vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: MS

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 
I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by law.

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 2025-11-12 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: MI

Complaint narrative:
Subject : Inaccurate Reporting of XXXX  Account After Public Record Removal Statement : Equifax has permanently removed the XXXX  from my credit file, confirming that the record could not be verified. However, Experian and/or TransUnion continue to report accountsincluding XXXX XXXX XXXXXXXX and XXXXXXXX XXXX  XXXX through XXXX XXXX XXXX 

This is inaccurate and misleading because : XXXX. The XXXX  public record no longer exists on file. 
XXXX. No method of verification has been provided to confirm these accounts were lawfully discharged. 
XXXX. FCRA 607 ( b ) requires maximum possible accuracy, and FCRA 611 ( a ) ( 1 ) & ( a ) ( 5 ) ( A ) require deletion of unverifiable 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 non-monetary relief
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
I am writing to dispute the accuracy of the information listed below due to a data breach and potential unauthorized use of my personal information. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to conduct a prompt reinvestigation of any disputed information and delete or correct any item that can not be verified as accurate. 
Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/2022 Balance : {$590.00}

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 2025-11-12 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:
Despite consistently meeting all payment deadlines, this issue has caused undue stress and sleep disturbances. It's concerning to face repercussions for actions I haven't taken. I kindly request an immediate correction to my account to reflect accurate information and mitigate the stress caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
On XX/XX/year>, I sent a {$730.00} payment to seller XXXX XXXX through my PayPal account for merchandise that was never shipped. I canceled the transaction the same day, but it still processed. 

Heres what happened : XX/XX/XXXX : Payment to XXXX XXXX ( {$730.00} ) XX/XX/XXXX : Refund issued by PayPal + {$730.00} XX/XX/XXXX : Refund reversed {$730.00} XX/XX/XXXX : PayPal withdrew {$730.00} from my linked bank account labeled as a Recovery Amount. 

Since then, I have called PayPal multiple times, but each representative gives different or incorrect information. Calls often disconnect and no one has resolved the issue. One PayPal agent even told me to dispute the charge with my bank, which makes no sense because I value my PayPal account and have been a customer in good standing for over 13 years. 

I also emailed PayPals XXXX XXXX and XXXX Department on XX/XX/year>, with evidence and screenshots showing that the seller admitted they never shipped the merchandise and told me to dispute it through PayPal. 

PayPal has not refunded me or reopened the case, and the {$730.00} withdrawal has negatively affected my PayPal credit and account standing. 

I am requesting that PayPal : Refund the {$730.00} Recovery Amount. 
Manually review my case and listen to my recorded support calls. 
Remove any negative account or credit impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

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 2025-11-12 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: CA

Complaint narrative:
I am submitting this dispute to the Consumer Financial Protection Bureau regarding several inaccuracies on my credit reports across the three major credit bureaus TransUnion ( TU ). These accounts are being disputed based on inaccuracies related to charged-off accounts, inquiries, positive accounts, and late payments. Below are the details for each bureau. 

Charged-Off Accounts : XXXX CARD, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$64.00} Inquiries : XXXX  XXXX, Date : XX/XX/XXXX XXXX  XXXX, Date : XX/XX/XXXX Late Payments : XXXX, Account Number : XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has continued to report inaccurate and conflicting information regarding my XXXX  XXXX XXXX account ( ending in XXXX ). This account has already been disputed and reinvestigated multiple times, yet the reporting remains inconsistent and unverifiable. Specifically, Equifax previously marked the account as Deleted around XX/XX/year>, but it later reappeared on my credit report with different status details, dates, and balances that do not match prior records or information from the creditor. 

I have not received proper verification or documentation proving the accuracy of the data as required under the Fair Credit Reporting Act ( FCRA 611 ). This failure to maintain accurate records and to delete unverifiable information has caused significant harm to my credit reputation and score. Despite my prior requests and evidence provided, Equifax continues to report false information, demonstrating noncompliance with FCRA obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
As someone who consistently adheres to payment schedules, I was surprised to discover a late payment notation on my account. This appears to be an error, and I would appreciate your prompt attention to rectify it and update my records 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 non-monetary relief
Consumer complaint received 2025-11-12 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: CT

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: CT

Complaint narrative:
After reviewing my credit reports from Experian, Equifax, and TransUnion, I found numerous inaccurate, unverifiable, and misleading items that continue to be reported despite multiple prior disputes. These include charged-off accounts, duplicate collections, and unauthorized hard inquiries that have not been properly validated or verified by the furnishers. The accounts in question involve 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 

These furnishers have failed to provide lawful documentation such as signed contracts, ownership records, deficiency balance calculations, or billing statements that would validate these debts. For example, XXXX XXXX XXXX is reporting the same auto loan as both charged off and past due, which is contradictory and misleading under FCRA 607 ( b ). XXXX XXXX XXXX  continues to report a charge-off with an open balance despite no proof of billing history or settlement records. XXXX XXXX XXXX has re-aged delinquency data to extend the reporting period in violation of FCRA 605 ( a ). XXXX XXXX XXXX and XXXX XXXX XXXX are reporting unverifiable balances without documentation of ownership, assignment, or legal liability. 

Additionally, there are duplicate and conflicting collection entries being reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, which falsely inflate derogatory activity and violate FCRA 607 ( b ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are also continuing to report unvalidated collections without providing proof of ownership, account statements, or original creditor documentation, violating both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ). 

