vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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 filing this complaint because Experian continues to report a XXXX XXXX tradeline ( acct ending XXXX ; opened XX/XX/XXXX ; closed XX/XX/XXXX ; current balance {$0.00} ) as a charge-off/derogatory. Core data conflicts across bureaus : Experian shows XXXX XX/XX/XXXX, XXXX  shows XX/XX/XXXX, and XXXX  shows XX/XX/XXXX. Experian has not provided the method of verification or the documents reviewed as required by FCRA 611 ( a ) ( 6 ) ( B ) and 611 ( a ) ( 7 ), and the DOFD furnished under 623 ( a ) ( 5 ) appears missing/inconsistent. Reporting a XXXX XXXXclosed account as a current derogatory violates 607 ( b ) s maximum possible accuracy standard and misleads lenders. Additionally, I completed and submitted an FTC Identity Theft Report to Experian and requested a 605B identity-theft block ; Experian did not address or process this in its response. I request a reinvestigation and production of documentary evidence ( full payment history, charge-off ledger entries, and DOFD ). If Experian and the furnisher can not substantiate with records, the tradeline must be deleted and any identity-theftrelated information must be blocked under 605B.

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 2025-08-19 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Re : Formal Dispute of Inaccurate and Unverifiable Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account No. : # XXXX I am writing to formally dispute the accuracy and completeness of the above-referenced account reported by XXXX XXXX XXXX . This account is being reported as a collection with a balance of {$1600.00}, allegedly owed to XXXX XXXX XXXX. After a thorough review of my credit report, I have identified multiple violations of the Fair Credit Reporting Act ( FCRA ) that require immediate correction or deletion of this account.

Basis of Dispute & Legal Violations 1.Incomplete and Inaccurate Reporting The account reflects Terms : 1 Month but provides no loan agreement or repayment schedule, making the reporting incomplete and misleading.

The payment history displays Invalid Date entries and multiple contradictory updates, violating 15 U.S.C. 1681e ( b ), which requires maximum accuracy in consumer reporting.

2. Re-aged Reporting Concerns The Date Opened is listed as XX/XX/year>, which appears inconsistent with the original creditors charge-off timeline. Any attempt to re-age a debt to extend its reporting period beyond the 7-year FCRA limit is unlawful under 15 U.S.C. 1681c ( a ).

Required Action In light of these clear violations, I am demanding the permanent deletion of this XXXX XXXX XXXX account from my Experian credit file.

If Experian can not provide accurate reporting datathis account must be removed immediately under FCRA 1681i ( a ) ( 5 ) ( A ).

Failure to comply will leave me no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office for willful noncompliance with federal law.

Conclusion Please complete your reinvestigation within the 30-day period allowed by law and provide me with written confirmation of the deletion

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 2025-08-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Paypal Holdings, Inc
State: MT

Complaint narrative:
Issue : Debt collection / fraud / unauthorized charge Company : PayPal Holdings , Inc. ( and XXXX XXXX XXXX XXXX, their assigned collector ) ________________________________________ Complaint Narrative On XX/XX/year>, I was the victim of a law enforcement impersonation and extortion scam. Under threats of immediate arrest from a caller impersonating XXXX XXXX law enforcement, I was coerced into initiating a {$5200.00} PayPal transfer. My bank was able to stop part of the transfer, but PayPals system attempted to cover {$3000.00} to the scammer ( recipient : XXXX XXXX, email : XXXX ). 
I immediately reported the fraud to PayPal, my bank, and the XXXX Police Department ( Case # XXXX ). Despite this, I later received a debt collection notice from XXXX XXXX XXXX ( XXXX ) for {$3000.00}, allegedly owed to PayPal.

This debt is illegitimate : The payment was made under criminal coercion ( wire fraud/extortion ).

I provided documentation to PayPal ( bank stop-pay records, call logs, police report, debt collection letters ).

I formally disputed the debt with XXXX under the Fair Debt Collection Practices Act ( FDCPA ).

PayPal has repeatedly responded that the transaction was a friends and family payment, not covered by buyer protection, and refuses to acknowledge the fraud. They are attempting to shift liability onto me, the victim, instead of recognizing that I acted under duress. Their stance enables the fraudster while harming my credit and well-being.

________________________________________ Supporting Documentation Bank stop-payment confirmation ( XX/XX/year> ) Police report XXXX XXXX XXXX XXXX XXXX XXXX XXXX  collection notice PayPal correspondence and denial letters Call log from XXXX with scam numbers identified Notice to Paypal of scam Bank statement indicating funds panic Paypal Case Status Paypal Transaction Details

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-08-19 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: TX

Complaint narrative:
My identity was stolen and an account was fraudulently opened with XXXX XXXX. I have disputed this account multiple times directly with XXXX XXXX and with the credit reporting agencies. I also filed a police report and provided a copy of that police report, along with an identity theft affidavit, to both XXXX XXXX and the credit bureaus. 

