vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Trans Union XXXX XXXX XXXX XXXX PA XXXX Date : XX/XX/XXXX RE : Last XXXX of XXXX : XXXX To Whom It May Concern, This letter is a follow up to my original letter dated ( insert date of original letter ) regarding an inaccuracy in your credit reporting.

Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries 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 XXXXXXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation. 

My contact information is as follows : XXXX XXXX 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 2025-10-16 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 Victim of XXXX XXXX  Please Dispute this fraudulent inquiries

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
This account was paid in full, yet it continues to reflect late payment marks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
I added a business account to my personal Venmo account to be able to take and process payments. I accepted one payment for {$74.00} on XX/XX/XXXX, that their site said would be make available to me in 30 minutes. After days of the funds stuck in a pending status, I chatted with a rep who said that the funds were on hold at the credit card company and had not cleared. During that chat I submitted proof of the funds clearing my customers credit card by way of screenshots of the credit card statement. They then said there was a system bug they were aware of and their engineers were working on it and they had no idea of a date it would be fixed, and they would have a supervisor call me. A supervisor left me a voicemail message on XX/XX/XXXX stating that they were aware there was a bug they were working on. Since then I have literally gone on an email rampage, sending them multiple emails back to back every day since then. Their responses have been the same, engineers are working on it and they can't provide a date when it will be fixed. I would estimate at least 75 emails. I have requested another solution or a work around to no avail. I get the same answer every single time with no estimate for a release of funds timeframe. This has gone on entirely too long with no resolution. I can not access MY funds. It's XX/XX/XXXX today and it's still the same, unavailable for release, engineering issue and no idea what day MY funds will be made available to ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I am unable to access my PayPal account, which is required to make payments on my PayPal Credit account issued by XXXX XXXX. Despite multiple attempts to regain access, I have been completely locked out and can not log in to make payments or manage the account. Because of this, several payments failed through no fault of my own, resulting in late fees, returned payment fees, interest charges, and negative credit reporting. 

I contacted XXXX XXXX, but they refused to remove the fees or correct the credit reporting even after I explained that I was locked out of the PayPal account. I believe it is unfair to hold me responsible for missed payments when I was technically unable to make them due to access restrictions outside my control. In the attachments below I have the letter that XXXX XXXX  sent me, along with the message I get when I try to enter my account. I have tried to contact the number below multiple times, but I get to an Artificial Intelligence person who doesnt get me with a representative. Im also unable to pay via mail because I do not own checks and I never can. I also do not pay via over the phone either because I find that unsafe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Advanced Recovery Group LLC
State: GA

Complaint narrative:
This submission is a supplemental continuation to my prior open complaints ( CFPB XXXX XXXX. XXXX, XXXX, XXXX, and XXXX ) regarding ongoing illegal collection activity by Advanced Recovery Group and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Since XX/XX/year>, I have received repeated collection emails and phone calls from representatives XXXX, XXXX, and others at Advanced Recovery Group, acting on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These contacts have continued after I formally disputed the alleged debt and filed multiple complaints regarding improper legal filings by their attorney, XXXX XXXX, XXXX. 

Despite my repeated written requests for debt validation and several cease-and-desist notices instructing that no further contact should occur until proper validation was provided, the collection agents have continued to email, call, and threaten account freezes or payment demands. 

Even after submitting several formal complaints to the CFPB, they continue to contact me through both phone calls and emails, showing a clear disregard for the dispute process and consumer-protection regulations. 

Attached as Exhibit XXXX are the communications from XXXX through XX/XX/year>, which demonstrate this ongoing pattern of collection activity while the matter remains under dispute and review by multiple agencies. 

I believe these actions violate the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c, 1692e, 1692g ) and CFPB rules prohibiting deceptive or harassing conduct toward consumers with active disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: TekCollect Inc.
State: FL

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine. 
Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with Metro 2 compliance standards.

This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial well being.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

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! 

FRAUDELENT ACCOUNTS : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$20000.00} XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$670.00} XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$0.00} UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: PA

Complaint narrative:
XXXX XXXX Subject : Formal Dispute of Inaccurate Credit Information Under FCRA 602, 607 ( b ), 609, and 611 I am writing to dispute inaccurate and incomplete information being reported on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 602 ( A ), consumers are entitled to fair and accurate reporting, and under FCRA 607 ( b ) and 611, credit bureaus are required to maintain maximum possible accuracy and correct any errors after being notified. 
XXXX. XXXX Account ( Potentially Negative ) This account was paid in full and should not display as potentially negative or unpaid. Reporting a paid account as derogatory violates FCRA 607 ( b ), which mandates data furnishers and credit bureaus to maintain accurate and complete records.

I am demanding that this account be corrected to reflect : Paid in Full Closed/Zero Balance Removal of any negative payment remarks.

If Verizon has reported otherwise, that constitutes inaccurate information under FCRA 623 ( a ) ( 1 ) ( A ). 
I am disputing the continued reporting of late payments from XXXX. Experian has repeatedly claimed this information is verified, yet I have not been provided any actual validation, such as a copy of a signed contract or original billing statement with my signature proving I agreed to or missed any specific payment dates. 
Under FCRA 611 ( a ) and 623 ( b ), Experian is required to conduct a reasonable reinvestigation and provide verification from the original furnisher that includes documentation, not just an automated confirmation. If Experian can not produce signed or verifiable records showing that these alleged late payments occurred, they must delete the information under FCRA 611 ( a ) ( 5 ).

