation, yet they only send generic responses or stall letters. The lack of a legitimate response over several months clearly shows non-compliance.

At this point, I am escalating my complaint because these agencies have failed to perform their legal duty under federal law. I request that the Consumer Financial Protection Bureau hold these credit reporting agencies accountable and instruct them to either delete the unverifiable information or provide full, factual, and Metro 2-compliant verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I dispute the late payment reported on my credit file as it violates my rights under the Fair Credit Reporting Act, Section 605 ( a ) ( 15 U.S.C. Ss 1681c ). Kindly Review and correct this issue.

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 2025-09-05 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: MO

Complaint narrative:
I am filing this complaint because my federal student loans, serviced by Department of EducationXXXX , are being inaccurately reported to the credit bureaus. 
Specifically, multiple accounts are marked as Payment Deferred or Deferred, payments begin XX/XX/XXXX, yet the same tradelines incorrectly show XXXX day late payments between XXXX and XXXX Examples from my reports dated XX/XX/XXXX : Experian ( XXXX-sourced report ) : XXXX/Dept. of Ed accounts show Payment deferred but also reflect XXXX day lates in XXXX Experian ( XXXX-sourced report ) : Dept. of Ed accounts again list Payment deferred but report XXXX day lates Experian. 
Experian ( Experian-sourced report ) : Dept. of Ed accounts are marked Deferred, payments begin XX/XX/XXXX, but show late notations ( XXXX days past due ) in XXXX This is impossible a student loan in deferment can not be reported as past due or late, because no payment obligation exists during deferment. 
This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) and consumer protection rules : 15 U.S.C. XXXX ( b ) : Credit reporting agencies must ensure maximum possible accuracy. 
15 U.S.C. XXXXi : Credit bureaus must reinvestigate and correct disputed inaccurate information. 
15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) : Furnishers ( Dept. of EducationXXXX ) may not furnish information they know or should know 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 2025-09-05 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: MO

Complaint narrative:
I am filing this complaint because my federal student loans, serviced by Department of EducationXXXX , are being inaccurately reported to the credit bureaus. 
Specifically, multiple accounts are marked as Payment Deferred or Deferred, payments begin XX/XX/XXXX, yet the same tradelines incorrectly show XXXX day late payments between XXXX and XXXX Examples from my reports dated XX/XX/XXXX XXXX XXXX ( TransUnion-sourced report ) : XXXXDept. of Ed accounts show Payment deferred but also reflect XXXX day lates in XXXX XXXX  ( XXXXsourced report ) : XXXX. of XXXX accounts again list Payment deferred but report XXXX day lates XXXX. 
XXXX XXXX XXXXsourced report ) : Dept. of Ed accounts are marked Deferred, payments begin XX/XX/XXXX, but show late notations ( XXXX days past due ) in XXXX This is impossible a student loan in deferment can not be reported as past due or late, because no payment obligation exists during deferment. 
This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) and consumer protection rules : 15 U.S.C. XXXX ( b ) : Credit reporting agencies must ensure maximum possible accuracy. 
15 U.S.C. XXXXi : Credit bureaus must reinvestigate and correct disputed inaccurate information. 
15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) : Furnishers ( Dept. of EducationXXXX ) may not furnish information they know or should know 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 2025-09-05 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: MO

Complaint narrative:
I am filing this complaint because my federal student loans, serviced by Department of EducationXXXX XXXX are being inaccurately reported to the credit bureaus. 
Specifically, multiple accounts are marked as Payment Deferred or Deferred, payments begin XX/XX/XXXX, yet the same tradelines incorrectly show XXXX day late payments between XXXX and XXXX Examples from my reports dated XX/XX/XXXX : XXXX XXXX XXXX-sourced report ) : XXXX/Dept. of Ed accounts show Payment deferred but also reflect XXXX day lates in XXXXXXXX XXXX ( Equifax-sourced report ) : Dept. of Ed accounts again list Payment deferred but report XXXX day lates XXXX 
XXXX XXXX XXXXsourced report ) : Dept. of Ed accounts are marked Deferred, payments begin XX/XX/XXXX, but show late notations ( XXXX days past due ) in XXXX This is impossible a student loan in deferment can not be reported as past due or late, because no payment obligation exists during deferment. 
This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) and consumer protection rules : 15 U.S.C. XXXX ( b ) : Credit reporting agencies must ensure maximum possible accuracy. 
15 U.S.C. XXXXi : Credit bureaus must reinvestigate and correct disputed inaccurate information. 
15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) : Furnishers ( Dept. of EducationXXXX ) may not furnish information they know or should know is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-05 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am extremely frustrated to see that the same unauthorized inquiry is still on my credit report this morning. I refreshed my browser hoping it was just a glitch, but it was not removed. This issue needs to be fixed immediately, and I expect the documents Ive provided to be carefully reviewed so I dont have to keep stressing over this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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 XX/XX/scrub> 2025, I discovered via email that my XXXX account had been hacked around XXXX XXXX that morning. The perpetrator ordered " 100 % Real hair! '' from XXXX XXXX " XXXX '' for XXXX ( US {$1400.00} ). They attempted to use my XXXX credit card through PayPal, but XXXX declined the charge. They then switched the payment method to my XXXX checking account via PayPal, and the transaction went through, with the money transferred to PayPal ID " XXXX XXXX. ", Transaction ID : XXXX. 

Upon discovering this, I immediately contacted PayPal, and their representative advised me to submit the incident as " order not received, '' claiming it was the fastest way to resolve the issue. I maintained that I wanted to submit the report as a fraud, as I had not made the order and the charge was unauthorized. The representative then transferred me to another representative, who further urged me to submit the claim as order not received instead of fraud. This second representative assured me that if I did this, everything would work out and I would not have to worry about the charge. Given these assurances, I complied with the representatives advice and submitted the complaint as order not received Case ID XXXX. I trusted PayPal 's claim that the transaction wouldn't be processed, and therefore did not contact my bank on XX/XX/XXXX. 

However, on XX/XX/year>2025, I woke to find that the transaction had indeed been processed, emptying all funds from my XXXX bank account. I then called XXXX to report the fraud, and they informed me they would investigate. This cyber fraud has resulted in a loss of US {$1400.00} from my checking account, and I am still awaiting resolution. I would like to report that XXXX separate PayPal representatives strongly urged me to file the incident as an " item not received '' complaint instead of a " fraudulent activity '' complaint, despite my informing them that I had experienced fraud. I believe PayPal is actively hindering investigations of criminal activities by systematically mischaracterizing the complaints they receive.

Company response to consumer: Closed with monetary relief