vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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: NV

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 explanation
Consumer complaint received 2025-11-15 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: NV

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 2025-11-15 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-11-15 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: AZ

Complaint narrative:
A bankruptcy is reporting on my credit file that I did not file. I never signed any court documents, never submitted a bankruptcy petition, and never received any notices from the court. 

I disputed this with the credit bureau and requested : the original petition with my signature direct verification from the courthouse documentation proving I filed this case The bureau was unable to provide any documents directly from the court. Bankruptcy courts do not furnish information to credit reporting agencies, meaning the bureau is reporting unverifiable third-party information.

Under FCRA 611, unverifiable public records must be deleted. I am requesting CFPB assistance to remove this inaccurate bankruptcy from my credit file

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 2025-11-15 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: AR

Complaint narrative:
I do not own this account, and it is showing up on my report incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: GA

Complaint narrative:
I am filling to formally request, under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), that you block and remove fraudulent information from my credit file. The following accounts do not belong to me and appear to be the result of identity theft or inaccurate reporting. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$250.00} Date Opened : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} Date Opened : XX/XX/year> I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$250.00} Date Opened : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} Date Opened : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this 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 non-monetary relief
Consumer complaint received 2025-11-15 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: MD

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 XXXX 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 2025-11-15 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: MD

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 XXXX 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 2025-11-15 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: OH

Complaint narrative:
My name is XXXX XXXX, and I am writing this statement to provide essential context regarding the fraudulent activity appearing on my credit and consumer reports. This activity is not simply a financial oversight ; it is a direct consequence of identity theft resulting from the large-scale data breach at Equifax responsible for the breach.This consumer credit reporting agency. 
The impact of this security failure has not only caused significant financial injury but has fundamentally derailed my ability to pursue basic life goals, making it exceptionally difficult to move forward. 
The fraudulent accounts, inquiries, and collections placed on my record due to this identity theft have created a devastating cycle of failure in my attempts to establish stability.I have been denied rental applications and mortgage pre-approvals on separate occasions over the last years. Landlords and lenders cite the severe derogatory marks on my consumer report, specifically pointing to the fraudulent accounts like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am currently forced to live with family the inability to secure stable, long-term housing due to errors that are not mine is a constant, suffocating stressor.The required background and credit checks for positions such as XXXX  for XXXX basic resulted in job offers being rescinded or applications being rejected. My professional advancement has been stagnated, purely because my consumer report suggests a level of financial instability that is entirely fabricated by criminal activity.Beyond the financial damages, the time and emotional energy spent fighting this fraud has been overwhelming. I have spent approximately hours over the last XXXX  months.This ongoing administrative burden has severely impacted my mental health and my ability to focus on work and personal well-being. I feel perpetually stuck, exhausting all my resources just to prove who I am not, rather than being able to focus on my future. 
I urge you to consider the profound personal distress and hardship caused by the negligent handling of my data. This is not a clerical error ; this is an issue of identity fraud that has imposed a near-impossible barrier to me leading a stable, independent life. 
I demand swift and comprehensive action to fully resolve these fraudulent entries, consistent with the requirements of the Fair Credit Reporting Act ( FCRA ). 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently checking my credit report I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries that i've found : XXXX XXXX XXXX XXXX XXXX. Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.

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 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
On XX/XX/year>, I made a routine retail merchandise purchase from XXXX, an online marketplace that sells consumer goods totaling to {$26.00}. This was a standard e-commerce transaction using XXXX as the payment method of purchase during check-out ; it was not a cash withdrawal, money transfer, or cash-equivalent purchase. Despite this, Capital One processed the transaction using a merchant category code ( MCC ) that triggered a cash advance classification, and on XX/XX/year>, they charged me a {$3.00} cash advance fee. 
This is incorrect because a purchase of physical merchandise on XXXX is not a cash advance under XXXX rules . It is not a money transfer, not a purchase of cash-like instruments, and not a convenience check or ATM transaction. This appears to be a case of incorrect MCC coding or misclassification by Capital One. 
I contacted Capital One customer service. The representatives and supervisor acknowledged that the system coded the transaction as a cash advance, but they repeatedly stated that the system would not allow them to reverse the fee, even after I explained this was not a courtesy waiver request but a correction of an incorrectly classified transaction. They mentioned the fault was on my behalf for using XXXX, even though I was not wiring anyone money using XXXX 's " Goods and Services '' or " Friends and Family '' service, I was using it a payment method on an online website, as any other person would do when shopping online at XXXX, XXXX, or XXXX. I simply bought a physical good online on a popular shopping website, and the transaction was mis-coded as a wire transfer/cash advance. 
This appears to be part of a long-standing, well-documented issue in which Capital One routinely misclassifies XXXX purchases as cash advances, numerous consumers have reported the same problem across multiple online forums, yet Capital One has not implemented any corrections.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-15 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: AR

Complaint narrative:
I do not own this account, and it is showing up on my report incorrectly.

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 2025-11-15 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: AR

Complaint narrative:
I do not own this account, and it is showing up on my report incorrectly.

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 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Complaint to CFPB PayPal Issue Company : PayPal , Inc . 
Type of Service : Digital Wallet / Online Payment Account Description of the Problem : Hello, I am filing a complaint regarding a serious issue with my new PayPal account. The account was linked to my XXXX account, and XXXX transactions were successfully received : {$83.00} in XXXX transaction and {$1300.00} in another. 
After that, PayPal requested multiple documents, including personal identification and bank statements, which I submitted correctly. 
Following the submission, my account was suspended for 180 days. Before the suspension period ended, I received a message from PayPal regarding additional procedures, and subsequently, all funds in my account were deducted without prior notice or any opportunity to appeal within the app. 
I am unable to access my funds, and there is no option to appeal within the PayPal application. 
I request CFPB intervention to investigate this unauthorized deduction and to ensure my funds are restored immediately. 
I have all transaction records and communication screenshots ready and can provide them if requested. 

Actions Taken : Submitted all requested documents to PayPal. 
Attempted to contact PayPal support but could not file an appeal. 

Amount at Stake : All funds in my PayPal account after the deduction

Company response to consumer: Closed with explanation