vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this personal statement to report issues with inaccurate and unverified information appearing on my credit file. The following accounts are being reported incorrectly : XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX I have disputed these accounts with the credit reporting agency, but they continue to appear without proper verification or documentation. 
Reasons for My Dispute The information reported for these accounts is inaccurate, inconsistent, and does not match my records. Some details appear to be incorrect, incomplete, or unauthorized. 
Despite my disputes, I have not received proper validation as required by the Fair Credit Reporting Act ( FCRA 1681i ), which requires credit bureaus to investigate disputed information. 
Additionally, credit bureaus are required to maintain maximum possible accuracy under FCRA 1681e ( b ). These accounts do not meet that standard. 
If any of these accounts involve unauthorized use of my information, I am also protected under FCRA 1681c-2, which allows consumers to request blocking of information resulting from identity theft. 
Impact on My Financial Situation Because these accounts continue to be reported inaccurately, I have experienced : Denials for credit Higher interest rates A reduction in my credit score Limited access to financial opportunities Stress and financial instability These ongoing inaccuracies are affecting my ability to move forward financially. 
What I Am Requesting I respectfully request that the CFPB assist by ensuring the following : A full reinvestigation of these accounts under FCRA 1681i.

Removal of any information that can not be properly verified. 
Correction of all inaccurate or incomplete information. 
Review of any potential unauthorized or fraudulent activity under FCRA 1681c-2. 
Thank you for your time and attention. I appreciate the CFPBs help in resolving this matter so that my credit file reflects accurate and verified 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
Consumer complaint received 2025-12-01 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:
To Whom It May Concern, I am submitting this personal statement to report issues with inaccurate and unverified information appearing on my credit file. The following accounts are being reported incorrectly : XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX I have disputed these accounts with the credit reporting agency, but they continue to appear without proper verification or documentation. 
Reasons for My Dispute The information reported for these accounts is inaccurate, inconsistent, and does not match my records. Some details appear to be incorrect, incomplete, or unauthorized. 
Despite my disputes, I have not received proper validation as required by the Fair Credit Reporting Act ( FCRA 1681i ), which requires credit bureaus to investigate disputed information. 
Additionally, credit bureaus are required to maintain maximum possible accuracy under FCRA 1681e ( b ). These accounts do not meet that standard. 
If any of these accounts involve unauthorized use of my information, I am also protected under FCRA 1681c-2, which allows consumers to request blocking of information resulting from identity theft. 
Impact on My Financial Situation Because these accounts continue to be reported inaccurately, I have experienced : Denials for credit Higher interest rates A reduction in my credit score Limited access to financial opportunities Stress and financial instability These ongoing inaccuracies are affecting my ability to move forward financially. 
What I Am Requesting I respectfully request that the CFPB assist by ensuring the following : A full reinvestigation of these accounts under FCRA 1681i.

Removal of any information that can not be properly verified. 
Correction of all inaccurate or incomplete information. 
Review of any potential unauthorized or fraudulent activity under FCRA 1681c-2. 
Thank you for your time and attention. I appreciate the CFPBs help in resolving this matter so that my credit file reflects accurate and verified information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been complaining that I have been asking for complete accuracy in the past. The bureau used my complaints to change the reporting. The law has states we should have inacccurate information removed. I keep complaining and all I get is changes and more inaccurate reports. I disputed a public bankruptcy record in XX/XX/year> that is over XXXX XXXX XXXX, has no active or associated accounts, and was not verified with supporting documentation. This is a violation of FCRA 611 and 607 ( b ).

