vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint because Equifax has failed to remove inaccurate and unauthorized personal information from my credit file, despite multiple written disputes and the submission of supporting documentation. 

The following addresses do not belong to me and must be removed immediately : XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Additionally, Equifax is incorrectly reporting a name that is not mine : Reported Name in Error : XXXX XXXX My Legal Name : XXXX XXXX I have mailed Equifax my government-issued ID and proof of my current address on multiple occasions over the past few months. However, these incorrect addresses and false name are still showing on my credit report. This is causing confusion, potential misattribution of negative accounts, and is a clear violation of the XXXX XXXX XXXX XXXXt ( XXXX ). 

My only correct and current personal information is : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NY XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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 formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX XXXX XXXX  XXXX BALANCED : {$15000.00} DATE OPEN : XX/XX/XXXX XXXX XXXX  XXXX BALANCED {$680.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX BALANCED {$180.00} DATE OPEN : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$140.00} DATE OPEN : XX/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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-14 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: AR

Complaint narrative:
On XX/XX/2024 Paypal permanently limited my account and said that after 180 days, I will be able to access my funds to withdraw them, it has now been 221 days and they keep telling me to wait for an email, that I have yet to receive. I will like for me to be able to access my money, I was evicted because my granddad sent me the money to pay my rent and they locked it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I

am writing to formally dispute this collection account listed under my name and to notify you that my personally identifiable information ( PII ) was used without my knowledge or authorization. I did not open, authorize, or agree to any debt with your collection company, nor with the original creditor you represent. I have reason to believe that my personal information was obtained through a data breach, and used fraudulently to open or associate this account in my name. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B [ 15 U.S.C. 1681c-2 ], I am exercising my right to request that any fraudulent information resulting from identity theft be blocked and removed from my credit file. With this complaint, I will attach proof of XXXX  data breach and my personal information including my social security and other private information that was spotted on numerous dark webs and has been exposed and is being used without my permission. A Identity theft affidavit will be attached to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because my credit report contains late payments reported that I believe are inaccurate and/or unverifiable under the Fair Credit Reporting Act ( FCRA ), specifically under 1681s-2 and 1681i. 
XXXX XXXX XXXX XXXXXXXX * * * Balance : {$0.00} XXXX  XXXX * * * * * Balance : {$2700.00} XXXX XXXXXXXX * Balance Owed : {$1200.00XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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 filing this complaint because my credit report contains late payments reported that I believe are inaccurate and/or unverifiable under the Fair Credit Reporting Act ( FCRA ), specifically under 1681s-2 and 1681i. 
XXXX XXXX XXXX XXXXXXXX * * * Balance : {$0.00} XXXX  XXXX * * * * * Balance : {$2700.00} XXXX XXXXXXXX * Balance Owed : {$1200.00XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have been trying to dispute several fraudulent accounts on my credit report. XXXX, experian, and equifax credit karma, credit sesame, kikoff, self has not removed the following information yet. i have been trying over XXXX to get it handled.

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 2025-07-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I applied for XXXX  this year and needed housing. The company done a soft inquiry and stated I was denied due to all the items on my credit report. Which I knew was incorrect since I have never obtained anything on my credit accept for a XXXX XXXX Account which is a joint account from my father. I am in need of these items to be removed immediately so I am able to obtain housing. After careful review of credit report it showed addresses that I have never lived. I am listing the accounts and inquiries that are listed on my report. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Creditor Name : Inquiry Date : XX/XX/year>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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: SC

Complaint narrative:
Im submitting a formal dispute against XXXX XXXX XXXX  regarding inaccurate credit reporting for XXXX, XXXX, XXXX, and XX/XX/year>. Im an XXXX XXXX XXXX XXXX XXXX 

My XXXX payment of {$1400.00} was successfully posted on XX/XX/XXXX via ACH withdrawal ( XXXX ). Despite this, XXXX XXXXXXXX XXXX XXXXXXXX reported a delinquency on XX/XX/XXXX, resulting in a XXXX credit score drop, confirmed by XXXX XXXX XXXX 

On XX/XX/year>, I spoke with XXXX agents multiple times. My phone logs show extended calls, during which I provided the correct XXXX account ending in XXXX. Despite this, attached letters from XXXX show payments rejected due to invalid account info or unauthorized debit claims, totaling {$3400.00} and {$3000.00}. 
These errors were caused by agent oversight, not consumer neglect. Yet Im now required to remit future payments via certified funds, despite following proper account update steps. 

The issue is further compounded by repeated references to past COVID forbearance, which was fully paid and resolved. This dispute is about post-forbearance actions and must be evaluated on its merit.

