vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: OH

Complaint narrative:
My credit reports from both Equifax and Experian contain an incorrect debt record from XXXX XXXX for the amount of {$1400.00}. This debt has already been paid in full and resolved, as shown in the attached supporting documentation. 

For Experian, I submitted a dispute through their system, but the status has remained " under review '' for an unusually long time without any resolution. The case appears to be stuck, and I have not received any updates or a final decision. 

For Equifax, I have been unable to log into my account to submit a dispute. Every time I try, I receive an error message : " We are temporarily unable to complete this request. '' I called their customer service multiple times, but instead of resolving the issue, I was passed around different departments. Each time, I was told to try logging in again in 24 to 48 hours, but the issue still persists. 

This ongoing situation is unfairly damaging my credit score and causing unnecessary stress. I request that this error be promptly investigated and corrected by both Equifax and Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX Metro 2 Compliance Request for Account XXXX To Whom It May Concern, I am writing to formally dispute the reporting of the account referenced above as it appears on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX XXXX ( XXXX ) Metro 2 guidelines, I am requesting that your company investigate and verify the accuracy and completeness of the information you are furnishing. 

Under Metro 2 standards, data furnishers are required to report consumer credit data accurately, completely, and in a timely manner. I believe the reporting of this account violates those standards due to the following : incorrect balance, inaccurate date, incorrect payment history, incorrect reporting. 
If the information can not be fully verified and validated in compliance with Metro 2 format guidelines and FCRA requirements, I respectfully request that the account be removed from all consumer reporting agencies to which it was reported. 
Under 15 U.S. code 1681 S 2A I furnishers must report accurate information. Under 15 U.S. code 1681 I the credit bureaus must perform a reasonable investigation within 30 days. Under 15 U.S. code 1692g dictates that debt collectors must send a written notice to consumers within five days of initial contact, detailing the debt amount, creditor name, and the consumer 's right to dispute the debt. 

Please provide a written response confirming the results of your investigation and any action taken within 30 days, as required by federal law. 

Sincerely, 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 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
PayPal restricted my account without justification and is now holding my funds {$330.00} for up to 120 days. I attempted to comply with all of their verification steps, including uploading my government-issued ID and proof of address. They required confirmation of my Social Security Number, but their system would not allow me to complete the verification. 

I called in an attempt to get through to someone on their automated system on XX/XX/year>. Ironically, about ten minutes of the system disconnecting me they abruptly deactivated my account, citing " unusual activity '' and a supposed second account opened in my name, which I did not create. I was not allowed to dispute this or speak to a human being. They are now holding my funds for an arbitrary 120-day period, with no opportunity for appeal or transparency. 

This is a violation of consumer protection laws and is an abusive financial practice. I am the verified owner of the account and there is no legal or contractual basis to seize my funds. I have received vague and generic messages from PayPal with no ability to resolve the issue. Their platform failure and internal error are not my responsibility, and I should not be punished for it. 

I am requesting immediate release of my full account balance and closure of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: LA

Complaint narrative:
XXXX XXXX XXXX I am filing a formal complaint regarding inaccurate reporting by XXXX XXXX on my credit reports, which is causing unjust harm to my credit standing. This account was charged off and sold to XXXX XXXX XXXX XXXX, yet all three credit bureaus are still reporting conflicting and outdated information. 

The balance is listed as {$0.00}, confirming no debt is owed, yet the account remains marked as derogatory and charged off on TransUnion, Experian, and Equifax. 

Equifax shows two full years ( XXXX ) of " OK '' payments on an account that was already charged off and closed, which is inaccurate. 

Experian falsely reports a high credit of {$0.00}, and updates the account as recently as XX/XX/XXXX, despite no activity since early XXXX. 

TransUnion reflects late payments and a charge-off, yet the account has not been updated since XX/XX/XXXX, making the information outdated and incomplete. 

Under the Fair Credit Reporting Act ( FCRA ), credit data must be accurate, complete, and up to date. This account is no longer active, collectible, or owed, and the inconsistencies across the bureaus violate my rights. I am requesting that this account be fully deleted from my credit reports, as the continued reporting is both inaccurate and misleading. 

Please investigate this matter and take appropriate action to ensure compliance with the law. Thank you for your time and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: LA

Complaint narrative:
XXXX XXXX XXXX I am filing a formal complaint regarding inaccurate reporting by XXXX XXXX on my credit reports, which is causing unjust harm to my credit standing. This account was charged off and sold to XXXX XXXX XXXX XXXX, yet all three credit bureaus are still reporting conflicting and outdated information. 

