vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: OK

Complaint narrative:
b'I am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act (FCRA), Consumer Financial Protection Act (CFPA), and citing direct violations confirmed by the CFPBs XXXX XXXX lawsuit against EXPERIAN \n\n**I am a victim of malpractice and broken laws based on the XXXX lawsuit against EXPERIAN .**And Im also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under: - 15 U.S.C.  1681i  Failure to conduct a reasonable reinvestigation - 15 U.S.C.  1681i(a)(2)  Failure to forward all submitted documentation to furnishers - 15 U.S.C.  1681e(b)  Failure to maintain maximum possible accuracy - 15 U.S.C.  1681c-2  Failure to block fraudulent accounts upon identity theft report - 18 U.S.C.  1028  Identity Theft and Assumption Deterrence Act - FACTA  Fair and Accurate Credit Transactions Act of 2003 - Metro 2 Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or Experians data mishandling. \n\nAccounts Reported in Violation of Federal Law XXXX $ XXXX XXXX Failure to investigate identity theft (FCRA  1681c-2) XXXX XXXX  $ XXXX XXXX Failure to investigate identity theft (FCRA  1681c-2XXXX XXXX XXXX XXXX XXXX  $ XXXX XXXX Failure to investigate identity theft (FCRA  1681c-2) XXXX XXXX $ XXXX XXXX Failure to investigate identity theft (FCRA  1681c-2) XXXX XXXX $ XXXX XXXX Failure to investigate identity theft (FCRA  1681c-2) XXXX $ XXXX XXXXXXXX  Failure to investigate identity theft (FCRA  1681c-2) Accounts reinserted without MOV or consumer notice, Metro 2 violations (codes 30/31), FCRA  1681c-2 and  1681i(a)(2) violations Pattern of Misconduct  EXPERIAN  Lawsuit Reference This is not isolated. The CFPB filed suit against EXPERIAN in XXXX XXXX (Case 8:25-cv-00024) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims  the very same \nconduct Im reporting here. I am directly experiencing the same violations as outlined in that case'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX/DOFED Account number : XXXX Account name : XXXX/DOFED Account number : XXXX Account name : XXXX/DOFED Account number : XXXX Account name : XXXX/DOFED Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX/DOFED Account number : XXXX Account name : XXXX/DOFED Account number : XXXX Account name : XXXX/DOFED Account number : XXXX Account name : XXXX/DOFED Account number : XXXX Account name : XXXX/DOFED Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX/DOFED Account number : XXXX Account name : XXXX/DOFED Account number : XXXX Account name : XXXX/DOFED Account number : XXXX Account name : XXXX/DOFED Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX/DOFED Account number : XXXX Account name : XXXX/DOFED Account number : XXXX Account name : XXXX/DOFED Account number : XXXX Account name : XXXX/DOFED Account number : XXXX Account name : XXXX/DOFED Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : 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 2025-08-14 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: Early Warning Services, LLC
State: NY

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Early Warning Consumer ID : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Early Warning Consumer Reporting Agency, block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a checking account opened at XXXX  BANK I have NEVER opened or used the following account numbers : Bank : I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX BANK ( Open Date : XX/XX/XXXX ) Account # XXXX Routing # : XXXX Bank : XXXX  BANK XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: AR

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NC

Complaint narrative:
I am a victim of identity theft as defined under 15 U.S.C. 1681a ( q ). My personal information was fraudulently used to open and/or report accounts and inquiries that I did not authorize. I have provided the credit reporting agencies and furnishers with : A signed Affidavit of Identity Theft A valid FTC Identity Theft Report Proof of identity and address Despite this, the credit bureaus and furnishers have failed to block and delete the fraudulent items within 4 business days, as required under FCRA 1681c-2. They have also continued to publish and share my personal information without consent, which violates federal law.

Violations Alleged : FCRA 1681c-2 Failure to block identity theft-related information FCRA 1681e ( b ) Failure to maintain maximum possible accuracy FCRA 1681s-2 ( a ) Furnishing information with knowledge of inaccuracy GLBA 6802 Unauthorized sharing of personal financial information 15 U.S.C. 45 ( a ) Unfair and deceptive practices 5 U.S.C. 552a ( b ) Privacy Act violations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
This is my third CFPB complaint about the same {$620.00} PayPal Credit payment. My prior two complaints were against XXXX Bank ( the issuer ). XXXX has now confirmed they can not locate the funds and that I must contact PayPal directly. Despite multiple calls, documentation submissions, and almost two years of effort, PayPal has failed to locate, refund, or apply the payment and the money has disappeared. 

