vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I hereby request that this financial institution remove any hard inquiries on my credit reports with XXXX XXXX XXXX XXXX XXXX XXXXespectfully. My reason is not based upon any fraudulent activity of any kind. My reason is purely based upon the laws of duplicity from a civil perspective. In each of these hard-hit inquiries I was also reviewed on credit from a soft hit inquiry. In that capacity, what was the legal reasoning on looking over my credit once again where the information is the same. Accordingly, the hard hit has hindered me from acquiring commercial credit for my business affairs, thus causing financial hardship. The inquiry or inquiries showing up as a hard-hit must in all fairness be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NV

Complaint narrative:
PayPal has held a balance of {$10000.00} in my personal account since XXXX XXXX. Initially, PayPal informed me the hold would last for 180 days, as outlined in their User Agreement, and funds would be eligible for withdrawal after that period. 

However, after the 180 days expired, PayPal notified me that the funds would now be held indefinitely due to unspecified risk considerations. Despite my multiple requests, PayPal has refused to provide any specific explanation, evidence, or legal basis for the continued hold. Their communications cite only generic references to their risk modeling process and user policy. 

Their own User Agreement states that holding funds beyond 180 days may occur only in accordance with a court order, regulatory requirement, or other legal process. PayPal has failed to provide proof of any such court order, regulatory demand, or pending legal action concerning my account. 

I have contacted PayPals customer service, PayPals Executive Office ( as advised by the company ), and filed complaints with the XXXX XXXX XXXX  and CFPB. PayPal continues to refuse to offer a clear, detailed explanation or release of my funds- Immediate release of my {$10000.00}, or at minimum, a detailed and specific explanation ( with supporting evidence ) for the continued indefinite hold, including any and all court orders, regulatory requirements, or other legal processes applicable to my funds. 
- Assurance that PayPals handling of consumer funds complies with both PayPals own User Agreement and federal and state law. 


I appreciate the CFPBs assistance in ensuring financial service providers like PayPal treat consumers fairly and follow their own stated policies and consumer protection laws. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: AZ

Complaint narrative:
I am formally disputing the accuracy and validity of a Charge-Off account currently reporting on my credit file. After a thorough review of my credit report, I have found thi

s account to be inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Pursuant to FCRA 602 ( A ) and 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute any information that is being reported inaccurately or can not be verified. The creditor in question has failed to provide documented proof validating the alleged debt, including a signed contract or any evidence of ownership or authorization. Under FCRA 609 ( a ) ( 1 ), I have the right to full disclosure of all inform
ation the credit bureau has on file regarding this account, and under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting inaccurate or unverifiable data to consumer reporting agencies. Continuing to report unverifiable or erroneous information constitutes willful noncompliance and a direct violation of federal 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 non-monetary relief
Consumer complaint received 2025-11-13 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX  XXXX  that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not 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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
So XXXX XXXX on XX/XX/XXXX failed to protect my account by giving access with just a phone number to my account to another XXXX client not multiple verification methods used mistake # XXXX Then this XXXX user was even granted permission to change my name number address and social security number without any government verification witch is obligated by law and XXXX policy mistake and big one I add # XXXX I notified XXXX XX/XX/XXXX explained in detail on the XX/XX/XXXX even the rep at XXXX in the XXXX  as it was bothering me that bad said yes I see the change thats weird but on XX/XX/XXXX the fraud department tells me no fraud Called XX/XX/XXXX and demanded the account be closed as I was locked out as the other client had full control of my original account and couldnt access it to delete the account XX/XX/XXXX XXXX sent my first complaint to cfpb XXXX didnt respond so they sent out another letter to XXXX  and XXXX  XXXX XXXX they gave some information about there phone number access is a issue but not who and why my information was change illegally XX/XX/XXXX I called and escalated it again wanting to know who and why my information was changed XX/XX/XXXX no answer I reached out but promised its being escalated XX/XX/XXXX no answers so I reached out this time XXXX XXXX XXXX XXXX  told me its not being escalated So I went online and got this guy XXXX  I asked what was the permissible purpose of accessing my credit report if you didnt reasonably verify my identity before certifying to TransUnion that you did when in deed they didnt Was told TransUnion has a responsibility to verify identity before a report is given at the end of the day XXXX  had a obligation to verify identity before changing it

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report shows a repossession entry that I believe is inaccurate or can not be verified. In accordance with 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I am entitled to a fully accurate and verifiable credit report. I am requesting that this repossession record be reviewed, and if it can not be confirmed as accurate, it should be promptly removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: IL

Complaint narrative:
This account does not belong to me and is being reported incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: GA

