vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Subject : Experian Refusal to Conduct Mandatory Reinvestigation Under FCRA 611 I submitted multiple written disputes to Experian on XX/XX/year>, sent by mail, signed by me, and addressed to Experians designated dispute address. These disputes requested reinvestigation of materially inaccurate personal identifying information and multiple tradelines, and included formal Method of Verification demands pursuant to FCRA 611 ( a ) ( 7 ). 

On XX/XX/year>, Experian responded via automated email stating that it had received a request that did not appear to have been sent by me or authorized by me, and therefore took no action on my disputes. Experian offered only that I could submit disputes online or by phone.

Experians refusal is unlawful. The Fair Credit Reporting Act does not permit a consumer reporting agency to disregard or refuse a written dispute based on the method of submission. FCRA 611 ( a ) ( 1 ) requires reinvestigation upon notice of dispute by the consumer. My disputes were sent directly by me, signed, and properly addressed. Experian has provided no factual basis for claiming otherwise.

By refusing to reinvestigate, Experian has willfully failed to comply with its statutory obligations, including but not limited to FCRA 607 ( b ), 611 ( a ), and 611 ( a ) ( 7 ). Experian also failed to provide any Method of Verification disclosures or reinvestigation results within the statutory timeframe. 

I am requesting that the CFPB require Experian to : Acknowledge receipt of my XX/XX/year> disputes, Conduct a full reinvestigation as required by law, Provide complete Method of Verification disclosures, and Correct or delete any information that can not be verified using original, contemporaneous documentation. 

This complaint preserves all rights and remedies available under FCRA 616 and 617.

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 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
URGENT FINANCIAL HARDSHIP -- MONEY FOR LIVING/RENT TAKEN Today XX/XX/year> I placed an order with a website that showed up on the top of XXXX search results for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The order page checkout option placed me onto Paypal to complete the transaction. I reviewed the transaction and noticed nothing suspicious. It appeared to have the valid transaction amount and retailer. The website was named XXXX 

Since I placed the order, I have tried to establish the existence of this website and am unable to. I have screenshots of the order from before it was taken down. I am assuming once the transaction was completed, the scammer had no need for their fraudulent website anymore. It is likely that they used a false web XXXX to spoof PayPal 's & the transaction details. 

The merchant is listed as " XXXX XXXX '' on the PayPal transaction. 

After placing the order, the transaction amount on my Paypal was for XXXX XXXX which was approximately {$3100.00} at the time of purchase. 

I immediately contacted my debit card company that was linked to my account that Paypal used to complete the order, XXXX XXXX XXXX. I then immediately contacted PayPal as I was told that there was nothing that could be done until the seller accepted the payment. 

PayPal also has offered me no resolution path so far and it is impossible for me to recover the funds through traditional means in a way that is timely by the time my credit card payments and rent are due. 

Since I contacted PayPal, they " seller '' has completed the transaction and sent several tracking numbers through USPS that appear as " delivered ''. These delivery times and locations are impossible, considering I placed the order on XX/XX/year> and had the " item '' shipped to an address in XXXX XXXX Several of the tracking numbers appear to have been delivered in the past, locations in CXXXX XXXX XXXX 

I am seeking immediate resolution from both XXXX and PayPal. I will need the funds recovered immediately, since I contacted both institutions to remedy the situation before the funds cleared and they failed to protect me as a consumer from obvious fraud occurring. 

I will also be filing a fraud report with the Postal Inspection Service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-23 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: AZ

Complaint narrative:
I am not linked, legally or otherwise, to these accounts ; remove them within 15 days per USC 1681g.

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 2025-12-23 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to XXXX  XXXX XXXX XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, XXXX XXXXXXXX XXXX XXXX continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-23 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: NJ

Complaint narrative:
I am filing this complaint as a consumer disputing inaccurate, incomplete, and unverified information on my TransUnion credit report. I am requesting TransUnion comply with its obligations under the Fair Credit Reporting Act. 

