vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NRA Group, LLC
State: MA

Complaint narrative:
Examination of Credit Report with XXXX, I was alerted to a Collection from XXXX XXXX XXXX XXXXtilities company ) or National Recovery Agency in the amount of {$220.00} ( XXXX XXXX and XXXX XXXX dollars ). Upon examination, there are numerous concerns with this report : XXXX ) The collection report provides no detailed information on the account, in which the debt is owed. 
XXXX ) Report only states that this account was opened on XXXX, XXXX, XXXX. 
XXXX ) This is fraudulent reporting. 

I currently have an active residential account with XXXX XXXX, which has been active since XXXX. XXXX XXXX possess my personal address, email, and mobile number. I have never been contacted about the account which is overdue. 

I would like this information removed from my credit report. I would also like for XXXX XXXX to provided detailed statements on this account.

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 2025-06-09 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: NY

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: PA

Complaint narrative:
My account 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.

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 non-monetary relief
Consumer complaint received 2025-06-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account 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.

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 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 2025-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account 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. 


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 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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: GA

Complaint narrative:
I have applied for jobs, apartments, and credit and the companies are reporting I was found guilty of a charge that I was never charged with. The charge was dismissed, nolle prossed, or the defendant was found not guilty on XX/XX/year>. and I have a copy of the notice from the Solicitors office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
My XXXX account was frozen without reason, and I have a total of XXXX $ that I am not able to access. Ive called multiple times ( customer support ) and they have not been able to do anything about the situation. I am struggling financially and this is a major inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: MD

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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: NY

Complaint narrative:
I was notified through one of my credit cards that there was a change in my credit report. So I was able to pull my free credit report which showed me that I was delinquent on a loan with XXXX. It started reporting negatively in XX/XX/XXXX. This loan was originally owned by XXXX, and in XX/XX/XXXX these loans were consolidated to be put in the student loan forgiveness program. I contacted XXXX in XX/XX/XXXX to have this updated. Because I had never received correspondence that my loan was obtained by them or that it was up for repayment again. When I spoke to the servicing providers customer service agent I was told that they would correct my account by putting me on an administrative forbearance and then putting me in an income driven repayment program so that I could apply for student loan forgiveness again with their company. My account reflects that I owe XXXX dollars at this time but my credit report is still reflecting 120 days past due XXXX XXXX and XX/XX/XXXX. Of note it is nearly impossible to get XXXX on the phone. I had to call multiple times and was on hold for many hours between each phone call and was disconnected abruptly on many occasions. This one instance in which I was able to get through. I was on hold for over two hours prior to speaking to a representative. Once the representative got on the phone he was extremely helpful, but it is nearly impossible to get somebody on the phone.

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 2025-06-09 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: NY

Complaint narrative:
I was notified through one of my credit cards that there was a change in my credit report. So I was able to pull my free credit report which showed me that I was delinquent on a loan with XXXX. It started reporting negatively in XX/XX/XXXX. This loan was originally owned by XXXX, and in XX/XX/XXXX these loans were consolidated to be put in the student loan forgiveness program. I contacted XXXX in XX/XX/XXXX to have this updated. Because I had never received correspondence that my loan was obtained by them or that it was up for repayment again. When I spoke to the servicing providers customer service agent I was told that they would correct my account by putting me on an administrative forbearance and then putting me in an income driven repayment program so that I could apply for student loan forgiveness again with their company. My account reflects that I owe XXXX dollars at this time but my credit report is still reflecting 120 days past due XXXX XXXX and XX/XX/XXXX. Of note it is nearly impossible to get XXXX on the phone. I had to call multiple times and was on hold for many hours between each phone call and was disconnected abruptly on many occasions. This one instance in which I was able to get through. I was on hold for over two hours prior to speaking to a representative. Once the representative got on the phone he was extremely helpful, but it is nearly impossible to get somebody on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: NY

