vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: IL

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 XXXX, 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. XXXX ( a ) ( XXXX ) ( 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. CXX/XX/XXXXe XXXXb 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. CXX/XX/XXXXeXX/XX/XXXXXXXX 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 XXXX business days after the date of receipt. 

15 U.S. CXX/XX/XXXXde XXXX SectionXX/XX/XXXX ( 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 ( XX/XX/XXXX ), 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 2025-11-21 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

Complaint narrative:
My PayPal account was permanently limited and I was told in writing by multiple PayPal representatives that after 120 days, the remaining balance ( {$360.00} ) would be released to me. The 120 days have now passed, and before release PayPal suddenly set my balance to {$0.00} and deducted the entire amount under PayPal loss recovery.

PayPal is refusing to provide a transaction-level breakdown, ledger details, or proof of what losses this amount is covering. All chargeback and dispute fees were already previously deducted from earlier balance. No new disputes or chargebacks occurred after the remaining {$360.00} was held.

PayPal can not legally deduct held funds without providing a complete financial calculation and justification. I am requesting : A complete transaction-level breakdown of deductions Reversal of funds if deductions are unjustified I need regulatory assistance because PayPal support is refusing to escalate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-21 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: TN

Complaint narrative:
I am submitting this complaint due to several discrepancies identified across my credit reports from Experian, Equifax, and TransUnion, which misrepresent my personal information, account statuses, and credit activity in violation of the Fair Credit Reporting Act ( FCRA ). These errors include incorrect addresses listed on all three credit bureausExperian reports 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 ; and TransUnion reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnone of which are associated with me. Under FCRA 607 ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the accuracy of information, and FCRA 605 ( a ) mandates the removal of outdated or irrelevant addresses. Additionally, a charged-off account from XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX with a balance of {$60.00}, is incorrectly listed and does not reflect my payment history. This violates FCRA 623 ( a ) ( 2 ), which requires furnishers to ensure the accuracy and completeness of the information they report. I request that this account be removed from my report, and XXXX inquiry on XX/XX/year>, which does not belong to me, should be investigated and removed in accordance with FCRA 604 ( a ) ( XXXX ), as it does not meet permissible purpose criteria. On my Equifax report, XXXX XXXX XXXX is listed with the same incorrect balance of {$60.00}, and I request an immediate correction as per FCRA 623 ( a ) ( 5 ), which obligates furnishers to update account information. Furthermore, a collection account from XXXX with the number XXXX XXXX and a balance of {$240.00} has been reported, but this account does not belong to me, and I request it be removed after investigation. On my TransUnion credit report, XXXX is reported with a balance of {$900.00}, which I do not owe, violating FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ), which require accurate reporting and maintenance of reasonable procedures to ensure data accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: TN

Complaint narrative:
I am submitting this complaint due to several discrepancies identified across my credit reports from Experian, Equifax, and TransUnion, which misrepresent my personal information, account statuses, and credit activity in violation of the Fair Credit Reporting Act ( FCRA ). These errors include incorrect addresses listed on all three credit bureausExperian reports 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 ; and TransUnion reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnone of which are associated with me. Under FCRA 607 ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the accuracy of information, and FCRA 605 ( a ) mandates the removal of outdated or irrelevant addresses. Additionally, a charged-off account from XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX with a balance of {$60.00}, is incorrectly listed and does not reflect my payment history. This violates FCRA 623 ( a ) ( 2 ), which requires furnishers to ensure the accuracy and completeness of the information they report. I request that this account be removed from my report, and XXXX inquiry on XX/XX/year>, which does not belong to me, should be investigated and removed in accordance with FCRA 604 ( a ) ( XXXX ), as it does not meet permissible purpose criteria. On my Equifax report, XXXX XXXX XXXX is listed with the same incorrect balance of {$60.00}, and I request an immediate correction as per FCRA 623 ( a ) ( 5 ), which obligates furnishers to update account information. Furthermore, a collection account from XXXX with the number XXXX XXXX and a balance of {$240.00} has been reported, but this account does not belong to me, and I request it be removed after investigation. On my TransUnion credit report, XXXX is reported with a balance of {$900.00}, which I do not owe, violating FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ), which require accurate reporting and maintenance of reasonable procedures to ensure data accuracy.