I request an independent review of this dispute, confirmation of valid payment for XX/XX/year>, how and when the payment was processed, to include investigation of call between the agent and myself that reveals that during the payment confirmation process that I verified the correct account number to paid from after she verified the wrong about number I invoke my rights under the FCRA, SCRA, and CFPB policy and request : Validation of XXXX payment Investigation of agent interaction and returned payments Correction or removal of affected credit entries Documents uploaded include my XXXX statement, XXXX XXXX XXXX XXXX, returned payment letters, and phone call logs. I respectfully request resolution within 15 business days.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Im submitting a formal dispute against XXXX XXXX Bank regarding inaccurate credit reporting for XXXX, XXXX, XXXX, and XX/XX/year>. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

My XXXX payment of {$1400.00} was successfully posted on XX/XX/XXXX via ACH withdrawal ( XXXX ). Despite this, XXXX XXXXXXXX XXXX XXXXXXXX reported a delinquency on XX/XX/XXXX, resulting in a XXXX credit score drop, confirmed by XXXX XXXX XXXX 

On XX/XX/year>, I spoke with XXXX agents multiple times. My phone logs show extended calls, during which I provided the correct XXXX account ending in XXXX. Despite this, attached letters from XXXX show payments rejected due to invalid account info or unauthorized debit claims, totaling {$3400.00} and {$3000.00}. 
These errors were caused by agent oversight, not consumer neglect. Yet Im now required to remit future payments via certified funds, despite following proper account update steps.

The issue is further compounded by repeated references to past COVID forbearance, which was fully paid and resolved. This dispute is about post-forbearance actions and must be evaluated on its merit.

I request an independent review of this dispute, confirmation of valid payment for XX/XX/year>, how and when the payment was processed, to include investigation of call between the agent and myself that reveals that during the payment confirmation process that I verified the correct account number to paid from after she verified the wrong about number I invoke my rights under the FCRA, SCRA, and CFPB policy and request : Validation of XXXX payment Investigation of agent interaction and returned payments Correction or removal of affected credit entries Documents uploaded include my XXXX statement, XXXX XXXX XXXX XXXX, returned payment letters, and phone call logs. I respectfully request resolution within 15 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: SC

Complaint narrative:
Im submitting a formal dispute against XXXX XXXXXXXX XXXX regarding inaccurate credit reporting for XXXX, XXXX, XXXX, and XX/XX/2024. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

My XXXX payment of {$1400.00} was successfully posted on XX/XX/XXXX via ACH withdrawal ( XXXX ). Despite this, XXXX XXXX XXXX XXXXXXXX reported a delinquency on XX/XX/XXXX, resulting in a XXXX credit score drop, confirmed by XXXX XXXX XXXX 

On XX/XX/2024, I spoke with XXXX agents multiple times. My phone logs show extended calls, during which I provided the correct XXXX account ending in XXXX. Despite this, attached letters from XXXX show payments rejected due to invalid account info or unauthorized debit claims, totaling {$3400.00} and {$3000.00}. 
These errors were caused by agent oversight, not consumer neglect. Yet Im now required to remit future payments via certified funds, despite following proper account update steps. 

The issue is further compounded by repeated references to past XXXX forbearance, which was fully paid and resolved. This dispute is about post-forbearance actions and must be evaluated on its merit. 

I request an independent review of this dispute, confirmation of valid payment for XX/XX/2024, how and when the payment was processed, to include investigation of call between the agent and myself that reveals that during the payment confirmation process that I verified the correct account number to paid from after she verified the wrong about number I invoke my rights under the FCRA, SCRA, and CFPB policy and request : Validation of XXXX payment Investigation of agent interaction and returned payments Correction or removal of affected credit entries Documents uploaded include my XXXX statement, XXXX XXXX XXXX XXXX, returned payment letters, and phone call logs. I respectfully request resolution within 15 business days.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently I looked at my credit report and noticed several inaccuracies on my account. This account creating issues as it relates to obtaining credit. It is my understanding you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate 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 2025-07-14 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: FL

Complaint narrative:
Recently I looked at my credit report and noticed several inaccuracies on my account. This account creating issues as it relates to obtaining credit. It is my understanding you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
Recently I looked at my credit report and noticed several inaccuracies on my account. This account creating issues as it relates to obtaining credit. It is my understanding you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate 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 2025-07-14 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my 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 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AE

Complaint narrative:
I am disputing a collections account reported by XXXX that is not mine. The account was opened in my name for someone else and previously removed from my XXXX  and XXXX reports after a dispute. XXXX  has reinserted it without providing new documentation or proper validation. This is severely impacting my credit score and is unfair. I was not the user of this account and request its removal under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-14 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX SSN ( last 4 ) : XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion / Equifax / XXXX XXXX XXXX : Final Dispute Unverified Account Still Reporting ( Account # XXXX  ) To Whom It May Concern, This is a formal and final dispute notice regarding the continued reporting of an account allegedly associated with XXXX XXXX, account # XXXX I initially submitted my dispute and debt validation request in XX/XX/XXXXXXXX  and have received no adequate response, no supporting documentation, and no legal verification of this debt. 

As required under : FCRA 15 U.S.C. 1681i You must reinvestigate and delete any unverifiable information FDCPA 15 U.S.C. 1692g ( b ) You must cease collection activity and validate upon request FCRA 1681s-2 ( b ) Data furnishers must correct or delete inaccurate information after notice from a consumer You have failed to comply. It has now been over 30 days since my initial request. The continued reporting of this unverified account is causing damage to my credit profile and is considered a willful violation of my consumer rights.

I am now demanding : 1. Immediate deletion of this account from all consumer reporting agencies 2. A full method of verification, including original documentation, if you intend to continue reporting 3. Written confirmation that this dispute has been resolved If this matter is not addressed within 7 business days, I will be filing formal complaints with the : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Georgia Attorney Generals Office I am also prepared to consult legal counsel for damages under FCRA 1681n and 1681o for willful and negligent noncompliance. 

You are now on legal notice. 

Sincerely, 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