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 2025-12-01 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:
This record was added in error and must be corrected.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Chime Financial Inc
State: GA

Complaint narrative:
Account transfers were duplicated in XX/XX/year> from checking to credit account. Payments were not reported which caused me to default on loans and XXXX XXXX to drop by XXXX points. Account was closed with positive balance and funds available held in secured payment account when all payments were made and should be in good standing with all debtors. Chime, XXXX and XXXX XXXX. My deposits were also tampered in XX/XX/year> checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My Capital One Savor card ( last XXXX digits : XXXX ) was placed on a fraud hold on XX/XX/year>. I immediately complied with all security protocols and submitted ALL required identity verification documents on XX/XX/year>. 
Despite full compliance, Capital One customer service is enforcing an unreasonable internal process, stating that my case has been placed in a queue and a resolution callback will take XXXX to XXXX business days. This unacceptable delay restricts my account access after I have already fulfilled all verification requirements. 
I demand that Capital One escalate this file immediately, bypass the standard queue, and remove the fraud hold, thereby restoring full access to my account, within XXXX hours of receiving this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by Santander Bank. They are reporting late payments for XXXX and XXXX on my auto loan account number XXXX. The account is currently paid and showing as current, but the historical late marks remain.

Under FCRA 623 ( a ) ( 2 ), furnishers must correct information that becomes inaccurate once an account is brought current. The continued reporting of these late payments is inaccurate and damaging my credit score.

I request a full investigation, verification of the late payments, or removal if proper documentation can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA, XXXX Subject : Formal Dispute for Inaccurate and Incomplete Credit Reporting To Whom It May Concern, This letter serves as a formal complaint and dispute against TransUnion for reporting inaccurate, incomplete, and unauthorized credit information on my consumer file.

I am disputing the erroneous items listed below that currently appear in my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am demanding that you provide written documentation of the procedures used to verify these accounts. If you are unable to verify their accuracy, they must be deleted immediately, as they are unlawfully damaging my credit and financial well-being.

Additionally, under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), I have a fundamental right to financial privacy. Section 1681 ( 4 ) of the FCRA further emphasizes the importance of maintaining maximum possible accuracy and protecting consumer credit information.

TransUnion is also in violation of 15 U.S.C. 1681b ( 2 ), as there exists no permissible purpose to maintain or furnish inaccurate information. The continued reporting of these accounts represents a direct violation of my privacy rights. 



Furthermore, under 18 U.S.C. 1028a, the misuse of personal information and identity theft constitute federal crimes. Any continued reporting of fraudulent or unauthorized information must cease immediately.

Lastly, 15 U.S.C. 1681c-2 requires credit reporting agencies to block all information resulting from identity theft. The presence of such items on my report is a direct violation of my rights as a consumer. 



Disputed Accounts 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 Violation : 15 U.S.C. 1681s-2 Terms and conditions were not clear and conspicuous, and no opt-out option was disclosed. Reporting constitutes unlawful transfer of private information.

Action Requested : DELETE FROM CREDIT REPORT.

Final Demands Provide written verification procedures for each disputed account.

Delete or block all inaccurate, unauthorized, or unverifiable information.

Send me an updated corrected credit report.

Cease all further unauthorized reporting in violation of federal law.

Failure to comply will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action for damages under 15 U.S.C. 616 & 617. 

Respectfully, 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 2025-12-01 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:
This account was created without approval and is invalid.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am not able to get my credit score or report from third party vendors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  or even on the Experian app this was even after paying for membership. I called Experian several times but was unsucessful speaking to a live agent. The A-I phone agent said my account was not locked or frozen. Per XXXX  XXXX agent Experian has has my account locked and they are unable to retrieve it. 
I was able to order a report in the mail through the automatic service but unable to get my score or utilize any electronic credit monitoring services.

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 2025-12-01 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: TX

Complaint narrative:
I am following up on my previous dispute regarding multiple accounts on my credit file that continue to report inaccurate, incomplete, or inconsistent information, misrepresenting my verified payment history and creating a misleading picture of my financial responsibility. Specifically, the XXXXXXXX XXXX account ( # XXXX * ) opened XX/XX/XXXX, with a balance of {$31000.00}, is reported as current with a last payment of XX/XX/XXXX, yet I am concerned that inadvertent late entries, reporting delays, or system errors may have introduced inaccuracies, as all payments were made on time and in full. The XXXX XXXXXXXX account ( XXXX XXXX XXXX XXXX XXXX XXXX ) opened XX/XX/XXXX, with a {$0.00} balance and last payment on XX/XX/XXXX, is reported as closed and current, and I am requesting confirmation that the closure, payment history, and status are accurately and completely reported. Additionally, my XXXX XXXX XXXX XXXX account ( # XXXX * * ) opened XX/XX/XXXX, with a {$0.00} balance and last payment on XX/XX/XXXX, is incorrectly reported with a 90-day late payment and has not been reported to Equifax, creating a significant omission. These reporting discrepancies violate FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), which require maximum possible accuracy and proper reporting of complete information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: GA

