vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
To Whom It May Concern, I am requesting the removal of the following inaccurate or outdated addresses from my credit file. These addresses are not current and should not be associated with my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Please update my personal information and delete these addresses from my TransUnion/Experian/Equifax file . 

My current and only correct address is : XXXX XXXX XXXX XXXX XXXX, GA XXXX Name : XXXX XXXX XXXX XXXX : ( your DOB ) Last XXXX of XXXX : ( XXXXXXXX  ) Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: CA

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 XX/XX/year>, XXXX XXXX  XXXX XXXX XX/XX/year> Please remove these fraudulent inquiries from my credit report.

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 2025-11-18 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: CT

Complaint narrative:
I am submitting this dispute to correct inaccuracies on my credit report. I request an immediate investigation into the following accounts and entries. 

Charged Off Accounts : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$3500.00} XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: MO

Complaint narrative:
b'- Product: Credit card or prepaid card\n- Issue: Charged for a returned item / refund not processed\n- Company: PayPal Holdings, Inc. (you can also list XXXX XXXX as the issuer)\n- Account Number: XXXX XXXX XXXX XXXX\n- Dispute ID (if asked): XXXX XXXX XXXX\n- Amount in Dispute: XXXX\n- Date of Transaction: XXXX XXXX\n\nI returned a product to the seller, who confirmed receipt and stated they refunded PayPal. Despite this, PayPal has not credited the refund to my PayPal Credit account. The charge remains active, and I am being held liable for a product I no longer possess and for which the seller has already refunded the funds.\nI provided PayPal with:\n- A voice recording and transcript of the seller confirming the refund\n- Proof of product return and delivery\n- A tracking number from the freight carrier\n- Correspondence with PayPal representatives\nPayPal closed the case in favor of the seller, citing lack of a tracking number. I later obtained the tracking number and submitted it along with the sellers confirmation. PayPal denied my appeal and stated I remain responsible for the charge. They are now directing me to dispute the charge with XXXX XXXX.\nThis reflects a broader failure in PayPals dispute resolution process and may violate consumer protection laws. I request that the CFPB investigate and ensure fair handling of refunds and disputes.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TN

Complaint narrative:
On XX/XX/year> I was alerted that there was a had pull on my credit report. I looked at the company that pulled my credit and it was not a company I recognised or applied to. 
I called the company and asked them to please cancel the application for a credit card that was made in my name. I received and email on XX/XX/year> stating the application was cancelled. 
On XX/XX/year> I got a credit alert that an account had been made in my name through the same credit card company.

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 2025-11-18 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: MO

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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

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 2025-11-18 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: MI

Complaint narrative:
I am a victim of identity theft. I affirm these are not my transactions or inquiries. I am sending you the following documentation : Proof of identity, proof of current address, a copy of my police report, a list of fraudulent accounts. I request that you block and remove from my credit report all items that resulted from identity theft under FCRA 605b ( 15 U.S.C. 1681c-2 ) as soon as you receive appropriate documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
I am a verified victim of XXXX XXXX, debt bondage, and identity theft. 

Pursuant to my rights under 15 U.S.C. 1681c-3 ( FCRA 605C ) and 15 U.S.C. 1681c-2 ( FCRA 605B ), I am submitting this formal legal demand to have fraudulent and coercion-based information blocked and permanently removed from my TransUnion credit file. 

The following information was created or maintained under coercion and identity misuse. These records are inaccurate, do not belong to me, and continue to cause ongoing harm and misrepresentation of my credit profile. 

Enclosures Provided : Certified Victim Determination Documentation ( for 605C compliance ) Proof of identity, SSN, and current address ADDRESSES TO DELETE : Incorrect Address XXXX XXXX XXXX, XXXX, FL XXXX EMPLOYERS TO REMOVE : EMPLOYER XXXX XXXX XXXX  EMPLOYER XXXX XXXX XXXX ACCOUNTS TO BLOCK : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> {$0.00} I am requesting that TransUnion immediately block and delete the information listed above, in full compliance with FCRA 605C ( b ) ( 1 ) and 605B ( c ) ( 1 ), and provide written confirmation once these actions have been completed.

