vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/year> I attempted to dispute a charge with Paypal for a merchant ( XXXX XXXX ) delivering XXXX blatantly defective products. The purchase was from XX/XX/year> and was well within the period to file a claim. ( PayPal XXXX states you can file disputes up to 180 days after the purchase date. ) However, Paypal incorrectly rejected the claim, stating that you can't dispute a purchase 30 days after delivery. 

As part of this claim submission process, I explained why this was filed after 30 days, given that I was working directly with the merchant to resolve the issue and that XXXX XXXX offered a XXXX sleep trial. Regardless, this is against the terms of the PayPal credit card, which clearly states claims can be filed for purchases up to 180 days. 

Dispute purchase details for additional context : I am requesting a resolution for the XXXX XXXX XXXX XXXX mattress due to clear defects and deceptive business practices. The mattress arrived with a loud, continuous squeaking/creaking noise consistent with a broken spring ( XXXX ), and its dimensions are more than XXXX inches smaller than advertised onXX/XX/XXXX It also caused back and leg pain for both myself and my partner, despite claims of comfort and support. On top of that, the top layer of the mattress has major sagging/unlevelness/raised bumps around the edges instead of what should be a flat surface. XXXX is attempting to charge a {$250.00} pickup fee for this defective product, which was never properly disclosed and is entirely unreasonable. This is a textbook case of selling a defective item and attempting to charge the customer for returning it. I am seeking a full return and refund for the defective merchandise. 

I am also requesting resolution for the adjustable bed base purchased with the mattress, which is also defective. From its first use, the massage function produced an extremely loud and abnormal vibrating noise, far beyond what would be expected or tolerable in normal operation. This defect makes the feature unusable and disrupts sleep rather than enhancing it, as advertised. I contacted XXXX to report the issue and expected a resolution, but they have only redirected to the vendor. ( XXXX  ) Although the manufacturer ( XXXX  ) sent a replacement motor, installation requires complex disassembly and additional out-of-pocket costs, which is unreasonable for a brand-new product. XXXX has refused to offer a refund, return, or exchange, citing a final sale policyeven in the case of a clear defect. I am disputing this charge due to receiving a faulty product and the merchants refusal to provide any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 non-monetary relief
Consumer complaint received 2025-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: LA

Complaint narrative:
I'm reaching out in relations to the validity and accuracy of several student loan accounts that appear on my XXXX XXXX XXXX XXXX credit reports. The tradelines reported contain discrepancies with respect to the opening dates and the loan amounts, which are not identical at the different bureaus. These discrepancies raise serious questions regarding the accuracy and validity of these accounts. 

As provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), credit reporting bureaus must exercise reasonable procedures to deliver maximum possible accuracy. Inconsistent and conflicting information reporting violates this federal requirement. 

Furthermore, I am calling on 16 CFR 433.1, which upholds a consumer 's right to make claims and defenses against any credit contract holder. In that event, I think that some of the reported loans are not just inaccurate but do not necessarily exist either. Since the reporting party is not the actual creditor, they may not have the complete legal right or precise records to validate the debt. Therefore, I am exercising my right to contest validity and ask that you provide documented proof of original creditor, contract, and total payment history. 

Continuing to report unverifiable data or not to submit full verification may be tantamount to willful noncompliance, and you will become subject to damages under 15 U.S.C. 1681n and 1681o. 

According to this, I respectfully request : - Immediate reinvestigation of subject accounts ; - Complete verification by the original creditor ( not just the data furnisher ) ; - Erasure of any item that can not be verified by proper documentation ; - Written notice and updated credit report reflecting corrections. 

Accept this as a formal dispute under the FCRA. I look forward to a response within 30 days, as the law allows.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
I am writing as a consumer under the rights provided to me by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x, and the Fair and Accurate Credit Transactions Act ( FACTA ). This statement serves as both a formal dispute and a goodwill request to address derogatory items and inquiries that appeared on my credit file during a period where I was a victim of fraud and potential identity theft.

Legal Basis for Dispute ( FCRA Compliance Requirements ) Under FCRA 602 ( A ) and 607 ( b ), furnishers are legally required to : Ensure the maximum possible accuracy of all information reported.

Promptly investigate disputed items and correct or remove anything inaccurate or unverifiable.

Provide proof and documentation to support derogatory data they continue to report.

Furthermore, FCRA 611 ( a ) ( 1 ) requires investigation and response within 30 days of a consumer dispute. If the information can not be verified, it must be deleted.

Accounts in Dispute The following accounts reflect serious late payments or charge-offs that I believe are either inaccurate, unauthorized, or tied to fraudulent use of my information : XXXX. XXXX XXXX XXXX XXXX late payment ( Equifax ) XXXX late entries across Experian and TransUnion. 
XXXX. XXXXXXXX XXXX XXXX XXXXXXXX late payments across all XXXX bureaus. 
XXXX. XXXX XXXX XXXX late payments including XX/XX/XXXX day lates. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX days late reported on TransUnion XXXX 



Hard Inquiries in Dispute The following hard inquiries appeared without my knowledge or consent. I am disputing them as part of this complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX I am requesting these inquiries be removed immediately as they were unauthorized and are harming my credit standing. 



Requested Action I respectfully request the following : Immediate deletion or correction of the inaccurate, outdated, and unverifiable accounts listed above.

Optional re-aging of late payment accounts to show a Pays As Agreed status.