Complaint narrative:
Received notification from Halsted ( collection agency ) that they were holding an account due of {$1600.00}. After initial investigations I so far found out that XXXX XXXX credit card, serviced by XXXX XXXX, turned over a charge to a collection agency. The collection agency XXXX XXXX sold the account to, sold it to Halsted. Since the collection agency is so far removed from the alleged charges, they weren't very helpful. I contacted XXXX XXXX and all they would tell me was the account no longer existed and would not furnish any statement showing the charges or any further information whatsoever. I never received a statement from XXXX XXXX for these charges so I never saw any bills from XXXX XXXX, nor did I see any follow up statements indicating that there was an account in arrears. I contacted XXXX and received no information from them either. I suspect my account was somehow hacked and perhaps was pre-dated so that XXXX XXXX would see it as a delinquent charge and therefore turned it over to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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:
Subject : Inaccurate Bankruptcy Coding & Unverifiable Tradelines Request for Permanent Deletion The credit bureaus continue to report multiple accounts with XXXX  XXXX bankruptcy remarks, included in bankruptcy, and discharged through bankruptcy, even though : 1. Equifax has already removed the bankruptcy public record, proving the information is not verifiable. 
2. These accounts were opened after my bankruptcy counseling date ( XX/XX/year> ) and can not legally be linked to a bankruptcy that was filed earlier. 
3. No Method of Verification has been provided under FCRA 611 ( a ) ( 6 ). 
4. Experian has reinserted previously deleted accounts ( XXXX ), without providing notice within 5 business days as required under FCRA 611 ( a ) ( 5 ) ( B ). 
5. Dates, balances, status codes, and remarks are factually inaccurate and violate FCRA 607 ( b ) ( maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NC

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report shows a repossession entry that I believe is inaccurate or can not be verified. In accordance with 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I am entitled to a fully accurate and verifiable credit report. I am requesting that this repossession record be reviewed, and if it can not be confirmed as accurate, it should be promptly removed from my 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 non-monetary relief
Consumer complaint received 2025-11-13 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I hereby request that this financial institution remove any hard inquiries on my credit reports with XXXX, XXXX, and XXXX XXXX respectfully. My reason is not based upon any fraudulent activity of any kind. My reason is purely based upon the laws of duplicity from a civil perspective. In each of these hard-hit inquiries I was also reviewed on credit from a soft hit inquiry. In that capacity, what was the legal reasoning on looking over my credit once again where the information is the same. Accordingly, the hard hit has hindered me from acquiring commercial credit for my business affairs, thus causing financial hardship. The inquiry or inquiries showing up as a hard-hit must in all fairness be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NJ

Complaint narrative:
I regularly review my credit report because maintaining a good credit score is very important to me. However, I keep finding inaccurate and false information that has remained unresolved despite my repeated attempts to have it corrected. This ongoing issue has become extremely stressful and exhausting, and it continues to negatively impact my credit score and overall financial well-being.

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 2025-11-13 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: WA

Complaint narrative:
I am submitting this follow-up to bring attention once again to the ongoing reporting inaccuracies regarding my XXXX XXXX XXXX I account, account number XXXX, with a balance of {$7600.00}. This account was originally opened on XX/XX/XXXX, and last active on XX/XX/XXXX. Despite my prior dispute, the account continues to be reported with alleged XXXX late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all of which are inaccurate and inconsistent with my verified payment history. 

Since opening this account, I have maintained consistent communication and timely payments with XXXX XXXX XXXX I, ensuring that each payment is made before the due date. The reported late payment notations are not supported by any factual evidence, billing notices, or verified documentation from the creditor.

After my initial dispute, I expected a careful reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ). Under FCRA 607 ( b ), furnishers are required to maintain the maximum possible accuracy of the information they report. Furthermore, FCRA 611 ( a ) ( 1 ) ( A ) mandates that credit reporting agencies reinvestigate and correct any unverifiable or inaccurate data. Unfortunately, this issue remains unresolved, and the inaccurate entries continue to appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: MO

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it 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 2025-11-13 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: MO

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it 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 non-monetary relief
Consumer complaint received 2025-11-13 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
XX/XX/XXXX this was Fraudulently Posted on my credit. & I filed a complaint with you all then, they even agreed with your company b to remove it. I have the letter. & as of today XX/XX/XXXX its still posted on my Credit! I think they are trying to lie & wait til the XXXX XXXX XXXX is up. Please have it removed off my Equifax Account. 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 2025-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC
State: CA

Complaint narrative:
I have an auto loan with Global lending Services. In XX/XX/year> I was granted a payment extension by the company. Despite this, the extension was never applied to my account. As a result, I have been repeatedly charged late fees and excess interest on the same deferred amount, and my regular payments appear to be applied entirely toward interest rather than reducing the principal balance. 

I have requested documentation and a full payment history breakdown from the lender but have not received a satisfactory response or correction. I believe this may violate the Truth in Lending Act ( TILA ) and could be an unfair or deceptive act or practice ( UDAAP ) under the Consumer Financial Protection Act. Additionally, if inaccurate delinquencies have been reported to credit reporting agencies because of these errors, that would also implicate the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: IL

Complaint narrative:
There are errors in my credit file, specifically false addresses that are being reported under my name. To assist with the correction, I have attached documentation confirming my true and current information. I am insisting that these incorrect addresses be removed right away so my credit report is accurate and not misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report lists late payment entries that I believe are incorrect. Pursuant to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, my report must reflect only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be investigated, and if they can not be verified, that they be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Essential Lending Inc
State: TX

Complaint narrative:
Calling my sisters, father multiple times, calling me multiple times.

Company response to consumer: Closed with explanation