vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: LA

Complaint narrative:
I am submitting this complaint to supplement my earlier filings ( IDs : XXXX, XXXX, XXXX, XXXX ). Those cases were closed without review of key evidence. 

XXXX XXXX XXXX XXXX ( formerly XXXX XXXX XXXX XXXX  ) is furnishing false and inconsistent credit reporting information despite receiving court-ordered garnishment payments. 

Garnishments Deducted : My wages were garnished through XXXX beginning XX/XX/XXXX until XX/XX/XXXX, with deductions appearing on every paycheck. The amounts varied, but most pay periods reflect a deduction of approximately {$440.00}. This totals several XXXX dollars that were taken directly from my wages. 

Conflict With XXXX  Letter : In their XX/XX/XXXX letter to me, XXXX claimed they received garnishment payments until XX/XX/XXXX. This is false. My payroll records prove the last garnishment was XX/XX/XXXX. I never made any direct payments to XXXX. 

XXXX XXXX XXXX : Despite garnishment payments, XXXX  continues to report inaccurate derogatory remarks such as Customer Unable to Locate Consumer and ongoing charge-off updates. This is knowingly false because my employer was garnishing my wages, proving I was locatable and actively paying. 

Re-Aging of Debt : The credit card account was marked paid charge-off in XX/XX/XXXX, yet XXXX  and the credit bureaus continue to update the account monthly with derogatory remarks. This artificially extends the negative impact on my file beyond the 7-year reporting limit. 

CRA Failures : I disputed with XXXX, Experian, and XXXX  in XX/XX/XXXX. Instead of correcting the record, they verified XXXX inaccurate reporting, despite being provided with pay stubs and documentation of garnishment. This is a violation of FCRA 1681s-2 ( b ) because the CRAs and XXXX failed to reasonably investigate and correct.

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 2025-09-17 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:
On XX/XX/, my PayPal account ( [ XXXX ] ) was permanently limited due to alleged unusual activity. I want to emphasize that I have done nothing wrong and have fully complied with PayPals policies. There were no funds in the account at the time of limitation. 

This account is essential for receiving legitimate payments from my clients and employers. Because of the limitation, I can not receive payments I am legitimately owed, which is causing serious financial and professional harm. Many clients are unable to pay me because this is the only account registered for transactions, and no alternative is accepted. 

I contacted PayPal customer support multiple times to resolve the issue, but they informed me that the decision is final and non-appealable, leaving me without any recourse. This permanent limitation is unfair, prevents me from accessing earned funds, and negatively affects my ability to work. 

Actions requested : 1. Reinstatement of my PayPal account so I can receive pending and future payments.

2. Clear guidance on compliance to prevent any future account limitations. 



Additional details : Limitation occurred on XX/XX/. 

Account has been used exclusively for legitimate work payments. 

PayPal confirmed the decision is final, with no opportunity to appeal. 

Supporting documentation : screenshots of PayPal emails and correspondence with support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {>= $1,000,000} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-17 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: AR

Complaint narrative:
The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name XXXX XXXX Current Address : My correct current address is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  PLEASE DELETE THIS FROM MY CREDIT REPORT. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DELETE THIS FROM MY CREDIT REPORT. 

Incorrect Address - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX DELETE THIS FROM MY CREDIT REPORT. 

EMPLOYER - XXXX XXXX PLEASE DELETE THIS FROM MY CREDIT REPORT. 

EMPLOYER - XXXX XXXX XXXX DELETE THIS FROM MY CREDIT REPORT. 


Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name XXXX XXXX Current Address : My correct current address is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  PLEASE DELETE THIS FROM MY CREDIT REPORT. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DELETE THIS FROM MY CREDIT REPORT. 

Incorrect Address - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX DELETE THIS FROM MY CREDIT REPORT. 

EMPLOYER - XXXX XXXX PLEASE DELETE THIS FROM MY CREDIT REPORT. 

EMPLOYER - XXXX XXXX XXXX DELETE THIS FROM MY CREDIT REPORT. 


Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting Thank you,

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 2025-09-17 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-09-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am filing this complaint against National Credit Systems ( NCS ) regarding a collection account they are reporting on my credit file. The account is inaccurate, unvalidated, and has been the subject of repeated disputes over many years. 

Background The account is for an alleged broken apartment lease. I resided at the property for approximately five months. When I appeared in court with the funds to resolve the matter, the judge instructed me to return to the property and make payment. Upon returning, the property management refused my payment. Despite this, NCS later began reporting a balance.

Failure to Provide Debt Validation Since XX/XX/year>, I have requested debt validation directly from NCS. I have never received any itemized statement, lease agreement, judgment order, or accounting from NCS via mail or phone. Instead, when I dispute the account with the credit bureaus, I receive the same generic response that NCS has validated this account with our company. This is not proper validation under the FDCPA, which requires collectors to provide verification to the consumer upon request. 