Complaint narrative:
I was notified through one of my credit cards that there was a change in my credit report. So I was able to pull my free credit report which showed me that I was delinquent on a loan with XXXX. It started reporting negatively in XX/XX/XXXX. This loan was originally owned by XXXX, and in XX/XX/XXXX these loans were consolidated to be put in the student loan forgiveness program. I contacted XXXX in XX/XX/XXXX to have this updated. Because I had never received correspondence that my loan was obtained by them or that it was up for repayment again. When I spoke to the servicing providers customer service agent I was told that they would correct my account by putting me on an administrative forbearance and then putting me in an income driven repayment program so that I could apply for student loan forgiveness again with their company. My account reflects that I owe XXXX dollars at this time but my credit report is still reflecting 120 days past due XXXX XXXX and XX/XX/XXXX. Of note it is nearly impossible to get XXXX on the phone. I had to call multiple times and was on hold for many hours between each phone call and was disconnected abruptly on many occasions. This one instance in which I was able to get through. I was on hold for over two hours prior to speaking to a representative. Once the representative got on the phone he was extremely helpful, but it is nearly impossible to get somebody on the phone.

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 2025-06-09 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:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized account information reported in my credit report. These remarks have been detrimental to my life credit and health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: TX

Complaint narrative:
I am filing this complaint regarding inaccurate and harmful information being reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). Specifically, an account on my credit file is being improperly reported as a charge-off while continuing to show as open and late for an extended period. 

Details of the Disputed Account : Creditor Name : XXXX XXXX XXXX  XXXX - Account Number ( last XXXX digits ) : XXXX - Charge-Off Date : XX/XX/XXXX - Credit Bureaus Involved : Equifax and TransUnion Despite XXXX charged off in XX/XX/XXXX, this account has continued to report as open and delinquent every month through XX/XX/XXXX. This is inaccurate and misleading. Once an account is charged off, it must be reported as closed. Continuing to report it as open with ongoing late payments is a violation of accurate reporting 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 2025-06-09 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:
I am filing this complaint regarding inaccurate and harmful information being reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). Specifically, an account on my credit file is being improperly reported as a charge-off while continuing to show as open and late for an extended period. 

Details of the Disputed Account : Creditor Name : XXXX  XXXX XXXX  XXXX - Account Number ( last XXXX digits ) : XXXX - Charge-Off Date : XX/XX/XXXX - Credit Bureaus Involved : Equifax and TransUnion Despite being charged off in XX/XX/XXXX, this account has continued to report as open and delinquent every month through XX/XX/XXXX. This is inaccurate and misleading. Once an account is charged off, it must be reported as closed. Continuing to report it as open with ongoing late payments is a violation of accurate reporting under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: TX

Complaint narrative:
I am filing this complaint regarding inaccurate and harmful information being reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). Specifically, an account on my credit file is being improperly reported as a charge-off while continuing to show as open and late for an extended period. 

Details of the Disputed Account : Creditor Name : XXXX XXXX XXXX XXXX - Account Number ( last XXXX digits ) : XXXX - Charge-Off Date : XX/XX/XXXX - Credit Bureaus Involved : XXXX  and TransUnion Despite being charged off in XX/XX/XXXX, this account has continued to report as open and delinquent every month through XX/XX/XXXX. This is inaccurate and misleading. Once an account is charged off, it must be reported as closed. Continuing to report it as open with ongoing late payments is a violation of accurate reporting 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 non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Company was sent 3 letters requesting said items and has refised each and every time they have not properly validated the debt as requested and refuse to remove negative items from credit report seeing how they failed ot validate teh debt and it is not accuracte and must be removed they have also been called and notified as such and stil refuse. everyone know they buy debts in bulk and do not have the proper paperwork to validate the debt and hope people will drop it so they can report it for 7 years. this is a violation of rights and they need to be placed of banned list to collect debts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: OH

Complaint narrative:
Theres a credit inquiry on my report that I did not authorize. It was done online, without my knowledge or consent, and its fraudulentplain and simple.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I received a call from Bank of America stating there was a sign-in attempt far from my location. I confirmed that it wasnt me. The representative then asked if anyone else had access to my phone or account. I said no, not to my knowledge. She then informed me that my online banking would be disabled fo

r two days while they conducted an investigation and that I would be contacted afterward. However, I never received a follow-up. After five days with no communication, I called Bank of America myself. I was told over the phone that my account had been closed and that the bank had decided to end our relationship, with no detailed explanation beyond a general reference to fraud concerns. 

Ive been a loyal customer since I was XXXX years old and have always considered Bank of America my primary financial institution. I do not know what caused this issue whether it was a phishing link or an unknown security breach but I was not given the opportunity to defend myself or resolve the situation. I am simply asking to reopen my checking account and continue my long-standing relationship with the bank

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