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 2025-11-21 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: AZ

Complaint narrative:
Re : Formal Dispute of Charge-Off - XXXX  XXXX Account : Account XXXX Amount : {$470.00} Re : Formal Dispute of Charge-Off - XXXX XXXX  Account : Account XXXX |Amount : {$2100.00} Re : Formal Dispute of Charge-Off - XXXX XXXX XXXX Account : Account XXXX Amount : {$2500.00} Re : Formal Dispute of Collection - XXXX XXXX XXXX Account : Account XXXX Amount : {$2500.00} Re : Formal Dispute of Charge-Off - XXXX XXXX  Account : Account XXXX Amount : {$930.00} This letter serves as a formal dispute under my rights granted by the Fair Credit Reporting Act ( FCRA ). 
The above-referenced account is being reported with inaccurate, incomplete, and/or unverifiable information, which is a violation of : FCRA 602 Maximum possible accuracy standard FCRA 607 ( b ) Duty to assure accuracy FCRA 609 ( a ) ( 1 ) Requirement to supply documentation upon request FCRA 611 ( a ) ( 1 ) ( A ) Mandated reinvestigation duty FCRA 623 ( a ) ( 1 ) ( A ) Prohibition of furnishing inaccurate information You are required to provide : All documentation containing my signature ; A complete Method of Verification under FCRA 611 ( a ) ( 7 ) ; Proof of permissible purpose under 15 U.S.C. 1681b.

Failure to validate this account requires its immediate and permanent deletion.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My credit report contains multiple inaccuracies, including an incorrect address, name, and date of birth, as well as inaccurate accounts that should be removed. In addition, a negative account is being reported that I have already disputed. These errors violate the FCRAs requirement for furnishers and bureaus to ensure maximum possible accuracy. Because of these mistakes, my report is misleading and has negatively impacted my credit standing and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I applied for a Capital One credit card and was denied due to activity on a prior account from nearly 10 years ago. Since then, Ive rebuilt my credit profile, maintain a strong score, and have no outstanding balances, collections, or charge-offs with Capital One or any other creditor. I also hold both a checking and savings account with Capital One, which I manage responsibly. 

Under the Equal Credit Opportunity Act ( ECOA ), creditors are required to provide a specific reason for denying credit. While Capital One cited prior account activity, I believe this decision does not reflect my current financial standing and may conflict with the intent of ECOA, which is to ensure fair access to credit. Ive contacted Capital Ones executive resolution team but have not received a response, and I respectfully request a formal review of this denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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 submitting this formal notice under the Fair Credit Reporting Act 15 U.S.C. 1681c-2 FCRA 605B and 623 as a verified victim of identity theft. I have submitted documentation and supporting evidence including my FTC Identity Theft Report regarding fraudulent accounts that were opened without my knowledge or consent. Despite prior submissions these accounts or their related information continue to appear or remain unblocked in my file. 

The following fraudulent accounts must be permanently blocked and deleted from my credit file and any future reinsertion of this or related accounts must be automatically prevented per FCRA 605B ( c ) ( 1 ) and 623 ( a ) ( 6 ) ( B ) FRAUDULENT ACCOUNTS XXXX XXXX  Account No. XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXXXXXX Account No. XXXX Date Opened XX/XX/XXXX FRAUDULENT HARD INQUIRIES XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX These accounts and inquiries were opened or initiated by unknown parties using my stolen identity as confirmed in my FTC Identity Theft Report. I never authorized or consented to any application or extension of credit connected to these accounts or inquiries. 

I demand that under FCRA 605B ( b ) you Permanently block all information related to the fraudulent accounts and inquiries listed above Delete all existing records inquiries or derivative data connected to these accounts Ensure future suppression preventing any of these or related accounts or inquiries from reappearing in my credit report Provide written confirmation of the completed block and deletion within the statutory 4 business days of receipt of this notice Notify all furnishers involved that this information has been identified as fraudulent and must not be re-reported under FCRA 623 ( a ) ( 6 ) ( B ) This request also extends to any fraudulent accounts or information not currently visible in my credit file but mentioned in my FTC Identity Theft Report. Those must be preemptively blocked to prevent appearance or reinsertion.