Dispute History I have disputed this account

over 15 times with the credit bureaus across multiple years. Despite my repeated requests, the account continues to be reported with no supporting documentation provided to me. This is a direct violation of both the FDCPA ( 15 U.S.C. 1692g ) and the FCRA ( 15 U.S.C. 1681s-2 ). Inaccurate Balance Reporting NCS is currently reporting a balance of {$15000.00}, which is wildly inflated and does not reflect the original lease terms. Additionally, under state landlord-tenant law, landlords are required to mitigate damages by making reasonable attempts to re-rent the unit. The property charged me for the full remainder of the lease without making such efforts, which further invalidates the amount they are attempting to collect. 

Violations FDCPA, 15 U.S.C. 1692g Failure to provide debt validation within 30 days of request.

FCRA, 15 U.S.C. 1681s-2 Furnishing information to credit bureaus that is inaccurate and unverifiable.

State landlord-tenant law Failure to mitigate damages when a lease was broken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Re : Formal Notice of Continued Violations Accounts Ending in XXXX and XXXX CFPB Complaint Reference No. : XXXX To Whom It May Concern, I am writing regarding the above-referenced accounts that you are reporting on my credit file. This letter serves as a formal demand for immediate correction. 
On XX/XX/year>, in your CFPB response to Complaint Reference No. XXXX, you stated that you closed the XXXX account XXXX in XXXX, ceased all communications, and requested thecredit bureaus delete the tradeline. However, as of today, XX/XX/year>, this account is still reporting on XXXX  and XXXX. Your failure to ensure deletion across all consumer reporting agencies violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires furnishers to ensure maximum possible accuracy. Additionally, regarding the XXXX account ending in XXXX, you continue to furnish this information despite failing to provide proper validation under the Fair Debt Collection Practices Act ( FDCPA ) 809. To date, you have not provided : - The original signed contract or agreement - The full chain of title/purchase agreement ( not merely an assignment ) - Proof that I am contractually obligated to the alleged debt Instead, you have misrepresented your obligations by claiming you are not required to validate because my disputes were also filed with the credit bureaus. This is false and deceptive. Certified mail receipts confirm you received my direct validation requests. 
Breach of Identity & Lack of Services By continuing to report and circulate unvalidated and unverified information tied to my personal identifying data ( name, date of birth, address, and other identifiers ), XXXX is committing a breach of identity and fiduciary duty. My identifying information is being misused to represent a debt you can not substantiate, which constitutes : - A violation of FDCPA 807 ( 10 ) ( false representation of the character or legal status of a debt ). 
- A violation of FCRA 607 ( b ) and 611 ( furnishing and re-verifying inaccurate information ).

- A misuse of my personal data without proof of consent or contractual obligation. 
Furthermore, I have never had any services, account, or agreement with Portfolio Recovery Associates. You are a third-party debt buyer, not an original creditor. Without a signed contract showing a direct obligation between myself and XXXX, you have no legal standing to report or collect on this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-17 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: VA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: NJ

Complaint narrative:
This complaint is not a mistake. My credit report contains clear inaccuracies that must be addressed immediately. These errors are causing significant and ongoing harm to me, both financially and emotionally. The continued presence of these inaccuracies is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: MD

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 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 2025-09-17 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:
When reviewing my credit reports, I found multiple accounts and inquiries being reported inaccurately and without proper validation. XXXX XXXX XXXX  is reporting two separate credit card accounts as charged-off with balances of {$510.00} and {$690.00}. These accounts contain inconsistencies across bureaus and no proper validation has ever been provided. 

XXXX XXXX XXXX is reporting a {$20.00} account as charged-off and written off, which is disproportionate and harmful for such a XXXX-dollar account, and no original documentation has been provided. XXXX XXXXXXXX XXXX is reporting a secured card as charged-off with a {$110.00} balance written off, but continues to list derogatory history even after closure. XXXX XXXX XXXX is reporting a {$500.00} account as charged-off, yet the account remains derogatory despite being disputed and no evidence has been supplied to verify the accuracy of the balance. 

XXXX XXXX XXXX and XXXX XXXX XXXX are both being reported as charged-off accounts that were sold to another lender. They each show {$0.00} balances, yet continue to be listed as derogatory and remain on my reports without proof of ownership or chain of custody. XXXX XXXX  is reported as charged-off with {$3300.00} written off, but is also listed as a collection account with no legal validation. XXXX ( XXXX ) is reported as charged-off and transferred, but still shows derogatory reporting even though it has a {$0.00} balance. 

Finally, two active collection accounts remain : XXXX XXXX XXXX for {$690.00} ( XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX for {$620.00} XXXX XXXX XXXX XXXX ). Neither collector has provided any proof of assignment or ownership of these debts. In addition, Experian and TransUnion continue to report multiple hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others. These inquiries were not authorized and continue to harm my credit profile. 

Despite multiple disputes, these inaccurate and unverifiable accounts and inquiries remain.

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 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I understand this account has been sold. Please provide full debt validation, including the chain of title, securitization records, all account records, copies of every letter you sent with dates, and my signed agreement. Can you provide thisyes or no?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 
Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX confirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief