vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: AR

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements XXXX be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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 recently viewed a copy of my credit report and noticed multiple inaccurate fraudulent accounts and inquiries on my report due to the 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 non-monetary relief
Consumer complaint received 2025-07-18 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: NJ

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 XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency canact-furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has. 
XXXX reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
This Complaint is against PayPal and their vendor XXXX. A purchased was made from a PayPal vendor XXXX on XXXX XXXX under transaction id XXXX for $ XXXX. This XXXX was for XXXX XXXX mats on a XXXX XXXX XXXX XXXX. 
My order number with XXXX is XXXX. I received my item on XX/XX/XXXX and it does not fit my vehicle. I have sent a message to XXXX the day after on the XXXX of XXXX to inform them of this problem to be resolved. no response. I then sent on the XXXX of XXXX a video of the installation of the mats to show in detail of why they don't fit. XXXX got back to me the day after XXXX of XXXX stating " thank you so much for sending us the video. Please wait we will check and get back to you soon. I waited a reasonable amount of time which was 72hrs ( 3 days ) to asked them i have not been contacted yet and what would be a reasonable amount of time to wait for a response for my refund. no answer from carsilks. I then informed them in the same letter on the XXXX of XXXX that i will be contacting Paypal to protect my interest in 24hrs if i do no hear from them and hear we are. I have videos and pictures to show that their engineered to fit like a glove car mats as stated in the description on their website was not true in what item/product they sent me.I provided a link on XX/XX/XXXX of this year of a video of the installation of the XXXX car mats that does not fit. 
Here is the link, https : XXXX? XXXX If you highlight the link and right click on it, it will give you an option to go to the XXXX XXXX video to see the flawed item XXXX has sent me XXXX Once again i provided this link on XX/XX/XXXX as evidence and i guess it was over looked. I am now sending it again within the ( XXXX ) that are requested for additional information. I have also sent corresonding emails between me and XXXX admitting their mistake and asking me for permission to redue to car mats if i drop the complaint. I submitted all evidence to PayPal of Pictures, videos and a pdf of emails and PayPal stated " We received the case ( s ) you filed on XX/XX/XXXX. 

We have reviewed this transaction ( s ) and are denying your case ( s ). This decision was made because if an item is materially similar to the seller 's description, we do not consider it to be significantly not as described. 

We're sorry for any problems you may have experienced with the transaction ( XXXX ). 
The evidence showed it was significantly not as described and allowed the case to be closed in the seller 's favor. 
This is not acceptable. I have a product from the seller that i can not use and money spent that i can not recover.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-07-18 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: NC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: IL

Complaint narrative:
CFPB Complaint Description ( for XXXX XXXX Deletion Request ) I am updating my CFPB complaint against XXXX XXXX to include serious legal and procedural violations based on their handling of my dispute. 

XXXX XXXX has : Continued to report derogatory tradelines while an active CFPB dispute is open.

Failed to mark the account as in dispute using the required Metro 2 XB/XH code, violating FCRA 623 ( a ) ( 3 ).

Never provided full debt validation or chain of assignment despite my written request, in violation of 15 U.S.C. 1692g.

Misled me with contradictory instructions regarding a hardship request and refused to accommodate the process they originally offered, violating UDAAP standards ( 12 U.S.C. 5531 ). 
Issued collection demands while I was actively disputing and requesting resolution, amounting to harassment and unfair conduct under FDCPA 806808.

Sent a response letter addressing different dates and avoiding the issues raised in my original complaint, failing to meaningfully reinvestigate the dispute per XXXX XXXX Trans Union. 

XXXX XXXX reporting is materially incomplete and misleading and continues to damage my credit profile. I have attached a sworn affidavit and copies of all relevant credit reports showing the failure to reflect an active dispute. 

I demand deletion of the XXXX XXXX  tradeline due to noncompliance with Metro 2, FCRA, FDCPA, and UDAAP standards. This matter warrants urgent review and enforcement 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 2025-07-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
CFPB Complaint Description ( for XXXX XXXX Deletion Request ) I am updating my CFPB complaint against XXXX XXXX to include serious legal and procedural violations based on their handling of my dispute. 

XXXX XXXX has : Continued to report derogatory tradelines while an active CFPB dispute is open. 
Failed to mark the account as in dispute using the required Metro 2 XB/XH code, violating FCRA 623 ( a ) ( 3 ).

