vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-11-04 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2025-11-04 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 understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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 urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

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 2025-11-04 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: NJ

Complaint narrative:
I am sending to follow up on my previous dispute regarding inaccurate reporting on my credit file for the following accounts : XXXX XXXX Balance {$310.00} Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), including Sections XXXX ( b ), XXXX ( a ), XXXX ( a ) ( XXXX ) ( B ), XXXX ( a ) ( XXXX ), and XXXX ( a ) ( XXXX ) ( A ), which require accurate reporting, reinvestigation of disputed information, and prompt correction of errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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:
I sent a dispute to all three credit bureaus regarding transactions that it was illegal for me to make while incarcerated ( XXXX credit card purchases ). XXXX XXXX XXXX  XXXX was removed but reinserted months later after my credit score began to show significant increase. All follow up reports were answered with a show of XXXX  rebellion against removing improper information from my credit file. In essence, putting me in a position where I cant get back on my feet after XXXX. My recent dispute of XXXX XXXX was met with the same XXXX rebellion because this calculated and XXXX  system is XXXX on keeping in a disadvantaged position when Ive shown to the bureaus multiple times that I was imprisoned when the delinquent charges on these accounts were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: MI

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-04 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: NC

Complaint narrative:
XXXX XXXX  charged off my credit card account and issued me a Form 1099-C for cancellation of debt, which I received from the IRS for the tax year XXXX. This means the debt was forgiven and no longer owed. XXXX  representatives also verbally confirmed that the balance was forgiven and that they would not accept any further payments. 

Despite this, XXXX XXXX  continues to report a charged-off balance to Equifax as if the account still has an outstanding amount. I have disputed this with Equifax, but they continue to report the XXXX information as accurate. 

This is incorrect and misleading because a 1099-C represents a cancellation of debt, and the balance should be reported as {$0.00}, with the account marked as paid/closed or forgiven.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: PA

Complaint narrative:
The credit reporting agencies continue to report several inaccurate, unverifiable, and misleading accounts that have already been disputed multiple times. Despite prior written requests for validation, the furnishers and bureaus failed to provide lawful proof such as original signed agreements, accurate payment histories, or proper documentation confirming the validity of the alleged debts. Several accounts, including charge-offs from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and multiple collection accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remain on the report without verification. These accounts show inconsistent balances, re-aged dates, and duplicated reporting across bureaus, which violates the Fair Credit Reporting Act ( FCRA ) Sections 607 ( b ), 611 ( a ), and 623 ( a ) ( 5 ). In addition, unauthorized hard inquiries from XXXX on XX/XX/2023, and XXXX XXXX XXXX XXXX XXXX XXXX, were recorded without permissible purpose under FCRA Section 604 ( a ). Repeated attempts to have these items validated or deleted have been ignored, resulting in continued inaccurate reporting and harm to the consumers 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 non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year> I filed an unauthorized-transaction dispute with PayPal for XXXX transactions totaling {$81000.00} USD ( Case ID XXXX ). PayPal denied my claim on XX/XX/year> and permanently limited my account the same day. 
On XX/XX/year> PayPal issued a cash-advancing warning yet continued to process and collect fees on more than {$40000.00} in additional transfers through my account after that warning. PayPal therefore profited from the same activity it later labeled as misuse. Only after I exercised my statutory right to dispute unauthorized activity did PayPal abruptly close the account. 
The company completed its review in just two days for XXXX transactions, provided no provisional credit, and has refused to produce any documentation relied upon to decide that the transactions were authorized, such as device/IP logs, authentication records, or analyst notes. 
This conduct has caused severe financial stress and hardship. I have been deprived of {$81000.00} in funds, incurred fees, and lost access to necessary payment services. The sequence of eventswarning, continued processing and profit, then denial and permanent limitation immediately after my disputeshows inconsistent enforcement and likely retaliation.

PayPals actions appear to violate Regulation E ( 12 C.F.R. 1005.11 ), which requires a reasonable investigation, timely provisional credit, and disclosure of evidence relied upon.

