vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: CA

Complaint narrative:
At XXXXXXXX XXXX.on XX/XX/XXXX I went to the XXXX on XXXX to withdraw {$60.00} XXXX XXXX XXXX XXXX XXXX XXXX  US and an error occurred resulting in no money being dispensed and no receipt and a sorry out of service message appeared although {$60.00} was withdrawn from my payroll account/checking and was shorted my {$60.00} of work pay from the previous day of XX/XX/XXXX.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 2025-09-09 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: TX

Complaint narrative:
This is unfair, illegal, fraudulent, and inequitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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 submitting this complaint regarding fraudulent accounts that have appeared on my credit report. These accounts do not belong to me and are the result of identity theft. The accounts are as follows : XXXX XXXX account in the amount of {$570.00} XXXX XXXX Account in the amount of {$460.00} I have never applied for or opened these accounts and have no knowledge of them. I have already disputed these items directly with the credit bureaus and provided proof of my identity and supporting documentation, but the accounts remain and continue to harm my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting. Fraudulent accounts should be blocked and permanently removed from my file under Section 605B. I am requesting that these accounts be fully investigated, blocked, and deleted, and that I receive written confirmation of the outcome.

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 2025-09-09 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: TX

Complaint narrative:
Im following up on the XXXX XXXX XXXX account ( # XXXX XXXX XXXX XXXX XXXX ), which Ive already disputed. Youve verified it as accurate, but under 15 U.S.C. 1681i, inaccurate or unverifiable information must be deleted. 

This isnt about proving I dont oweits about inconsistent reporting, which violates the FCRA XXXX There are still multiple inaccuracies showing up on my credit report. 

Since this has already been disputed and no original documentation has been provided, Im requesting deletion under 1681i ( a ) ( 5 ).

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 2025-09-09 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:
On XX/XX/year>, I noticed that TransUnion is reporting inaccurate and unverifiable accounts on my credit file. The reported accounts show accounts as listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 disputed these items directly with the bureau on [ insert dispute date ] and provided notice that the information was inaccurate. Despite this, the bureau has continued to report the accounts without providing me with full validation from the furnisher. 
Under the Fair Credit Reporting Act ( FCRA ) 611, 15 USC 1681i, the bureau must conduct a reasonable reinvestigation and delete any information that can not be fully verified. Additionally, under FCRA 607 ( b ), 15 USC 1681e ( b ), they are required to maintain maximum possible accuracy in consumer reports.

Since the accounts remain unverifiable and inaccurate, I am requesting immediate and permanent deletion of these items. The continued reporting of unverifiable information is harming my creditworthiness and is in direct violation of the FCRA.

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 2025-09-09 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: HI

Complaint narrative:
Please remove this false and unrecognized account from my credit report, as it is not associated with me.

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 2025-09-09 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:
I am a victim of XXXX XXXX of Debt XXXX  and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2025 XXXX XX/XX/2025

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 2025-09-09 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: Perpay, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I intended to purchase a perfume set from an online boutique for {$29.00}. The order was placed and I never received an email confirmation. After a week had passed I realized I never received tracking information so on XX/XX/XXXX I attempted to contact the seller to find out where my order was. I went back to the website and I could not locate it. I emailed them and the email was returned to me " not found ''. So I knew I had been scammed and I contacted the credit card company to submit a dispute. I ordered a replacement card and they submit the dispute and issued a temporary provisional credit in the amount of {$29.00}. After about 2 weeks on XX/XX/XXXX I get an email saying that the dispute was resolved and that no errors had occurred and no funds will be credited as a result of this claim. Therefore the provisional credit they issued was then deducted from my available balance. On XX/XX/XXXX a full 30 days after I placed this bogus order. I called the credit card company again and was told to respond to the email that I received, which I did and was told yet again the issue had been resolved and no further action would be taken. I have no problem paying for something I purchased and I am aware that a credit card is a line credit its not your actual money but I am expected to pay this money back for something I did not purchase nor do I have the goods that were allegedly purchased. They can't prove they sent me the items, they can't prove it was shipped to me or lost in the mail or anything. I don't understand why the credit card company is not advocating for their customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Follow-Up Complaint Regarding Verification of Fraudulent Accounts AND FINAL WARNING FOR INMEDIATE REMOVAL ACCOUNT To Whom It May Concern, I am writing to formally follow up on my previous complaint regarding the failure of EXPERIAN to remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report FTC Report Number : XXXX, EXPERIAN has claimed that the disputed accounts have been " verified. '' The following fraudulent accounts remain on my credit report, which I have previously identified as resulting from identity theft : XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681a ( 4 ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented.