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 2025-11-18 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
My complaint is not about whether a XX/XX/XXXX payment was 30 days late. 
The dispute is about the current inaccurate reporting caused by Hondas internal system suppression. 

XXXX failed to address or resolve the following ongoing problems : XXXX. XXXX is falsely reporting my open auto loan as closed. 
XXXX  shows the XXXX account as closed, with a false XXXX late in XX/XX/XXXX. 
TransUnion shows the XXXX account as closed, with a false close date of XX/XX/XXXX the account has never been closed. 
I am still paying on this loan. The account is active. 
XXXX did not address or fix this major reporting error. 

XXXX. TransUnion XXXX XXXX show conflicting and inaccurate information. 
Two different closed dates. 
Different late-payment months. 
Different status codes. 
This is a direct violation of accurate furnishing requirements. 

XXXX. Multiple months are reported as unknown, even though I paid on time. 

My payment history displays multiple unknown months when I have bank proof that I paid every month. 
Unknown status reporting is considered incomplete/inaccurate under FCRA. 

XXXX ignored this part of my complaint entirely. 

XXXX. XXXX claims they sent updates to the bureaus on XX/XX/XXXX but the bureaus have not corrected anything. 

If the updates were actually sent, then : They were incorrect, or XXXX sent incomplete data, or XXXX failed to follow reinvestigation obligations. 

Their response did not explain this or provide evidence. 

XXXX. XXXX admitted to system enhancements that suppressed accounts but refused to explain how this affected my reporting. 

XXXX acknowledged that their system enhancements suppressed certain accounts, including mine, but they falsely claimed it did not affect payment reporting. 
The bureau data proves the opposite. 

XXXX. XXXX did NOT perform a reasonable investigation. 

XXXX  CFPB response focused only on a XXXX late payment. 
They completely ignored the actual dispute, which violates : FCRA 623 ( a ) ( 2 ) : Duty to investigate disputed information FCRA 623 ( a ) ( 1 ) : Duty to report accurately and not furnish incomplete or misleading data FCRA 623 ( a ) ( 8 ) : Reinvestigation requirements XXXX never explained : The false closed status The conflicting closed dates The false 60-day late The unknown months Why the bureaus are reporting inconsistent data Why their updates did not fix anything

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 2025-11-18 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: TX

Complaint narrative:
My complaint is not about whether a XX/XX/XXXX payment was 30 days late. 
The dispute is about the current inaccurate reporting caused by XXXX  internal system suppression. 

XXXX failed to address or resolve the following ongoing problems : XXXX. XXXX is falsely reporting my open auto loan as closed. 
Equifax shows the XXXX account as closed, with a false XXXX late in XX/XX/XXXX. 
XXXX  shows the XXXX account as closed, with a false close date of XX/XX/XXXX the account has never been closed. 
I am still paying on this loan. The account is active. 
XXXX did not address or fix this major reporting error. 

XXXX. XXXXXXXX XXXX  Equifax show conflicting and inaccurate information. 
Two different closed dates. 
Different late-payment months. 
Different status codes. 
This is a direct violation of accurate furnishing requirements. 

XXXX. Multiple months are reported as unknown, even though I paid on time. 

My payment history displays multiple unknown months when I have bank proof that I paid every month. 
Unknown status reporting is considered incomplete/inaccurate under FCRA. 

XXXX ignored this part of my complaint entirely. 

XXXX. XXXX claims they sent updates to the bureaus on XX/XX/XXXX but the bureaus have not corrected anything. 

If the updates were actually sent, then : They were incorrect, or XXXX sent incomplete data, or XXXX failed to follow reinvestigation obligations. 

Their response did not explain this or provide evidence. 

XXXX. XXXX admitted to system enhancements that suppressed accounts but refused to explain how this affected my reporting. 