Details : In XX/XX/year>, I made a {$620.00} payment via my XXXX debit card ending in XXXX, intending to pay off my PayPal Credit account in full. 
XXXX admits the funds were received but claims they were added to my PayPal balance instead of applied to my PayPal Credit account. 
The funds never appeared in my available PayPal balance for me to use, meaning they vanished within PayPals systems.

Initially, my PayPal Credit balance reflected the payment, but then the credit was reversed. Since then, Ive been billed repeatedly, and the account has now ballooned to over {$1300.00} with fees.

I have proof of payment from my bank and documentation showing XXXX  acknowledgment that the money was processed through PayPal.

PayPal has not provided any proof of where the funds went, nor have they corrected my account or refunded the money.

Impact : I am being charged twice for the same debt.

My credit has been damaged by negative reporting and collections.

I have wasted nearly two years attempting to fix a PayPal system error that should have been resolved immediately.

Requested Resolution : 1. Locate the {$620.00} and apply it to my PayPal Credit acc
ount, OR refund the full amount to my original payment method.

2. Remove all fees and correct my account to reflect a {$0.00} balance.

3. Remove any negative credit reporting and stop all collection activity.

I have full documentation from both PayPal and XXXX confirming this payment was processed through PayPal but not applied to my account or available balance. I am requesting immediate CFPB intervention to resolve this for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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 am submitting this dispute to address accounts in my credit history that are not mine and may have been fraudulently established. Please investigate and remove them accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NY

Complaint narrative:
company violated my rights by reporting I owed an amount to Creditor XXXX the double reported on my account and its still on my account as owing XXXX and owing XXXX XXXX XXXX see attached XXXX  credit report Duplicate or Reinserted Collection Account Without Proper Notice The collection agency has either reinserted a previously removed collection account or reported a duplicate entry of an account that already exists on my credit file. According to 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), if a previously removed item is reinserted, the credit bureau must notify me in writing within 5 business days. I have received no such notification, meaning this reinsertion is both improper and unlawful.

Deceptive and Misleading Reporting Practices Reporting the same debt multiple times ( either through different collection agencies or using slightly altered account numbers ) is a tactic known as re-aging or double reporting, which is misleading and damages my credit unfairly. This practice violates 15 U.S. Code 1692e ( 8 ), which prohibits furnishing false or misleading credit information.

Failure to Validate Debt Upon Demand If the collection agency has failed to provide complete and verifiable validation of the debt after my request ( as required by 15 U.S. Code 1692g ), then their continued reporting constitutes continued collection activity without proper validation, which is illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NY

Complaint narrative:
company violated my rights by reporting I owed an amount to Creditor XXXX the double reported on my account and its still on my account as owing XXXX and owing XXXX  XXXX XXXX see attached XXXX  credit report Duplicate or Reinserted Collection Account Without Proper Notice The collection agency has either reinserted a previously removed collection account or reported a duplicate entry of an account that already exists on my credit file. According to 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), if a previously removed item is reinserted, the credit bureau must notify me in writing within 5 business days. I have received no such notification, meaning this reinsertion is both improper and unlawful.

Deceptive and Misleading Reporting Practices Reporting the same debt multiple times ( either through different collection agencies or using slightly altered account numbers ) is a tactic known as re-aging or double reporting, which is misleading and damages my credit unfairly. This practice violates 15 U.S. Code 1692e ( 8 ), which prohibits furnishing false or misleading credit information.

Failure to Validate Debt Upon Demand If the collection agency has failed to provide complete and verifiable validation of the debt after my request ( as required by 15 U.S. Code 1692g ), then their continued reporting constitutes continued collection activity without proper validation, which is illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I recently submit a dispute to TransUnion  and Equifax with all the required documents including drivers license and proof of address, but TransUnion denied investigation on my dispute using stall tactics or classified as '' frivolous " or " irrelevant ".

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
XX/XX/year> XXXX fraudulent charges against my card was made. XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX. I called same afternoon when I saw the notifications and told them about the charges and that I did not make them I had my card frozen and canceled out and ordered a new card The one charge to XXXX was still pending and I told them that they did not stop payment on it they let it go through she went ahead and opened a dispute on the {$440.00} charge but said we would have to wait to dispute the {$230.00} charge after it went through I have filed six disputes on each charge everyone being denied I can not talk to anyone higher up than the dispute Center to get anything done about this I've had numerous conversations with the merchants and chime with no resolution I need some help please.

Company response to consumer: Closed with explanation