15 U.S.C. 1681b ( 2 ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information.

15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed.

Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) to request the removal and to demand proof of its verification. Section According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Furthermore, under 15 U.S.C. 1681c-2, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that [ Credit Bureau Name ] has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information.

I also believe that the actions of EXPERIAN may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights.

I request that the CFPB investigate this matter further and take necessary actions to ensure that these accounts are properly deleted from my credit report. I also seek guidance on the steps I can take to protect my rights as a consumer in this situation.

Thank you for your prompt attention to this ongoing issue.

Sincerely,

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 2025-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: TX

Complaint narrative:
I emailed Pennsylvania Higher Education Assistance Agency ( PHEAA ) and received a response that they are not my federal loan servicer. In addition, I called PHEAA and they said my personally identifiable information is not associated with any loans. Moreover, PHEAA, is not listed on my credit reports. However, when I successfully submitted my IDR application, XXXX XXXX XXXX XXXX XXXX XXXX said I have to manually submit my IDR application to PHEAA. My IDR application was approved with XXXX, but not with PHEAA. Please find a resolution on this matter forthwith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I am submitting this complaint regarding PayPals failure to properly handle my dispute regarding an unintended and unauthorized transaction and its associated fees. 

On XX/XX/year>, around XXXXXXXX XXXX, I discovered an unintended and unauthorized transaction had been sent through PayPal because I received a text message from the credit card binding with my PayPal account. PayPal not only processed this incorrect transaction but also charged me an additional fee of the same amount, which effectively doubled my financial loss.

I promptly reported this issue through PayPals website. Shockingly, within 15 minutes, PayPal closed my case without investigation, denied my request for refund, and refused to address the unauthorized charge. 

On XX/XX/year>, I called PayPal support. Instead of resolving the issue, the agents dismissed my concerns, told me to ask the recipient to return the money, and ignored my request for a refund of the unauthorized transaction and the improper fee charged. I made multiple calls that day and one agent finally answered my call and explained my report was high likely denied by AI system within a short time. Thus, they just sent me to appeal another case on the website as the closure. 

On XX/XX/year>, it's so annoying that PayPals representative still made no effort to correct the platforms error and process my appealed case. They remained to refuse listening to my concerns regarding this unintended transcation and closed on my behalf without checking with me. I was always pushed back from PayPal to received such uninformed decisions of " no error ''. Thus, I am very upset and requesting your assistance with getting my unauthorized and unintended money back.

I'm filing this complaint because PayPals conduct raises serious concerns under federal consumer financial laws, as it : Fails to investigate unauthorized transactions as required under Regulation E ( Electronic Fund Transfer Act ).

Charges consumers fees on transactions that are neither authorized nor valid.

Denies consumers a fair and timely dispute resolution process.

I respectfully request the CFPBs assistance to compel PayPal to : Refund the incorrect transaction amount.

Refund the improper transaction fee charged.

Review and reform their dispute-handling process to ensure compliance with federal consumer protections.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
To Whom It May Concern : This letter serves as a formal dispute of certain information currently being reported on my credit file. Under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting that you conduct a thorough reinvestigation of all accounts listed in my credit report that can not be verified for accuracy and completeness.