Complaint narrative:
I am submitting this follow-up complaint against Experian, Transunion regarding multiple inaccuracies on my credit report. My report contains incorrect addresses that I have never used, specifically [ list incorrect addresses ], which do not reflect my current or past residences. Additionally, there are unauthorized or inaccurate credit inquiries listed, including XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, that I did not initiate or authorize. These errors are negatively affecting my creditworthiness, and despite my previous attempts to dispute them directly with Experian and Transunion, they remain unresolved. I am seeking an investigation and correction of these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ), as they constitute false and misleading information on my credit report.

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 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
Had a XXXX time ach transfer sent to my account Monday, XX/XX/year>. This deposit was made before XXXX so. It should have been in my account at the very latest on Tuesday. Especially seeing Chime is the receiving bank and is a prepaid account and can't hold the deposits. I have called chime several times and get the run around however I did have XXXX agent tell me XXXX is holding my deposit. It is now Sunday almost a full week later. I have a feeling XXXX is holding it like agent said

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: WA

Complaint narrative:
Company Name : Paypal , Inc . 
I am filing a complaint regarding Paypal 's refusal to correct an unauthorized transaction in the amount of {$4200.00}. On XXXX, a payment of {$4200.00} was sent from my Paypal account to a person I do not know and did not authorize. I did not approve this transaction, I did not recognize the recipient, and I did not provide my consent. This transaction was made without my knowledge or permission. I have filed XXXX separate transaction claims with XXXX through the XXXX XXXX. Each time, PayPal closed my case stating that they found " no unauthorized activity ''. This is incorrect. I am the rightful account holder, and I did not authorize or initiate this payment. PayPal has failed to comply with its own User Agreement and with federal protections for unauthorized electronic transfers. I followed all required procedures, but PayPal has refused to provide a meaningful investigation or correct the fraudulent loss. I am requesting the CFPB 's help to require PayPal to : XXXX. Reopen and properly investigate the unauthorized {$4200.00} transaction. XXXX. Restore the funds to my account per federal law ( XXXX XXXX ). XXXX. Provide a written explanation of how PayPal concluded the transaction was authorized despite clear evidence to the contrary. This loss is significant, and XXXX refusal to correct it has caused financial harm. I am asking for immediate review and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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 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 non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
Subject : Request for Investigation FDCPA Violations ( 15 U.S.C. 1692g ) Consumer : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, Connecticut XXXX Debt Collectors Involved : XXXX XXXX Portfolio Recovery Associates XXXX XXXX XXXX XXXXXXXX XXXX XXXX To the Consumer Financial Protection Bureau, I, XXXX XXXX, am filing a complaint against the companies listed above for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, by failing to provide full and proper debt validation after being requested.

Violations The listed debt collectors have refused to provide : Full validation of the alleged debt A complete and detailed payment history A copy of the original signed contract or agreement Proof of any insurance claims made on the account A full chain of title showing legal ownership Verification from the original creditor Proof they are legally authorized to collect in my state These failures violate the FDCPA including but not limited to : 15 USC 1692g ( a ), 1692g ( b ), 1692e, 1692d, and 1692f.

What I Am Requesting I am asking the CFPB to require these collectors to : 1. Provide full legally compliant debt validation 2. Stop all collection activity until validation is provided 3. Remove any negative credit reporting linked to unvalidated debt 4. Comply with all FDCPA and consumer protection laws Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: MD

Complaint narrative:
Please remove these accounts as they violate my FCRA rights, Block these accounts and remove them from my report. FCRA 15 USC 1681c2 and forward me a copy of report with corrections have been made, I have been found to be a victim of identity theft. Please refer to letter included in upload. Enclosed is also a copy of my ID, and Proof of my address.

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