The balance is listed as {$0.00}, confirming no debt is owed, yet the account remains marked as derogatory and charged off on TransUnion, Experian, and Equifax. 

Equifax shows two full years ( XXXX ) of " OK '' payments on an account that was already charged off and closed, which is inaccurate. 

Experian falsely reports a high credit of {$0.00}, and updates the account as recently as XX/XX/XXXX, despite no activity since early XXXX. 

TransUnion reflects late payments and a charge-off, yet the account has not been updated since XX/XX/XXXX, making the information outdated and incomplete. 

Under the Fair Credit Reporting Act ( FCRA ), credit data must be accurate, complete, and up to date. This account is no longer active, collectible, or owed, and the inconsistencies across the bureaus violate my rights. I am requesting that this account be fully deleted from my credit reports, as the continued reporting is both inaccurate and misleading. 

Please investigate this matter and take appropriate action to ensure compliance with the law. Thank you for your time and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: AR

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

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

EXPERIAN AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, 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 non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Tesla, Inc.
State: IL

Complaint narrative:
Hello- Earlier this month we were attempting to lease a new vehicle with Tesla in our desired price range and therefore had to pay a {$250.00} reservation fee. Upon attempting to retrieve the vehicle we learned that the dealership sold our car that we had " reserved '' and they are therefore refusing to issue us a refund for the {$250.00}. I understand that this is a non-refundable fee HOWEVER this is not our fault that the vehicle was not available when we went to get it. This is in poor taste and i should be able to get my money back as i was not provided any goods for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: AL

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 non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I received a letter from XXXX? Resurgent demanding payment of {$1800.00}. I responded and requested by XXXX mail in accordance with the Fair Debt Collection practices XXXX XXXX code XXXX ( b ) for them to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND MY INFORMATION WAS STOLEN AND COMPROMISED IN A FEW DATA BREACHES EQUIFAX AND XXXX ETC AND I SAW A VEHICLE AMONGST OTHER ITEMS WERE ILLIGALLY POSTED TO MY CREDIT REPORT I NEVER SIGNED OR APPLIED FOR ALLEGED ITEMS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX  XXXX  XX/XX/year> XXXX  XXXX XXXX  XXXX  XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX  XXXX  XX/XX/year> XXXX  XXXX XXXX  XXXX  XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: VA

Complaint narrative:
Equifax does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers access to credit, employment, and housing. Equifax I am writing to formally dispute the accuracy of certain items appearing on my credit report, specifically relating to accounts associated with lose account, late payment, identity theft, and duplicates of accounts selling accounts on good faith and fair value like a revolving door, referenced under 15 USC 1681 and 15 USC 1681 e of the Fair Credit Reporting Act ( FCRA ). Responsivities of furnishers of information to consumer reporting agencies Upon reviewing my credit reports from all three major credit bureaus, I have identified inaccuracies that I believe violate my rights under the FCRA. I request that you reinvestigate these items promptly and remove them immediately. 
The accounts in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously reported these inaccuracies, yet they have been reinstated in my report as accurate, which I believe is unfounded. Furthermore, I have checked these businesses with the Better Business Bureau ( BBB ), and they do not appear in their records, raising further doubt about their legitimacy. 
As a result of these inaccuracies, I am requesting compensation of {$1.00}, OOO for each account listed above, totaling {$5000.00}. I have attached documentation supporting my claims for your review. Also XXXX in damages, Anxiety, Stress, and Embarrassment : Financial instability caused by credit errors can cause extreme emotional strain. Damage to Reputation : A low credit score can unfairly label me as irresponsible, impacting my ability to secure financial stability. Equifax willfully violates the law. Equifax is negligent, I have disputed XXXX accounts, and they came back accurate. Equifax does not properly investigate disputes and fails to remove or reinsert errors in reports, threatening consumers with access to credit, employment, and housing. On XXXX XXXX, 2025 XXXX sent a request for Validation of Credit report information, you a send a letter back stating that you use XXXX to do your investigations. I contacted XXXX and it was brought to my attention that they don't have any of these accounts on my record. Also, I tried to contact them to see about the data breach and put my information in and it come back that my information was compromised in the data breach and generated a number XXXX, and no one will help from Equifax, and it hurts me that I did not get compensated. I call this number XXXX. Also call this XXXX and they don't help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
The calls are all day everyday even when asked not to call until they provide the information I asked for they stated they wont give any information until I state the debt is mine. Portfolio Collection is very unprofessional.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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