Charged-Off Accounts in Dispute ( TransUnion ) The following accounts are reported as charged off and are disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$260.00} These accounts are inaccurate and/or incomplete. I am requesting TransUnion verify the accuracy of each account, including proof of ownership, complete payment history, and documentation showing the right to report this information. If TransUnion can not verify the accounts, they must be deleted. 

Unauthorized / Inaccurate Credit Inquiries ( TransUnion ) I am also disputing the following inquiries listed on my TransUnion credit report, as I do not recall authorizing them : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am requesting TransUnion provide proof of permissible purpose for these inquiries or remove them from my credit 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 non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 XXXXXXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-23 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 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 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 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 2025-12-23 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 dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. The specific information I am disputing is as follows : Account Name : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$5000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: NY

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} Inquiries : No inquiries listed for Equifax. 

Late Payments : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my ExperianXXXX XXXX XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting this complaint to Experian, Equifax, and TransUnion regarding the XXXX XXXX  account with a balance of {$1400.00}. This account is not mine, was never authorized, and belongs to another individual with the same or similar name. I never received any notice, never signed any agreement, and have no relationship with this debt. 

There are critical discrepancies among the bureaus : Equifax shows an OK payment history while the account is listed as charge-off, whereas Experian and TransUnion report continuous charge-off. Additionally, the account has been re-aged monthly, showing manipulation of data and failure in verification and accuracy procedures. The lack of consistent account numbers prevents cross-bureau verification, increasing the risk of identity errors and mixed files.

Under FCRA 607 ( b ), 611 ( a ) ( 1 ), 611 ( a ) ( 5 ) ( B ), and 623 ( a ), consumer reporting agencies must maintain procedures to ensure maximum possible accuracy, investigate disputes meaningfully, and must not reinstate inaccurate information. The continued reporting of this account constitutes willful and negligent non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: GA

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from Equifax. I previously submitted a written dispute on XX/XX/year> ( attached ), which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over XXXX weeks, and I have received no response or resolution from the bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: GA

Complaint narrative:
On XX/XX/year>, I submitted a complete and properly documented written dispute to Equifax requesting a reinvestigation of multiple inaccurate items on my credit report. My dispute complied fully with the Fair Credit Reporting Act and included all required identity verification materials, including a government-issued photo ID, my Social Security card , and a utility bill confirming my current address. The dispute clearly identified and challenged the reporting of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, As well as a public record listed under reference number XXXX ( Court : XXXX XXXX XXXX XXXX. In addition, I disputed inaccurate and incomplete personal identifying information being reported on my credit file. 
Equifax has completely disregarded this dispute. I have received no confirmation, no investigation results, and no evidence that Equifax made any attempt to verify the accuracy of the information being reported. This is not an isolated delay or administrative error, but a willful failure to perform a mandatory reinvestigation under the Fair Credit Reporting Act. Equifaxs inaction has resulted in the continued reporting of inaccurate and unverified information, causing ongoing harm and undermining the reliability of the credit reporting system.

Equifaxs refusal to respond reflects a pattern of reckless disregard for consumer rights and exposes the company to liability for its continued violations of federal law. A copy of my original dispute letter is attached for review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
Damage caused during repossession, unfair treatment, failure to investigate, loss of use In XX/XX/2025, GM Financial repossessed my vehicle through its contractor, XXXXXXXX XXXX, while the vehicle was in proper working condition and recently serviced with no damage noted. When I retrieved the vehicle in XX/XX/2025, it had significant new interior and mechanical damage, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX rendering it unsafe and difficult to operate. Independent inspections by XXXX and XXXX XXXX confirmed damage consistent with forced manipulation, and XXXX XXXX reviewed pre-repossession service records showing the vehicle was undamaged beforehand. Despite receiving photos, third-party inspections, and service documentation, GM Financial denied responsibility in XX/XX/2025, relying on an internal review and alleged photographs that were never disclosed. As a result, I have been forced to drive a damaged vehicle for months, incur inspection and rental costs, experience loss of use, and endure ongoing stress and hardship.

Company response to consumer: Closed with explanation