vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 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: LA

Complaint narrative:
XXXX XXXX XXXX has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX XXXX XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX XXXX XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX XXXX inaction violates federal law and my rights as a consumer.

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 2025-05-25 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: CA

Complaint narrative:
b'XXXX XXXX\nXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX\nDate of Birth: 0XXXX\nSSN: XXXXnXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nSubject: Demand for Removal of All Derogatory Information, Fraudulent Debts, and Accounts -\XXXX  of XXXX XXXXXXXX XXXXXXXX XXXX - Credit Bureau Letter\nTo Whom It May Concern:\nI am writing to invoke my rights under the Debt Bondage Repair Act (Public Law No. 117-81) and\nthe Fair Credit Reporting Act (15 U.S.C.  1681-1681x). As a verified survivor of XXXX XXXX,\nI demand the immediate removal of all derogatory information, fraudulent accounts, and coerced\ndebts that have been reported on my credit file.\nThese items were incurred through exploitation, coercion, and fraud and do not reflect my valid\nconsent or financial activity. I request the following actions be taken immediately:\n1. Block and permanently remove any accounts, inquiries, or derogatory tradelines connected to\nperiods of XXXX.\n2. Cease all reinsertion or reporting of these items in the future.\n3. Send me written confirmation that my credit report has been corrected.\nIncluded in this letter are:\n- A copy of my government-issued identification.\n- Proof of current address.\n- A certified determination of my status as a XXXX XXXX victim.\n- A copy of my credit report with fraudulent items highlighted.\nPlease confirm compliance within the timeframe established by federal law. Thank you for your\nprompt attention to this matter.\nSincerely,\nXXXX XXXX \n___________________'

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 2025-05-25 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: CA

Complaint narrative:
b'XXXX XXXX\nXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX\nDate of Birth: 0XXXX\nSSN: XXXXnXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nSubject: Demand for Removal of All Derogatory Information, Fraudulent Debts, and Accounts -\XXXX  of XXXX XXXXXXXX XXXXXXXX XXXX - Credit Bureau Letter\nTo Whom It May Concern:\nI am writing to invoke my rights under the Debt Bondage Repair Act (Public Law No. 117-81) and\nthe Fair Credit Reporting Act (15 U.S.C.  1681-1681x). As a verified survivor of XXXX XXXX,\nI demand the immediate removal of all derogatory information, fraudulent accounts, and coerced\ndebts that have been reported on my credit file.\nThese items were incurred through exploitation, coercion, and fraud and do not reflect my valid\nconsent or financial activity. I request the following actions be taken immediately:\n1. Block and permanently remove any accounts, inquiries, or derogatory tradelines connected to\nperiods of XXXX.\n2. Cease all reinsertion or reporting of these items in the future.\n3. Send me written confirmation that my credit report has been corrected.\nIncluded in this letter are:\n- A copy of my government-issued identification.\n- Proof of current address.\n- A certified determination of my status as a XXXX XXXX victim.\n- A copy of my credit report with fraudulent items highlighted.\nPlease confirm compliance within the timeframe established by federal law. Thank you for your\nprompt attention to this matter.\nSincerely,\nXXXX XXXX \n___________________'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Permanent Account Limitation Without Justification or Transparency I am filing this complaint regarding my PayPal account associated with the email XXXX, which was permanently limited over two years ago without a clear explanation or fair investigation.

At the time of the limitation, I was not informed of any specific violations, policy breaches, or suspicious activity. I received only a generic message stating that the decision was final and could not be appealed. Since then, I have repeatedly contacted PayPal Customer Service, submitted inquiries through their Help Center, and most recently sent formal written requests to multiple departments including XXXX, XXXX, and XXXX none of which have provided a meaningful explanation or resolution. 

As of now, I still have not received : A valid reason for the permanent account limitation Any internal documentation or evidence that supports their decision A chance to dispute or correct any issue that may have triggered the closure I believe this is a violation of fair consumer financial practices, especially considering the fact that PayPal operates as a digital financial service provider and is required to comply with consumer protection standards. 

I am formally requesting that PayPal : 1. Conduct a full internal review of my account 2. Provide a written explanation of why it was closed 3. Reinstate the account or provide proper justification and documentation for the limitation This lack of transparency and refusal to allow appeal violates my rights as a consumer.

Requested Resolution : Full review of the account and clear documentation of the reason behind its permanent limitation. If no valid reason exists, I request that my account be reinstated. 



My Information : Name : XXXX XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have sent Equifax a copy of my identification card proof of address and my social security card proving my identity and they are failing to remove the fraud alert off my credit report as it is hinfdering my journey to apply for my new home. 

update my personal information per the documents that are attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
I need to be removed off of my credit report. I have no knowledge of this account in this company has called and repeatedly harass me about something. I dont have knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been disputing information on my credit report that is not mine. I have been requesting the company to conduct an investigation and submit to me in writing of the investigation how, when and how conducted the investigation. I have not received any response to my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been disputing information on my credit report that is not mine. I have been requesting the company to conduct an investigation and submit to me in writing of the investigation how, when and how conducted the investigation. I have not received any response to my request.

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 2025-05-25 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:
I am submitting this complaint due to multiple violations of the Fair Credit Reporting Act, specifically FCRA 605 ( c ), involving re-aging of derogatory accounts. The following accounts are inaccurately updating or showing recent activity even though the original delinquency occurred several years ago. This re-aging practice is unlawful and artificially extends the derogatory impact on my credit report. 

XXXX XXXX ( XXXX XXXX ) : Charged off in XXXX but continues updating monthly through XXXX on all three bureaus as active charge-off. 