Never provided full debt validation or chain of assignment despite my written request, in violation of 15 U.S.C. 1692g.

Misled me with contradictory instructions regarding a hardship request and refused to accommodate the process they originally offered, violating UDAAP standards ( 12 U.S.C. 5531 ). 
Issued collection demands while I was actively disputing and requesting resolution, amounting to harassment and unfair conduct under FDCPA 806808.

Sent a response letter addressing different dates and avoiding the issues raised in my original complaint, failing to meaningfully reinvestigate the dispute per XXXX XXXX XXXX XXXX. 

XXXX XXXX reporting is materially incomplete and misleading and continues to damage my credit profile. I have attached a sworn affidavit and copies of all relevant credit reports showing the failure to reflect an active dispute. 

I demand deletion of the XXXX XXXX tradeline due to noncompliance with Metro 2, FCRA, FDCPA, and UDAAP standards. This matter warrants urgent review and enforcement action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
CFPB Complaint Description ( for XXXX XXXX Deletion Request ) I am updating my CFPB complaint against XXXX XXXX to include serious legal and procedural violations based on their handling of my dispute. 

XXXX XXXX has : Continued to report derogatory tradelines while an active CFPB dispute is open. 
Failed to mark the account as in dispute using the required Metro 2 XB/XH code, violating FCRA 623 ( a ) ( 3 ).

Never provided full debt validation or chain of assignment despite my written request, in violation of 15 U.S.C. 1692g.

Misled me with contradictory instructions regarding a hardship request and refused to accommodate the process they originally offered, violating UDAAP standards ( 12 U.S.C. 5531 ). 
Issued collection demands while I was actively disputing and requesting resolution, amounting to harassment and unfair conduct under FDCPA 806808.

Sent a response letter addressing different dates and avoiding the issues raised in my original complaint, failing to meaningfully reinvestigate the dispute per XXXX XXXX XXXX XXXX. 

XXXX XXXX reporting is materially incomplete and misleading and continues to damage my credit profile. I have attached a sworn affidavit and copies of all relevant credit reports showing the failure to reflect an active dispute.

I demand deletion of the XXXX XXXX tradeline due to noncompliance with Metro 2, FCRA, FDCPA, and UDAAP standards. This matter warrants urgent review and enforcement 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 explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
BANK OF AMERICA Because I made a large wire transfer to XXXX  ( made many PREVIOUS via debit card ) the flagged and locked my account. They say I have to present myself personally at a branch to verify that I made the wire transfer ( XXXX miles ). They cant process the wire. I have called the wire transfer department and fraud department. I have answered all their questions like who told me to do this, how long have I known this person and his number. I answer all questions and I told them I made other purchases to XXXX via debit card but that didnt make a differences. I am now without my debit card as well as my checking acct. It is URGENT that they process the wire transfer as well as unlocking my account so I can use my debit card. PLEASE. PLEASE would you give this your immediate 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 monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX'I sent a certified letter to Transunion on XXXX  via USPS mail with a tracking number of XXXX XXXX XXXX XXXX XXXX XXXX   . The letter was delivered to XXXX  in XXXX XXXX XXXX XXXX XXXX XXXX. The letter stated they needed to promptly investigate the account and correct it or delete it. XXXX  ignored my request and I proceeded to send another letter on XXXX They also ignored my 2nd letter. The accounts that were included in both letters were \n\n1. XXXX XXXX balance is XXXXand account number is XXXX XXXX XXXX  balance is $XXXX  and account number is  XXXX'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: AMERIS BANCORP
State: FL

Complaint narrative:
I am filing this complaint because a collection agency is reporting inaccurate information on my credit report. I have disputed the account and requested validation from the debt collector, but they failed to provide proper documentation proving that the debt is valid and that I am legally responsible for it. Despite this, the agency continues to report the account to the credit bureaus. 

This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which require that all information reported to credit bureaus be accurate and verifiable. I am requesting that this collection account be removed from my credit reports and that the collection agency cease all reporting and communication until the debt is properly validated. 
XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7300.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$740.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-18 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: MO

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

1681c-2 ) that you, the Experian Credit 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 : XXXX XXXX Address : XXXX XXXX XXXX XXXX, MO XXXX ACCOUNTS XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXXXXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$5100.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-18 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-07-18 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: Experian Information Solutions Inc.
State: AL

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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