Lastly, there are unauthorized hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) that were not initiated or approved by me. These inquiries were made without permissible purpose under FCRA 604 ( a ) ( 2 ), and none of the companies have provided signed applications or written proof of consent.

Despite my previous disputes, the credit bureaus have continued to verify these items without conducting a proper reinvestigation or providing evidence from the furnishers. This failure to remove or validate inaccurate information is a violation of FCRA 611 ( a ) and constitutes willful noncompliance under FCRA XXXX. These false entries have caused significant harm to my creditworthiness, misrepresentation of my financial history, and undue emotional distress.

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 2025-11-12 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: CT

Complaint narrative:
After reviewing my credit reports from Experian, Equifax, and TransUnion, I found numerous inaccurate, unverifiable, and misleading items that continue to be reported despite multiple prior disputes. These include charged-off accounts, duplicate collections, and unauthorized hard inquiries that have not been properly validated or verified by the furnishers. The accounts in question involve 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 

These furnishers have failed to provide lawful documentation such as signed contracts, ownership records, deficiency balance calculations, or billing statements that would validate these debts. For example, XXXX XXXX XXXX is reporting the same auto loan as both charged off and past due, which is contradictory and misleading under FCRA 607 ( b ). XXXX XXXX XXXX  continues to report a charge-off with an open balance despite no proof of billing history or settlement records. XXXX XXXX XXXX has re-aged delinquency data to extend the reporting period in violation of FCRA 605 ( a ). XXXX XXXX XXXX and XXXX XXXX XXXX are reporting unverifiable balances without documentation of ownership, assignment, or legal liability. 

Additionally, there are duplicate and conflicting collection entries being reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, which falsely inflate derogatory activity and violate FCRA 607 ( b ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are also continuing to report unvalidated collections without providing proof of ownership, account statements, or original creditor documentation, violating both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ). 

Lastly, there are unauthorized hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) that were not initiated or approved by me. These inquiries were made without permissible purpose under FCRA 604 ( a ) ( 2 ), and none of the companies have provided signed applications or written proof of consent.

Despite my previous disputes, the credit bureaus have continued to verify these items without conducting a proper reinvestigation or providing evidence from the furnishers. This failure to remove or validate inaccurate information is a violation of FCRA 611 ( a ) and constitutes willful noncompliance under FCRA XXXX. These false entries have caused significant harm to my creditworthiness, misrepresentation of my financial history, and undue emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
Dear Sir/Madam, I am writing to dispute certain information on my credit report provided by Experian. Please review the following accounts that I believe are inaccurately reported : Charged Off Accounts : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5500.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} Late Payment Accounts : XXXX, Account Number : XXXX XXXX XXXX, 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 2025-11-12 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: 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, CHALLENGED OR NOT.

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 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX after months of trying to get {$2000.00} that the IRS placed into my cash app account that I created Cash Out gave me the balance which was {$1000.00} out of the account told me that they were going to close the account so that no more money would be sent to it and I would have to go through this again so I filed a dispute for the remainder of the money that was {$910.00} I won the dispute with XXXX XXXX XXXX and with cash app and cash app told me will be giving you the money on XX/XX/XXXX will they put the money into the fraudulently accessed account that is closed so now I can't get the money out of the closed account and it just doesn't make sense to me this is an absolute Ploy this isn't one of their techniques to be able to discourage their customers to the point where they just give up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: MS

Complaint narrative:
* * XXXX XXXX * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * * Date : * * XX/XX/XXXX * * To : * * * * Equifax Information Services, LLC * * XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * Experian * * XXXX XXXX XXXX XXXX XXXX XXXX  * * TransUnion LLC * * XXXX XXXX XXXX XXXX XXXX XXXX  -- - # # # * * Subject : * * Request for Deletion of Inaccurate Account XXXX XXXX * * Account Name : * * XXXX XXXX * * Partial Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : * * {$370.00} * * Date Opened : * * XX/XX/XXXX * * Date of Birth : * * [ Insert if needed ] -- - Dear Credit Bureau Representative, I am writing to formally dispute the accuracy and completeness of the XXXX XXXX collection account appearing on my credit report. Upon review, this account contains multiple factual errors and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ) and make this account unverifiable.

# # # * * Disputed Errors and Grounds for Deletion * * 1. * * Unverifiable Creditor ( FCRA 623 ( a ) ( 1 ) ( A ) ) * * The original creditor is listed as Unknown, which makes verification impossible. Any unverifiable information must be deleted.

2. * * Future Dates ( FCRA 611 ( a ) ( 1 ) ( A ) ) * * The account shows a * Start Date XX/XX/XXXX * and * Last Reported XX/XX/XXXX *, which are impossible future dates.

3. * * Contradictory Account Status ( FCRA 607 ( b ) ) * * The account is marked as both Closed and Collection/Chargeoff with no verified payment history, making the reporting inconsistent and misleading.

4. * * Failure to Verify ( FCRA 611 ( a ) ( 5 ) ) * * Without proper verification from the furnisher, this account must be deleted from my credit file within 15 days.

I request an * * immediate reinvestigation * * of this account and permanent deletion if it can not be fully verified. Please provide : * Written confirmation of your investigation results, * The name and contact details of the data furnisher, * Any documentation used to verify this account.

Thank you for your prompt attention to this matter. 

Sincerely, * * XXXX XXXX * * XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation