vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Act ( CFPA ), and citing direct violations confirmed by the CFPBs XX/XX/XXXX lawsuit against XXXX XXXX XXXX XXXX XXXX XXXX  I am a victim of malpractice and broken laws based on the XX/XX/XXXX lawsuit against XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And Im also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under : - 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation - 15 U.S.C. 1681i ( a ) ( 2 ) Failure to forward all submitted documentation to furnishers - 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy - 15 U.S.C. 1681c-2 Failure to block fraudulent accounts upon identity theft report - 18 U.S.C. 1028 Identity Theft and Assumption Deterrence Act - FACTA Fair and Accurate Credit Transactions Act of XXXX - Metro 2 Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or Experians data mishandling. 
Accounts Reported in Violation of Federal Law LIST ACCOUNTS HERE : { Account Balance Date Opened Type Violations American XXXX XXXX {$40000.00} XX/XX/XXXX Auto Loan Reinserted without notice ( FCRA 1681i ( a ) ( 5 ) ( B ) ), Failure to investigate identity theft ( FCRA 1681c-2 ), Metro 2 violation, Failure to conduct reasonable reinvestigation ( FCRA 1681i ), Failure to maintain accuracy ( FCRA 1681e ( b ) ) Accounts reinserted without MOV or consumer notice, Metro 2 violations ( codes 30/31 ), FCRA 1681c-2 and 1681i ( a ) ( 2 ) violations Pattern of Misconduct { CREDIT BUREAU NAME } Lawsuit Reference This is not isolated. The CFPB filed suit against { CREDIT BUREAU NAME } in XX/XX/XXXX ( Case XXXX ) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims the very same conduct Im reporting here. I am directly experiencing the same violations as outlined in that case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the presence of a bankruptcy listed on my credit report, which is being reported inaccurately. I have obtained a letter directly from the court stating that this bankruptcy should not be reported to any of the credit bureaus, yet it still appears on my file. This is extremely concerning, as the court 's statement clearly invalidates the reporting of this item. What makes the situation even more troubling is the apparent involvement of an unauthorized third party, which raises serious questions about how this information was shared and why it is being reflected in my credit report without my consent or proper verification. 

Whats even more confusing is that only TransUnion is reporting this bankruptcy, while the other major credit bureaus are not. This inconsistency is alarming and indicates that there may have been an error or oversight in the way this information was handled. Under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws, inaccurate or unverifiable information must be removed from a consumers credit report. Given the supporting documentation Ive provided and the irregularities surrounding this issue, there is no legal basis for this bankruptcy to remain on my 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 explanation
Consumer complaint received 2025-08-05 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: TN

Complaint narrative:
I am disputing multiple hard inquiries on my credit report that were made without my knowledge or written authorization. These inquiries were not initiated by me, and I did not apply for credit or services from the companies listed. I submitted a dispute with [ ExperianXXXX XXXX to have the inquiries removed, but they failed to verify or validate that I gave permission. According to the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 3 ), a hard inquiry is only permissible if it was made in connection with a transaction initiated by the consumer. I did not initiate any transaction that would authorize these inquiries, and no company has provided written proof of consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: CO

Complaint narrative:
My account with EQUIFAX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
XX/XX/XXXX, XXXX somebody stole money from my account by purchasing things on XXXX XXXX I uploaded a screenshot of the transaction details, including exactly amount of XXXX, and the transaction id XXXX. 
I immediately called XXXX  regarding this, asked to open a dispute and have my card replaced, the rep " XXXX '' hung up on me. I called back 4 more times with similar results. They refused to open a dispute, yes refused. And then they would refuse to replace my card. So I XXXX  about this and found XXXX forums of hundreds of people with similar issues and they had instructions on how to contact you guys. XX/XX/XXXX I called again and same results. Yesterday I spent 4 hours calling and pleading with them to cancel my card and issue a new one and open a dispute. These fools admitted they were in on the scam and that there was nothing I could do about it. I then start receiving emails from XXXX XXXX XXXX' asking for a copy of my ID which im definitely not giving these scammer jerks. I've asked for supervisors or managers or a fraud department and im laughed at by random unqualified representatives and hung up on. Now im liquidating my account of my money, just moved out XXXX XXXX And im swapping all my XXXX XXXX to XXXX  permanently. XXXX is apart of this scam l. The reps steal your money, and then its a conflict of interest when you report them, at that point. I have more than 30 email correspondence which are completely one sided. They literally ignore all my emails about the fraud. Its clear they are in on this somehow. Thanks for helping me, because they wont .. this is about my card ending in XXXX... contact me back immediately with your solution please. If you want copies of the emails, let me know asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NJ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$700.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXXXX/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 2025-08-05 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:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting.