Removal of all unauthorized hard inquiries.

Notification to Experian, Equifax, and TransUnion of the updates pursuant to FCRA 623 ( a ) ( 2 ).

Supporting Documents Attached FTC Identity Theft Affidavit & Police Report Government-issued ID Proof of address ( e.g. Bank Statement ) Please acknowledge this dispute and provide written resolution within 30 days, as required by FCRA 611 ( a ). If any item is verified, I request a copy of the documentation used for verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

Thank you for your time and attention.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2025-04-23 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: NC

Complaint narrative:
Despite repeated requests and disputes, Equifax, Transunion and Experian have continued ignoring my request, disputes, and have continued reporting inaccurate information.

According to the FCRA section 605B it is illegal to report anything on my credit report without my permission. Per 15 USC 1692 ( C ) Equifax, Transunion and Experian have all violated my rights by in lawful communications.

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 2025-04-23 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: NC

Complaint narrative:
Despite repeated requests and disputes, Equifax, Transunion and Experian have continued ignoring my request, disputes, and have continued reporting inaccurate information.

According to the FCRA section 605B it is illegal to report anything on my credit report without my permission. Per 15 USC 1692 ( C ) Equifax, Transunion and Experian have all violated my rights by in lawful communications.

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 2025-04-23 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: MO

Complaint narrative:
I am writing to formally request the deletion of a charged-off account reported by XXXX XXXX XXXX in the amount of {$19000.00} from my credit report. This account was previously disputed through XXXX, and following their investigation, the account was fully deleted from my XXXX secondary credit report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( XXXX  ), all information reported to credit bureaus must be accurate, complete, and verifiable. If XXXX, as a recognized credit reporting agency, could not verify the accuracy of this account and subsequently deleted it, I am asserting that Equifax is equally obligated to remove the same unverifiable entry from my credit report. 
Under XXXX XXXX XXXX XXXX, if a consumer disputes the accuracy of an item on their credit report, the XXXX XXXX XXXX must conduct a reasonable investigation and remove or correct any information that can not be verified. Since the account has already been deemed unverifiable and deleted by XXXX, continuing to report this debt is not only misleading but a potential violation of federal law. 
Therefore, I am demanding that this account be deleted in full from my credit file with your agency within XXXX  days or less from the date of this notice, as required under the FCRA. 
Please be advised that failure to comply with this request and continued reporting of unverifiable information may result in legal action. As outlined in XXXX XXXX Code XXXX and XXXX, I reserve the right to seek statutory damages, actual damages, attorneys fees, and punitive damages for any willful or negligent noncompliance with the FCRA. 
This letter serves as formal notice of my intent to hold your agency accountable for reporting only accurate and verifiable information. I request a written response confirming the deletion of the account or an explanation within XXXX  days. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
An issue of validity was addressed on XX/XX/year> regarding items on my report. These items continue to be reported without any proof of verification or validity. They need to removed immediately. Simply telling me they have been verified is not proof that they are valid or correct. As a consumer, I have the right to know how and why a credit bureau has allowed information to be reported against me. Equifax has failed to do to this time and time again. Telling me these items are valid does not make them so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint regarding a collection account that was previously disputed and successfully removed from my credit report. The same account has since been reinserted by [ Experian/Equifax ] XXXX yet I was not notified in writing within five business days of the reinsertion, as required under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ).

According to FCRA, if a disputed item is reinserted, the credit bureau is legally obligated to notify me in writing and provide the name and contact information of the furnisher who certified the reinsertion. This did not occur.

Furthermore, TransUnion permanently deleted this same account following a CFPB complaint, reinforcing that the account is unverifiable or inaccurate.

I am requesting immediate and permanent removal of this account from my [ Experian/Equifax ] credit file, and written documentation verifying the reinsertion process and compliance with FCRA. 
If no such proof can be provided, the account must be deleted permanently from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-04-23 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: SD

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: VA

Complaint narrative:
Experian is reporting a last payment date of XX/XX/XXXX on a XXXX collection account but is failing to display the legally required Date of First Delinquency ( DOFD ). This violates FCRA 623 ( a ) ( 5 ), which requires the DOFD to be properly furnished and used as the basis for the 7-year reporting limit. The account went delinquent in XXXX, and must be deleted in XXXX. Reporting it into XXXX is unlawful and misleading. XXXX honored my early exclusion request XXXX XXXX and deleted it on the spot. I will be doing the same with XXXX XX/XX/XXXX. The latest is XX/XX/XXXX fall off if early exclusion isnt honored. So why is Experian reporting an entire year off?

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 2025-04-23 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: EQUIFAX, INC.
State: IL

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 explanation
Consumer complaint received 2025-04-23 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: EQUIFAX, INC.
State: MI

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 explanation
Consumer complaint received 2025-04-23 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: SC

Complaint narrative:
In XXXX of 2025, I decided to pull my personal credit to see if I can get a business loan What I discovered was unbelievable. Thre are inquireis on my credit report that I do not recognized. I personally handwritten a letter to all three credit bureaus requesting for them to delete those Inquires listed within the FTC to be be deleted. I have never heard back from Equifax, Experian and Transunion. 

The credit bureaus refused to remove the unauthorized inquireis that I di nt aplly for. I am asking for the credit bureau to provide verification if they feel I have initial the application process. I do but they would provide the documentation because I have not applied credit for any those places listed within the FTC.

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