I do not acknowledge the accuracy or validity of specific entries ; however, I am asserting my right to have all items independently verified. In accordance with FCRA 611, you are legally obligated to : 1. Conduct a reasonable investigation within 30 days of receiving this request.

2. Notify the data furnishers of the dispute within 5 business days.

3. Delete or correct any information that can not be verified or is found to be inaccurate or incomplete.

4. Provide me with written results of the investigation and an updated copy of my credit report at no charge, as required by FCRA 611 ( a ) ( 6 ) ( B ) ( ii ).

Please note that, under FCRA 611 ( a ) ( 5 ) ( A ), if the disputed information can not be verified after the investigation, it must be deleted from my credit report. Additionally, any unverifiable data may not be reinserted into my credit file unless the furnisher certifies the accuracy and completeness of the information, and I am notified in writing, per FCRA 611 ( a ) ( 5 ) ( B ). 

Please consider this letter as notice that I am exercising my legal rights and expect full compliance. I request all information that can not be independently verified in accordance with the FCRA be promptly removed from my credit file. 

Please send me confirmation of the investigation results to the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I, XXXX XXXX, am filing this complaint against Experian, Equifax, and TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

On XX/XX/year>, I obtained my credit report from XXXX and found multiple inaccuracies. Despite submitting a valid dispute with proper identification and documentation, the credit bureaus have not conducted a proper reinvestigation or provided a required method of verification, violating 15 U.S.C. 1681e ( b ), 1681g, and 1681i. 

Disputed Items : Incorrect Personal Information Current Address : XXXX XXXX XXXX XXXX XXXX XXXX incorrect/incomplete ) Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX incorrect XXXX Charge Off XXXX XXXX Account No. XXXX * * * * * * * * * * * * * * * Late Payment XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX * * * * * * * * * These items are inaccurate, incomplete, or unverifiable. Under 15 U.S.C. 1681i ( a ) ( 5 ), the credit bureaus are required to delete unverifiable information.

Violations : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a lawful reinvestigation.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide a method of verification.

15 U.S.C. 1681g : Failure to provide a full consumer file disclosure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
I have disputed this with the credit bureaus more than 6 times withing the past year. I have received no verifiable response. Section 611 of the FCRA mandates that credit bureaus conduct a reasonable investigation within 30 days of a consumer dispute about the accuracy and completeness of information in the consumer 's credit report. If the credit bureau fails to provide the method of verification as requested, the credit bureau must delete the negative debt, and all negative items reporting on the consumer 's credit report. The credit bureau must notify the information furnisher, and provide written notice to the consumer of the deletion.The FCRA also requires credit bureaus to remove negative information that they can not verify. Section 611 ensures that credit bureaus are responsible for thoroughly checking and correcting disputed information thereby helping to maintain the accuracy and integrity of consumer credit files. I have demanded proof of the method of verification under section 611 of the FCRA, but the bureaus have failed to provide this information though requested more than 3 times. The negative reports have lowered my credit score by over XXXX points. I am demanding the points taken each time an item was reported gets added back to my credit score by the credit bureaus with the exact amount of points that were taken each time effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: FL

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( XXXX ), Truth in Lending Act ( XXXX ), and the Gramm-Leach-Bliley Act ( XXXX ). Despite my previous disputes, the same problem remains unresolved. Equifax has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. XXXX ( a ). 
Under XXXX Title XXXX, Section XXXX, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. XXXX of the XXXX imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( XXXX ), codified at 15 U.S.C. XXXX et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: TX

Complaint narrative:
My student loans were transferred from XXXX to XXXX. I was under financial hardship and not required to make payments at the time. I was never notified of any required changes to my payment status. Despite this, XXXX reported me as XXXX days late in XXXX and XX/XX/year>, which caused a XXXX drop in my credit score. I believe this is an error either due to my hardship status or miscommunication during the servicer transfer and I am requesting a full investigation and correction. This is negatively impacting my ability to access credit and housing.

Company response to consumer: Closed with explanation