Despite providing this documentation, XXXX XXXX has continued to report this fraudulent account, and the credit bureaus have not removed it from my credit file. I have not received any additional guidance or steps from XXXX XXXX regarding how to resolve this matter. 

This ongoing reporting is a violation of the * * Fair Credit Reporting Act ( FCRA ) 605B and 623 * *, which requires furnishers and credit bureaus to block and remove accounts resulting from identity theft once proper documentation has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: OneMain Finance Corporation
State: TX

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Attached are the required documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: IL

Complaint narrative:
Draft Complaint Description ( for CFPB form ) On XX/XX/scrub> 2025, I mailed a debt validation request to Experian under my rights in the Fair Credit Reporting Act ( FCRA ). In that letter, I requested : Documentation validating the reported debt ( including the original signed agreement, billing statements, and proof that the account belonged to me ).

The name, address, and phone number of the original creditor.

A Method of Verification under FCRA 611 ( a ) ( 7 ), explaining how the information was verified. 

On XXXX 2025, Experian marked the accounts as updated, but they did not provide any of the requested documentation or explanation of how they verified the debt.

Because Experian reported the accounts as updated without providing proof, they are in violation of the FCRA, which requires that disputed items must be verified, corrected, or deleted within 30 days. Instead, Experian simply marked the accounts as updated without validation.

I also sent a Method of Verification letter after receiving their first response, and again Experian did not provide documentation or verification. Their repeated failure to provide requested information prevents me from validating the accuracy of the accounts on my credit report.

I am requesting that the CFPB investigate and require Experian to either : Delete the accounts from my credit report if they can not be properly verified.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

1681c2 ) that you, the TransUnion 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 : XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow.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 non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NY

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: FL

Complaint narrative:
This collection agency is violating consumer rights and damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: UT

Complaint narrative:
I am the victim of identity theft and/or a data breach, which has resulted in fraudulent accounts and inaccurate information being reported on my credit file without my knowledge or consent. I did not apply for, authorize, or benefit from the accounts that are being reported. 

The following companies are reporting accounts that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX These accounts are the result of identity theft and should not be associated with me in any way. They are causing significant and unfair damage to my credit standing, preventing me from obtaining housing, reliable transportation, and financial stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: TX

Complaint narrative:
I must emphasize that this complaint is not a mistake, nor should it be taken lightly. My credit report contains clear inaccuracies that are unacceptable and must be corrected immediately. These errors are not only misleading but are also directly and negatively affecting my financial stability, opportunities, and overall well-being. The impact of these inaccuracies is deeply troubling and continues to cause me unnecessary stress during an already difficult time. 

I expect your agency to take this matter with the seriousness it deserves. Please conduct a prompt and thorough reinvestigation of 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 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: TX

Complaint narrative:
I was stunned to receive a call from XXXX at US Bank, who informed me that my companys account would be closed. The reason he gave? My cousin, XXXX XXXX, attempted to send a wire transfer from his business account to mine. 

I explained to him that my company, XXXX XXXX, had recently run a campaign for XXXX XXXX XXXX, a respected nonprofit dedicated to serving those most in need. The funds in question were simply payment for legitimate work we completed. But instead of acknowledging this, XXXX dismissed my explanation outright and insisted that US Bank would close our account. 

This decision is not only unjust it is an act of discrimination against a minority-owned business. We are being penalized, not for wrongdoing, but for doing meaningful work that uplifts others. When a respected nonprofit compensates a small business for services rendered, that should be celebrated as community impact, not punished with account closure. 

What message does this send? When XXXX build honest businesses and partner with organizations helping Americans in need, they can still be treated with suspicion and shut out of the system. It feels as though doing good has become a punishable offense. 

US Banks actions undermine trust, stifle progress, and silence the very businesses working to make a difference. We deserve better. XXXX deserves better. 



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 2025-08-19 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:
Unauthorized access to my credit report by multiple companies has directly and negatively impacted both my credit and my overall financial standing. I previously contacted your agency regarding this matter and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, as the inquiries still remain on my report. This lack of action is unacceptable and demonstrates a failure to uphold your responsibility to protect the accuracy of my credit file. 

The continued presence of these unauthorized and potentially fraudulent entries is extremely concerning and raises a serious risk of identity theft. This unresolved issue is inflicting ongoing emotional distress and financial harm, and I will not allow it to remain unaddressed.

Company response to consumer: Closed with explanation