Continuing to report unverified information violates FCRA 607 ( b ) ( failure to maintain maximum possible accuracy ) and constitutes willful noncompliance under 616 and 617.

Until Experian can provide proper validation with my signature or contractual evidence, I am demanding that all negative payment history from XXXX be deleted immediately from my file.

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 2025-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: TN

Complaint narrative:
They are trying to collect a debt that I dont know anything about. I send out a validation debt letter to get it verified but they havent responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Date XX/XX/year> Amount : {$140.00} I don't know this debt, never recieve letter or call, I need trail of debt for debt collector and remove from my accound under Fed law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing again regarding multiple inquiries that continue to appear on my credit report despite repeated disputes and no evidence of permissible authorization. This marks my fourth and final round of disputes, and I am demanding permanent removal of these inquiries not a correction or temporary update.

Over the past several months, I have consistently provided clear written communication asserting that these inquiries were made without my knowledge or consent, and yet they remain. This ongoing inaccuracy directly violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates accuracy, verification, and permissible purpose in all credit-related reporting.

The following inquiries remain in dispute and must be permanently deleted : XXXX XXXX XXXXXXXX Dated XX/XX/XXXX XXXX XXXX XXXX Dated XX/XX/XXXX XXXX XXXX XXXX Dated XX/XX/XXXX XXXX XXXX  Dated XX/XX/XXXX XXXX  ( XXXX XXXX XXXX ) Dated XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Each of these inquiries has been previously challenged, and none of the entities listed have provided any form of permissible purpose documentation or written authorization bearing my consent. Under FCRA 604 ( a ) and 604 ( f ) ( 15 U.S.C. 1681b ( a ) and 1681b ( f ) ), a credit report may only be accessed when explicitly authorized or for a clearly permissible reason. Additionally, FCRA 619 15 U.S.C. 1681q makes it unlawful to obtain or use a consumer report under false pretenses.

Since no documentation has ever been provided validating these inquiries, they are unauthorized and must be permanently removed. Furthermore, under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am invoking my right to have unverifiable and unauthorized information blocked and deleted from my report, and to ensure it does not reappear in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing again regarding multiple inquiries that continue to appear on my credit report despite repeated disputes and no evidence of permissible authorization. This marks my fourth and final round of disputes, and I am demanding permanent removal of these inquiries not a correction or temporary update.

Over the past several months, I have consistently provided clear written communication asserting that these inquiries were made without my knowledge or consent, and yet they remain. This ongoing inaccuracy directly violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates accuracy, verification, and permissible purpose in all credit-related reporting.

The following inquiries remain in dispute and must be permanently deleted : XXXX XXXX XXXXXXXX Dated XX/XX/XXXX XXXX XXXX XXXX Dated XX/XX/XXXX XXXX XXXX XXXX Dated XX/XX/XXXX XXXX XXXX  Dated XX/XX/XXXX XXXX  ( XXXX XXXX XXXX ) Dated XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Each of these inquiries has been previously challenged, and none of the entities listed have provided any form of permissible purpose documentation or written authorization bearing my consent. Under FCRA 604 ( a ) and 604 ( f ) ( 15 U.S.C. 1681b ( a ) and 1681b ( f ) ), a credit report may only be accessed when explicitly authorized or for a clearly permissible reason. Additionally, FCRA 619 15 U.S.C. 1681q makes it unlawful to obtain or use a consumer report under false pretenses.

Since no documentation has ever been provided validating these inquiries, they are unauthorized and must be permanently removed. Furthermore, under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am invoking my right to have unverifiable and unauthorized information blocked and deleted from my report, and to ensure it does not reappear in the future.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am really frustrated because the inaccurate late payments are still listed on my credit report, and I can not figure out why. Even after refreshing, nothing was fixed. I am asking for the documents I submitted to be reviewed right away so this issue can be put to rest once and for all.

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 2025-10-16 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: TX

Complaint narrative:
I am really frustrated because the inaccurate late payments are still listed on my credit report, and I can not figure out why. Even after refreshing, nothing was fixed. I am asking for the documents I submitted to be reviewed right away so this issue can be put to rest once and for all.

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 2025-10-16 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: MN

Complaint narrative:
My credit report contains multiple inaccuracies, including an incorrect address, a duplicate name and date of birth, and late payment statuses that should be updated. 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 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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am disputing inaccurate reporting by XXXX XXXX XXXX XXXX and Experian. The account was paid in full and closed in 2023, yet it continues to show as a charged-off or delinquent account. I provided documentation multiple times, including proof of payoff and XXXX release, but neither XXXX XXXX nor Experian corrected the status or provided verification as required under the Fair Credit Reporting Act ( FCRA 611 and 623 ). This inaccurate status has damaged my credit and violates my right to an accurate consumer report. I am requesting CFPB review and enforcement to have the account updated to Paid in Full / {$0.00} balance and the false derogatory notation permanently 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