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


XXXX XXXX XXXX  XXXX # XXXX -- -- Opened : 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 2025-08-05 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: FL

Complaint narrative:
This submission serves not only as a complaint but also as a formal dispute regarding unauthorized credit inquiries reporting on my Experian credit file. I have attached my dispute letter to this complaint for review and official handling. The inquiries I am disputing were not authorized by me, and no documentation has been provided to justify their appearance on my credit report. 

The specific unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX I am utilizing the CFPBs complaint process to ensure that Experian receives and acknowledges my dispute, investigates the inquiries, and responds appropriately within the timeframe required by the Fair Credit Reporting Act. I believe that by submitting this through the CFPB, the dispute and all attached documentation will be forwarded to Experian for proper processing and resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had a Home Depot Credit Card which CITIBANK N A is the bank for the credit card. I made a credit card payment in XX/XX/XXXX of {$1200.00}. I called customer service in XX/XX/XXXX and got nowhere with the {$1200.00} payment being credited to my account. Home Depot sent me a letter a few days later stating they were investigating my dispute of the {$1200.00} payment which I was not disputing the payment I was disputing that Home Depot did not credit my account. Calling Home Depot customer support many times over for and not getting anywhere I reached out to the CFO XXXX XXXX of Home Depot via certified mail on XX/XX/XXXX who never responded to me about my payment nor complaint with customer service. Home Depot kept sending me statements with late fees after I closed my account on/about XX/XX/XXXX which was paid in full in XX/XX/XXXX. After disputing with customer service over the phone that my account was paid in full, I got tired of going nowhere. So, I made another final payment of {$1600.00} made by money order, which was deposited by CITIBANK NA on XX/XX/XXXX. I have a Lawyer Debt Collection Firm, ( XXXX XXXX XXXX ), who is claiming they are representing CITIBANK N A and sent me a letter in XX/XX/XXXX about the alleged debt with CITIBANK N A. I responded back with a certified letter in XX/XX/XXXX to XXXX XXXX Law Firm for specific information regarding the validation of the debt, how did they get my account information, chain of assignment, etc. and explained that my account was paid in full and the debt they are claiming was not mine. I responded back to the Law Firm via certified letter 30 days after sending the first letter to validate the alleged debt and asking for specifics and explaining in the second letter to them in XX/XX/XXXX they failed to respond to my previous letter. Both certified letters that were sent to XXXX XXXX XXXX Law Firm went unanswered! Now I have been served being sued in XXXX XXXX on XX/XX/XXXX by this Debt Collection Law Firm suing me for this alleged debt that is not mine. XXXX XXXX XXXX is presenting they are representing CITIBANK N A. I reached out to the legal dept of CITIBANK N A via certified mail on XX/XX/XXXX and gave them 10 days to respond back to me if they had sold the alleged account debt, or did they hire XXXX XXXX XXXX to collect the alleged debt for them. CITIBANK N A 's legal department has failed to respond back to me nor sending me any letters that my account was paid in full, the account was not paid in full, or they hired XXXX XXXX XXXX to collect the alleged debt. I have proof that my account was long paid before XXXX XXXX contacted me about this alleged debt. I deeply appreciate you looking into this matter. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: TX

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/year>, I made a purchase through PayPal using my XXXX XXXX debit card. The seller provided a USPS tracking number that only shows delivery to my ZIP code not to my actual address. I never received the item. 

I filed a dispute with XXXX XXXX, but they later told me they could not proceed because PayPal had reported to them that the payment was made using the Friends and Family option, which voids Buyer Protection. I did not knowingly select Friends and Family. The seller sent me a payment link, and I completed the transaction expecting it to be protected as a Goods and Services purchase. 

Because of that misclassification, XXXX XXXX never received a file back from PayPal to process the chargeback leaving me with no refund and no recourse. 

I then attempted to resolve it with PayPal directly. PayPal has refused to reopen the case, claiming they are waiting on the bank, even though XXXX XXXX already closed the dispute and took no action. 

Im now stuck without support from either PayPal or XXXX XXXX, despite being misled during the transaction. I respectfully ask the CFPB to investigate and help me recover my funds or receive a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$38000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} INQUIRIES : XXXX XXXX XXXX Date : 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 2025-08-05 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: FL

Complaint narrative:
I created a dispute letter that I sent to the credit bureaus asking them to investigate a few negative items that i have on my report. I still see the negative items being reported on my credit report even though there are inaccurate information.

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