XXXX XXXX : Several closed accounts from XXXX are still showing new derogatory updates or re-investigation notations in XXXX on Experian. 

XXXX XXXX : Placed for collection in XXXX but shows continuous monthly activity updates and estimated fall-off date that doesnt match the 7-year rule. 

Possible Finance : Charged off in XXXX but reporting activity and balances in XXXX. 

XXXX / XXXX : Charged off in XXXX but is now re-reporting activity through XXXX on Equifax and TransUnion. 

These accounts either : Do not reflect the correct Date of First Delinquency, or Are being illegally re-aged through new update cycles that mislead creditors and extend derogatory status beyond the legal 7-year limit.

I request that the CFPB : Investigate these accounts and the furnishers reporting them.

Require correction or deletion of any account where the XXXX is missing or unverifiable. 

Ensure all furnishers and credit bureaus stop re-aging these accounts and accurately report the original charge-off or default dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bounce AI, Inc.
State: MI

Complaint narrative:
I am writing in response to your recent correspondence regarding the debt that you claim I owe. I am requesting that you provide me with validation of this debt, as required under the Fair Debt Collection Practices Act.

Specifically, I am requesting that you provide me with the following information : 1. The amount of the debt that you claim I owe.

2. The name of the original creditor to whom the debt was owed.

3. The date on which the debt was incurred.

4. Proof that you are authorized to collect this debt.

I would also like to request that you provide me with copies of any documentation related to this debt, including but not limited to account statements, billing statements, and any contracts or agreements related to the debt.

Please note that I am not acknowledging that I owe this debt. I am simply requesting that you provide me with verification of the debt, as required by law.

I would appreciate your prompt response to this request. Please note that if you are unable to provide me with the requested information, I will consider the debt to be invalid and will take appropriate action to protect my rights as a consumer.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: McCarthy, Burgess & Wolff, Inc.
State: OH

Complaint narrative:
I contacted the company to request information regarding a supposed account they claim is mine. However, they have not provided any evidence verifying that the account belongs to me. Despite repeatedly informing them that the account is not mine and continuing to dispute it, they keep emailing me about the same issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: FL

Complaint narrative:
I am disputing a charge-off account reported by XXXX  XXXX account # XXXX on my credit report. I never gave written authorization or consent for this account to be furnished or reported, as required under 15 USC -1681b of the Fair Credit Reporting Act. I have submitted a written dispute to Equifax and requested written proof of consent. They failed to provide it and are continuing to report the account. I am requesting full deletion of this charge-off and for the CFPB to enforce my rights under federal law. I hereby demand immediate deletion of this account within 7 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately. 

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TRANSUNION, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ; XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency TRANSUNION, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: KY

Complaint narrative:
I am filing this complaint because I am a victim of identity theft, and despite submitting formal disputes and providing an FTC Identity Theft Report ( Report # XXXX ), the credit reporting agencies have failed to comply with federal law under the Fair Credit Reporting Act ( FCRA ). 

I have continuously disputed multiple fraudulent accounts with TransUnion, Experian, and Equifax, requesting that they be blocked and permanently removed under 15 U.S. Code 1681c-2. Despite these efforts, the bureaus have either ignored my request or failed to act in accordance with the law. 

Specifically : Experian initially removed the fraudulent XXXX XXXX XXXX  account but reinserted it without notification or certification, which violates 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). 
Equifax also removed the fraudulent XXXX XXXX  account but later reinserted it without following the proper legal protocol or providing notice, also in violation of 1681i ( a ) ( 5 ) ( B ). 

According to this law, if information is removed and then reinserted, the credit bureau must certify that the information is accurate and notify the consumer within five business days. This did not happen in either case.

I am asking the CFPB to investigate these FCRA violations and ensure that the fraudulent accounts are permanently removed and blocked as required by law. The reinsertion of previously deleted accounts without proper certification demonstrates a failure to conduct a reasonable investigation. 

Thank you for your assistance in resolving this serious matter.

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 2025-05-25 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: KY

Complaint narrative:
I am filing this complaint because I am a victim of identity theft, and despite submitting formal disputes and providing an FTC Identity Theft Report ( Report # XXXX ), the credit reporting agencies have failed to comply with federal law under the Fair Credit Reporting Act ( FCRA ). 

I have continuously disputed multiple fraudulent accounts with TransUnion, Experian, and Equifax, requesting that they be blocked and permanently removed under 15 U.S. Code 1681c-2. Despite these efforts, the bureaus have either ignored my request or failed to act in accordance with the law. 

Specifically : Experian initially removed the fraudulent XXXX XXXX XXXX  account but reinserted it without notification or certification, which violates 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). 
Equifax also removed the fraudulent XXXX XXXX  account but later reinserted it without following the proper legal protocol or providing notice, also in violation of 1681i ( a ) ( 5 ) ( B ). 

According to this law, if information is removed and then reinserted, the credit bureau must certify that the information is accurate and notify the consumer within five business days. This did not happen in either case.

I am asking the CFPB to investigate these FCRA violations and ensure that the fraudulent accounts are permanently removed and blocked as required by law. The reinsertion of previously deleted accounts without proper certification demonstrates a failure to conduct a reasonable investigation. 

Thank you for your assistance in resolving this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have been having trouble with Experian. I purchased the credit monitoring but it hasn't updated since XXXX XXXX  2025. When I go on the app I don't get any alerts or anything. I tried calling support but couldn't get anyone on. So then I tried to cancel the subscription but couldn't even do that either. They will however allow me to downgrade my subscription. This is shady business practice. I demand that they allow me to cancel my account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: FL

Complaint narrative:
US home mortgage is showing late payments but Ive never had a late payment with them

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