Requested relief : Immediate provisional credit or full refund of {$81000.00} USD ; Reimbursement of all fees charged on the disputed transactions ; Full production of the evidence and internal records used to deny my dispute ; Regulatory review of PayPals investigation process and permanent-limitation decision. 
The financial impact is ongoing and significant, and prompt regulatory intervention is necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: OPORTUN FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing this complaint against Oportun XXXX XXXX for inaccurate and misleading credit reporting in violation of the Fair Credit Reporting Act ( FCRA ). 

The account ending in XXXX is being reported as Collection/Charge-off even though the account is closed and should no longer be reported as an active derogatory account. The reported balance and status do not accurately reflect the final standing of the account. 

I contacted both the credit bureaus and Oportun XXXX XXXX to request verification and correction of the account information, but the company has failed to provide documentation supporting this reporting or to update the status appropriately. 

Under FCRA 623 ( a ) ( 1 ) ( A ), data furnishers must not report information they know or should know is inaccurate. Continuing to report a closed account as a charge-off or active collection misrepresents my payment history and causes harm to my credit profile. 

I am attaching a copy of my credit report showing the account status and any relevant correspondence with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Im writing in regards to XXXX  XXXX account # XXXX. This account keeps reporting as late on my report every month, I settled this account in full months ago XXXX to 8 months later its still being reported as late and charge off

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am very upset to see that these inaccurate accounts are still appearing on my credit report, even after everything Ive done to fix this. Im begging for the attached documents to be carefully reviewed so I can finally stop stressing about this issue.

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 2025-11-04 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: TX

Complaint narrative:
I am very upset to see that these inaccurate accounts are still appearing on my credit report, even after everything Ive done to fix this. Im begging for the attached documents to be carefully reviewed so I can finally stop stressing about this issue.

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 2025-11-04 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: GA

Complaint narrative:
Under FCRA 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute accounts that appears to be inaccurately reported on my credit file. After reviewing my report, I found a loan account reflecting an incorrect opening date and inconsistent payment information that does not align with my verified records. These discrepancies have created an inaccurate impression of my creditworthiness, and I am requesting that this matter be fully reinvestigated in compliance with federal law. 
XXXX XXXX XXXX {$170000.00} Date opened XX/XX/year>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 explanation
Consumer complaint received 2025-11-04 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: GA

Complaint narrative:
Under FCRA 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute accounts that appears to be inaccurately reported on my credit file. After reviewing my report, I found a loan account reflecting an incorrect opening date and inconsistent payment information that does not align with my verified records. These discrepancies have created an inaccurate impression of my creditworthiness, and I am requesting that this matter be fully reinvestigated in compliance with federal law. 
XXXX XXXX XXXX {$170000.00} Date opened XX/XX/year>XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
require assistance with a credit issue. XXXX has reported negative information on my credit file, claiming a refusal to pay. I was previously notified through their website that they were under investigation for fraud, and since that time, they have ceased all communication with me. I am seeking guidance on how to legally dispute this incorrect bad credit entry and have it removed. ''

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX is furnishing completely fabricated account timeline data to all three major credit bureaus, reporting an account that was allegedly opened and closed on the SAME DAY yet shows 11 years of subsequent activity. 
Account Details : Account Number : XXXX XXXXXXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX ( SAME DAY ) High Credit : {$30000.00} accumulated in " XXXX days '' Last Payment : XX/XX/XXXX ( 5 years after same-day closure ) Reporting continues through XXXX ( 11 years after one-day existence ) The Violation : This reporting defies the most basic logic : An account can not accumulate {$30000.00} in debt on the same day it opens and closes A consumer can not make payments 5 years after a same-day account closure This account could not have legitimately existed long enough for any activity This represents the most egregious re-aging and data fabrication I have encountered. XXXX has " verified '' this absurd timeline multiple times despite repeated disputes.

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