Failure to comply constitutes a willful violation under FCRA 605B ( d ) and 623 ( a ) ( 6 ) and may result in statutory damages attorney fees and civil liability under 15 U.S.C. 1681n and 1681o. 

Please confirm in writing that all fraudulent information related to these accounts and inquiries has been permanently deleted and blocked from future 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 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I made a pre payment for the monthly dues, however, it was declined by the bank as I tried a new account for the payment. The credit card ( SAMS club ) /Synchrony bank charged me {$29.00} for the failed transaction. I tried to file a dispute and they are unable process it online and even through customer care. Could you please suggest the next steps that I can take in regards of it? Thanks

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 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased a prepaid travel package from XXXX XXXX XXXX  for {$140.00}. The offer required attendance at a timeshare presentation, which I agreed to. After purchase, I was informed verbally that I was not eligible to redeem the package unless I met additional requirements ( employment status ) that were not disclosed at the time of purchase. 

Because of these undisclosed conditions, I was unable to use the service and never received the hotel stay or any portion of the package. When I expressed concern about eligibility before the refund window expired, I was discouraged from canceling and advised to keep the reservation in case my situation changed, which resulted in the refund period passing. 

On XX/XX/year>, I contacted Chase to dispute the charge under services not received/misrepresentation. The dispute was closed without full review because the charge was older than 120 days, despite Regulation Z requiring a reasonable investigation for billing errors involving services not received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/year> - BALANCE : {$9900.00}

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 2025-11-21 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: MI

Complaint narrative:
My credit report contains multiple inaccuracies, including an incorrect address, name, and date of birth, as well as inaccurate accounts that should be removed. In addition, a negative account is being reported that I have already disputed. These errors violate the FCRAs requirement for furnishers and bureaus to ensure maximum possible accuracy. Because of these mistakes, my report is misleading and has negatively impacted my credit standing and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The nature of my complaint is that these companies are engaged in practices that abuse consumers, including myself : violating my rights under the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 1640 ( f ) ( 2 ), which limits consumer liability for unauthorized use of a credit card including driver license. Debt Collectors are attempting to collect on debts that are old, inaccurate, or that have been previously written off and sold by the original creditor, a practice that can be deceptive. These practices violate Section 5 of the FTC Act, which prohibits unfair or deceptive acts or practices. I am providing this information to urge the FTC to investigate this entire ecosystem that profits from inaccurate data and causes significant harm to consumers. 1. Inaccurate Information : My credit file contains information about debts that are inaccurate. These debts were allegedly charged off and sold by the original creditor, yet they continue to be reported as collectible obligations by third party debt buyers. 2. Failure to Investigate : I have disputed these inaccurate items with the credit bureaus, yet they have failed to conduct a reasonable investigation and have continued to report this erroneous information. 3. Data Sale Without Consent : The credit reporting agencies facilitate the sale of my financial data to third-party debt buyers without my explicit consent. I am never informed of these transactions before they appear on my credit profile, violating my right to privacy and accuracy. 4. Collection Attempts on Invalid Debt : Debt collectors are attempting to collect on debts that have likely been written off and for which the statute of limitations may have expired. This activity violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Alleged Violations Include : FCRA 605B ( 15 U.S. Code 1681c-2 ) : Failure to block fraudulent information upon request. 15 U.S. Code 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy. 15 U.S. Code 1681 ( a ) ( 2 ) : Improper use and dissemination of consumer credit information. 15 U.S. Code 1666b and 12 CFR 1026.13 : Violations related to billing error resolution procedures. 15 U.S. Code 1692c and 1692g : Violations under the Fair Debt Collection Practices Act ( FDCPA ) regarding communication and validation of debt. 15 U.S. Code 1681 ( 2 ) ( xi ) : Improper reporting of charged-off accounts without proper documentation. Florida Statutes XXXX XXXX, Article 9 of the Uniform Commercial Code : Violations concerning secured transactions and consumer protections under Florida 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