XXXX acknowledged that their system enhancements suppressed certain accounts, including mine, but they falsely claimed it did not affect payment reporting. 
The bureau data proves the opposite. 

XXXX. XXXX did NOT perform a reasonable investigation. 

XXXX  CFPB response focused only on a XXXX late payment. 
They completely ignored the actual dispute, which violates : FCRA 623 ( a ) ( 2 ) : Duty to investigate disputed information FCRA 623 ( a ) ( 1 ) : Duty to report accurately and not furnish incomplete or misleading data FCRA 623 ( a ) ( 8 ) : Reinvestigation requirements XXXX never explained : The false closed status The conflicting closed dates The false 60-day late The unknown months Why the bureaus are reporting inconsistent data Why their updates did not fix anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
I have been attempting to make my payment online since last month, but every time I try to log in, I receive the message : Oops, your account has been blocked. I contacted customer service multiple times, yet no one has provided a solution. Despite my efforts to pay on time using the same card Ive successfully used for months, I am now being charged late fees and additional penalties. Ive also noticed that several other customers are experiencing the same issue. The payment I have been trying to submit is {$110.00} for my XXXX  credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
I am filing a formal complaint regarding the repeated failure of the credit bureaus to respond to or properly investigate my credit report disputes. For several months, I have been submitting disputes regarding inaccurate information on my credit report, and despite following all required steps, my disputes have been ignored. 

I have sent multiple dispute lettersboth by mail and onlineyet I have not received adequate responses, investigations, or updates within the legally required timeframe outlined under the Fair Credit Reporting Act ( FCRA ). The bureaus lack of action has caused ongoing harm, including inaccurate reporting, credit denials, and unnecessary stress. 

I am requesting that the CFPB intervene to ensure : 1. The credit bureaus review and investigate all of my submitted disputes.

2. Any inaccurate, unverifiable, or outdated information is promptly corrected or removed.

3. I receive proper communication and documentation of the investigation results, as required by law. 

I have attached copies of my dispute letters. Thank you for your attention to this matter. I respectfully ask for your assistance in ensuring my rights under the FCRA are upheld.

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 2025-11-18 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:
Accounts in Dispute Charged Off : No accounts currently listed for dispute. 

Inquiries in Dispute : XXXX XXXX Date : XX/XX/year> Dispute Statement : I am disputing the above inquiry on my TransUnion credit report. I do not recognize this inquiry and request a full investigation and removal if it can not be verified according to the Fair Credit Reporting Act ( FCRA ).

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 2025-11-18 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: OH

Complaint narrative:
Remv from my record all this info. I am a victim of identity theft and didnt agree wit dis charge. Pls, remove items.

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 2025-11-18 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: IL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: KY

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX  XXXX, XXXX. for reporting inaccurate and inconsistent information related to the following account : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Type : Credit Card ( Charged-Off ) After reviewing my latest three-bureau credit report, I identified multiple discrepancies between XXXX  Experian, XXXX XXXX. The information being furnished by XXXX XXXX is inaccurate, inconsistent, and disputed. 

Documented inaccuracies include : High Balance : XXXX  = {$670.00} Experian = {$0.00} XXXX  = {$670.00} Date of Last Activity : XXXX  = XX/XX/XXXX EX = XX/XX/XXXX XXXX  = XX/XX/XXXX Closed Date : Not reported by Experian or XXXX  Creditor Remarks : Different across all three CRAs These inconsistencies violate : 15 U.S.C. 1681e ( b ) Maximum possible accuracy 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty not to furnish inaccurate information 15 U.S.C. 1681s-2 ( b ) Duty to investigate when a dispute is received 15 U.S.C. 1681i ( a ) ( 5 ) Requirement to delete unverifiable information Notification to the Bureaus : Please note that XXXX, Experian, XXXX XXXX are being notified through this complaint, and formal dispute letters have already been mailed to all three bureaus by certified mail, listing the inconsistencies found.

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