vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Account name ( XXXX ) account number # XXXX * * * * Account name ( XXXX ) account number # : XXXX * * * * 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall 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 2025-10-31 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: SC

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Let me start with portfolio Recovery Associates llc has a cease and desist notification as of XX/XX/year> and has acknowledged such with the original CFPB complaints. I have found that portfolio Recovery Associates llc is still accessing my credit report files which is in direct violation of the cease and desist put in place. I have included all documentation from original complaints and from my credit file to show that they are not following federal law. I will be forced to take legal action due to there disregard to the cease and desist letter they received from the CFPB complaints. Furthermore I still have not received all the documents I requested legally for the alleged debt purchase. Again cease and desist all collections and reporting activities also credit reviews should not be done for any reason since I am officially selling you again to cease and desist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
A collection account from your company has appeared on my credit report without any prior notification or communication from your office. This is the first I'm learning about this alleged debt, and I have significant concerns regarding its validity and accuracy. Under federal law, specifically the Fair Debt Collection Practices Act, I'm entitled to receive complete verification of any debt you're attempting to collect. I'm exercising my legal right to demand full documentation proving the legitimacy of this collection item and its associated details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-10-31 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because the credit bureaus have failed to correct and delete accounts that I have repeatedly disputed, even after I provided notice that my personal information was compromised in multiple data breaches. 

I have already sent certified letters and prior CFPB complaints notifying the bureaus that the following accounts were furnished and reported without my authorization and possibly tied to breached or stolen data : XXXX XXXX XXXX XXXX loan reported as charged off ( Account ending in XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX  Credit card reported as charged off ( Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  Credit card reported as charged off ( Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX Collection account ( no original account number listed ) Despite providing notice, documentation, and proof of prior data breaches, these accounts continue to be reported. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681b No permissible purpose to furnish or use consumer data ; 1681s-2 ( a ) Duty to report only accurate and verifiable information ; 1681i ( a ) Failure to conduct a proper reinvestigation ; 1681c-2 Failure to block identity theft or data-breach-related information after notification ; and 1681n and 1681o Civil liability for willful and negligent noncompliance.

The continued furnishing and reporting of data that may have been obtained through data breaches and identity theft is reckless and unlawful. I have fulfilled my obligation to notify the bureaus, and they have chosen not to comply. 

This has caused ongoing harm, emotional distress, and financial damage due to denials of housing, credit, and employment opportunities. At this point, I am formally documenting willful noncompliance for record with the Consumer Financial Protection Bureau. 

If these accounts are not immediately removed or verified with actual signed consumer authorization, my next step is pursuing legal action in state and/or federal court under the FCRA for damages.

I am requesting that the CFPB escalate this matter and ensure that these bureaus take corrective action, provide written proof of permissible purpose for each account, and delete all unverifiable or unauthorized data from my consumer reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: MD

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
I am XXXX XXXX XXXX, a PhD holder and doctor living in the USA at, XXXX, IA. I have a little boy studying here with me. 
On XX/XX/year>, my husband sent me {$500.00} from his XXXX PayPal account to my US PayPal account ( XXXX ) to help pay our rent and support our family. Transaction Ref : XXXX. 
PayPals actions : Forced commercial classification ( no personal option in XXXX ) {$22.00} fee ( later reversed ) Permanently deactivated my account for unverifiable information {$500.00} now blocked and inaccessible ( screenshot attached ) I called PayPal multiple times no solution Rent is late eviction risk, reputational damage, and stress on my son PayPal agent XXXX said only I can request reactivation I did today via email from this account. Still no action.

30+ days of hardship while supporting my child and career in the USA .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: CO

Complaint narrative:
I was told by the company that they would remove this off of my credit. XXXX XXXX got the car and I got the house since we got divorced. But she is refusing to make payments on the car to get it paid off. So im not the responsible party in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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 2025-10-31 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no XXXX party involved. Please review the uploaded letters.

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 2025-10-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sezzle Inc.
State: CO

Complaint narrative:
I purchased a {$50.00} gift card from Sezzle a buy now pay later service. My second payment didnt clear so I immediately went to see what methods of payment I had in this account. My default method did not have the funds to cover an {$11.00} payment but my other method of payment did so I checked it as my default method of payment. This payment was not taken out and I was charged an {$18.00} service fee. I was unable to contact customer service after days of trying. The chat method wasnt available and I was stuck in a loop with the bot. I was unable to connect the by phone. I paid my payment and the service fee with the intention of payoff the total amount due. I wasnt able to pay them off. 
My original payment method was no longer being used. Prior to the next payment I was sure to have a default method available but it was never used. During this time I constantly tried to talk to someone in customer service. No one ever contacted me until I wrote a poor review in XXXX XXXX. Upon reviewing my issue I was told that after trying all payment methods they were unable to access payment. This wasnt true. I had money in the other payment method. On the XXXX payment the same thing happened and again I told this to customer service after. A day later the amount was taken out including a {$2.00} late savers fee. Up until this moment I didnt know that they required the debtor to pay only with the original payment method. I couldnt believe it. Never has this happened before with any lender. 
So my balance of {$11.00} will also include this {$2.00} lender fee. The original method of payment is no longer available. Im trying to do the right thing and this lender knows this and I believe they took advantage of my willingness to pay my bills by charging me outrageous fees knowing I would pay them. I have paid them more than I owed them and refuse to pay them any more. 
Thank you, Please notify my if you need anything else. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because the credit bureaus have failed to correct and delete accounts that I have repeatedly disputed, even after I provided notice that my personal information was compromised in multiple data breaches. I have already sent certified letters and prior CFPB complaints notifying the bureaus that the following accounts were furnished and reported without my authorization and possibly tied to breached or stolen data : XXXX XXXX XXXX XXXX loan reported as charged off ( Account ending in XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX reported as charged off ( Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX  reported as charged off ( Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection account ( no original account number listed ) Despite providing notice, documentation, and proof of prior data breaches, these accounts continue to be reported. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681b No permissible purpose to furnish or use consumer data ; 1681s-2 ( a ) Duty to report only accurate and verifiable information ; 1681i ( a ) Failure to conduct a proper reinvestigation ; 1681c-2 Failure to block identity theft or data-breach-related information after notification ; and 1681n and 1681o Civil liability for willful and negligent noncompliance. 

The continued furnishing and reporting of data that may have been obtained through data breaches and identity theft is reckless and unlawful. I have fulfilled my obligation to notify the bureaus, and they have chosen not to comply. 

This has caused ongoing harm, emotional distress, and financial damage due to denials of housing, credit, and employment opportunities. At this point, I am formally documenting willful noncompliance for record with the Consumer Financial Protection Bureau. 

If these accounts are not immediately removed or verified with actual signed consumer authorization, my next step is pursuing legal action in state and/or federal court under the FCRA for damages. I am requesting that the CFPB escalate this matter and ensure that these bureaus take corrective action, provide written proof of permissible purpose for each account, and delete all unverifiable or unauthorized data from my consumer reports immediately.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the accuracy of certain information on my Equifax credit report. I have recently reviewed my report and discovered the following accounts, which I believe are fraudulent and were opened without my authorization : 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 2025-10-31 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I tried to open a navy federal account after getting fraudulent accounts removed from my consumer reports and still got denied

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation