vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: LA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain accounts that I believe are being reported inaccurately on my credit report. Please find below the details of the disputed accounts and inquiries with each credit bureau. 

CHARGED OFF ACCOUNTS XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$74000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9300.00} INQUIRIES XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
Can you glance at this entry? It could be delayed and incorrect.

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 2025-11-27 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: TX

Complaint narrative:
Please review the provided materials ; these inquiries arrived without prior notice and may be unauthorized.

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 2025-11-27 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
XXXXComplaint Regarding Unfair Account Limitation and Incorrect Associated Account Decision by PayPalXXXXI am filing this complaint against PayPal because my PayPal account was unfairly limited, and PayPal incorrectly determined that my new account is associated with another restricted account. PayPal has refused to provide a fair review or restore my access despite my complete cooperation.XXXX1. My first PayPal account was limited without fair assessmentXXXXI received only a small preorder deposit of USD XXXX  from a customer.XXXXThe customer later cancelled the order, and I issued a full refund immediately.\nBecause the order was cancelled, there was naturally no shipping information or tracking number available.\nI explained this clearly to PayPal and provided all relevant information.\n\nHowever, PayPal ignored my explanation and permanently limited my account without giving me a fair evaluation.\XXXXXXXX2. My second PayPal account was incorrectly marked as associatedXXXXI later created a new PayPal account to continue my small legitimate business activities.\nI submitted all requested documents truthfully, including my identity, business information, and procurement records.XXXXDespite this, PayPal rejected the verification and claimed my account is linked to another user who had been restricted previously.\nThis determination is incorrect.\nI do not have access to any other persons account, and I have never attempted to bypass restrictions or create multiple accounts for deceptive purposes.XXXXIt appears that PayPals automated system incorrectly flagged my account based on technical factors such as reused IP addresses, shared devices, or other automated signals that do not reflect my true identity or behavior.XXXX3. PayPal failed to offer me a manual human review\n\nI repeatedly contacted PayPal and requested a proper review by a qualified specialist.\nHowever, PayPal refused to reconsider its decision and relied entirely on automated assessment, causing serious financial and operational harm to me as a small individual seller.XXXX4. I am requesting CFPB assistance\n\nI respectfully request that the CFPB investigate PayPals actions, including:\n\nPayPals use of automated systems that generate false associated account flags\n\nPayPals refusal to conduct proper manual review\n\nPayPals failure to provide clear justification for limitations\n\nPayPals unfair treatment of small individual sellers\n\nI am fully willing to provide any documents necessary, including identity proof, procurement invoices, supplier contracts, customer communication records, and inventory proof.\n\nPayPals actions have caused significant hardship, and I am requesting regulatory oversight to ensure that PayPal provides a fair resolution.\n\nThank you for your assistance.XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: CO

Complaint narrative:
I am submitting a dispute regarding the following inaccurate or unverifiable information on my Equifax credit report. These entries require review and correction under the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts in Dispute : XXXX XXXX  Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$220.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} Late Payments in Dispute : XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: GA

Complaint narrative:
I am submitting this complaint regarding the following disputed items on my credit report. The details of the accounts in dispute are outlined below, separated by credit bureau. 

CHARGED OFF XXXX XXXX, XXXX, XX/XX/year>, {$5200.00} XXXX XXXX, XXXX, XX/XX/year>, {$5200.00} LATE PAYMENT XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: NY

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: Block, Inc.
State: MO

Complaint narrative:
I made orders and CashApp Canceled them and kept my money! 

XX/XX/XXXX XXXX for XXXX! 
XX/XX/XXXX XXXX XXXX for {$170.00}, and {$180.00} Both Ordered was cancelled by Cash App for no apparent reason ; but the problem is I didnt get my money back from the pending transactions So I went into the store in person and made the transaction ; since Cash App was on XXXX!! 

theyre claiming the transaction for {$170.00} was Never made ; but we see that it was!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
My identity was stolen this is my XXXX attempt to get this removed off my credit.

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 2025-11-27 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: SC

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 2025-11-27 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: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
XXXXWhom It May Concern:XXXXI am writing in response to your recent communication regarding the above-referenced account, which you state was purchased from another creditor. I dispute this alleged debt in its entirety.\n\nUnder the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692g, I am formally requesting that you provide full validation of this alleged debt, including but not limited to:\n\n1. The original creditors name, address, and account number\n\n\n2. Proof of ownership/assignment showing that Midland Credit legally purchased and now owns the alleged debt\n\n\n3. A complete itemized accounting showing how the amount claimed was calculated\n\n\n4. A copy of the original contract, application, or agreement bearing my signatureXXXX5. Proof that the debt is within the statute of limitations for collection in my stateXXXXUntil these documents are provided, you must cease all collection activities.XXXXAdditionally, under 15 U.S.C.  1692c(c), this letter serves as a formal request that you CEASE AND DESIST from any further communication with me regarding this matter, except to provide the required validation or to notify me of specific legal action.\n\nThis includes, but is not limited to:\n\nPhone calls\n\nEmailsXXXXLettersXXXXThird-party communication\n\nCredit reporting without proper validation\n\n\nPlease note that failure to comply with this request may result in legal action being taken against you, including claims for statutory damages, attorneys fees, and reporting violations to the Consumer Financial Protection Bureau (CFPB) and the Attorney Generals office.XXXXNothing in this letter constitutes acknowledgment of the alleged debt. All rights are expressly reserved.XXXXSincerely,XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
TD BANK ACC NO XXXX FRAUD CHARGES {$300.00} THEY USED MY ATM AND THEY ARE NIT DISPUTING. 
CLAIM NUMBER IS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: NY

Complaint narrative:
I am disputing the following entries on my TransUnion credit report, which I believe are inaccurate or unverifiable. 

Charged-Off Accounts in Dispute : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Late Payments in Dispute : DEPTED/XXXX  Account Number : XXXX XXXX/XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
I am writing to dispute the following accounts on my credit report. I believe the information to be inaccurate and request your assistance in investigating the matter. Please see the details of the disputed accounts for each bureau : Charged Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} XXXX XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$890.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} Late Payments : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: VA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-11-27 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: GA

Complaint narrative:
I am formally disputing several accounts on my Experian credit report. These accounts contain substantial errors, and I request that these inaccuracies be rectified immediately under the Fair Credit Reporting Act ( FCRA ). If these errors are not corrected promptly, I will escalate the matter by filing complaints with the FTC and taking legal action. 

Disputed Accounts : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX  XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Late Payments : DEPT OF EDXXXX Account Number : XXXX DEPT OF ED/XXXX  Account Number : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: MI

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-27 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: SC

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-11-27 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: SC

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: SC

Complaint narrative:
I am a consumer attempting to resolve inaccuracies on my credit report. Below is a list of accounts I am disputing, with details separated by each credit bureau : Charged Off Accounts XXXX  XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$610.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1300.00}

Company response to consumer: Closed with non-monetary relief