vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, I shipped a graphics card to a buyer using PayPals shipping label and USPS. The buyer received and signed for the package but later claimed it was tampered with during transit and filed a PayPal dispute for item not as described. Although I provided all evidence, PayPal ruled in my favor at first because the buyer did not return the item. Later, the buyer initiated a chargeback through their financial institution, and PayPal debited {$1500.00} from my account.

Meanwhile, the buyer also filed an insurance claim with USPS and received partial compensation for the loss. USPS confirmed in writing that the package was tampered with during transit, not by the seller. Despite the buyer already being compensated by USPS, PayPal is still holding me responsible for the chargeback, resulting in a double loss for me ( I lost the item and the money ).

I have contacted PayPal multiple times and provided evidence of USPS admitting fault, the buyers insurance claim, and proof that the buyer never requested shipping insurance from me. PayPal has failed to protect me as a seller and allowed the buyer to recover money twice for the same incident. This is causing me financial hardship, negative credit impact, and undue stress.

Additionally, I feel it is extremely unfair that I used PayPals own payment platform and shipping label for this transaction, yet PayPal has failed to protect me under their own Seller Protection policy. Despite providing all required documentation and following PayPals procedures, I was left without support, even though both the payment and shipping were handled through PayPals services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
I XXXX XXXX submitted a legal dispute with TRANSUION EQUIFAX EXPERIAN ABOUT ACCOUNTS THAT ARE INVALID AND NEED TO BE REMOVED ASAP ACCORDING TO CPFB / FCRA CONSUMER LAWS HOWEVER THESE COMPANIES FAIL TO REMOVE THESE SAID ACCOUNTS FROM MY PERSONAL CREDIT REPORT I HAVE SENT CERTIFIED LETTERS ETC AND PROVIDED DOCUMENTS AND THEY HAVE FAILED TO REMOVE SAID ACCOUNTS AND ADRESSES XXXX XXXX XXXXXXXX-reporting on Experian Transuion & Equifax XXXX XXXX -reporting on Equifax XXXX XXXX XXXX- reporting on Equifax These said accounts need to be removed if not i will file a complaint and lawsuit immediately

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 2025-06-17 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2025-06-17 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: OK

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: VA

Complaint narrative:
On multiple occasions, I have submitted written disputes on Account XXXX. XXXX requesting the verification and investigation of inaccurate and/or unverifiable information listed on my credit report. Despite providing all necessary documentation, the credit bureau has failed to : 1. Failure to Verify Inaccurate Account Information On several occasions, I submitted disputes concerning inaccurate and/or unverifiable accounts reported on my credit file. Despite following the proper procedures and providing all supporting documentation, your bureau has : Failed to complete a proper reinvestigation within the 30-day period outlined in FCRA Section 611 ( 1681i ) ; Failed to provide documentation verifying the accuracy of the disputed accounts ; Continued to report the same inaccurate or unverifiable information with no clear justification. 

These actions violate federal law and have caused undue harm to my credit profile and financial well-being. 

2. Failure to Update Personal Information Additionally, I submitted a formal request to update my personal information to reflect my correct legal name and current address, as shown on my government-issued ID. I included the following documentation : Copy of my valid government-issued ID Proof of address ( e.g., utility bill or bank statement ) Despite this, my records have not been updated accordingly. This failure contradicts Metro 2 reporting requirements and FCRA Section 609, both of which require that consumer data be accurate and current.

3. Remove or correct items that remain unverifiable or inaccurate, as required under FCRA Section 609 and Metro 2 Compliance Standards.

These failures have caused unnecessary delays, stress, and have negatively impacted my ability to obtain credit and maintain an accurate credit file. 
I am requesting the CFPB to investigate this matter and ensure the credit bureau is held accountable for its non-compliance. I am also requesting the permanent removal of any accounts that the bureau has not adequately verified in accordance with federal law. 
Attached you will find copies of the disputes I submitted, the bureau 's responses ( or lack thereof ), and supporting identification and address documents for your review. 
Please confirm receipt of this complaint and advise me of any next steps. 
Thank you for your attention to this serious matter.

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 2025-06-17 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: GA

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 XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Subject : Complaint Regarding Inaccurate Reporting of Late Payments on XXXX XXXX XXXX Account Ending in XXXX To Whom It May Concern, I am filing a formal complaint regarding inaccurate credit reporting by XXXX XXXX XXXX. 

XXXX XXXX XXXX is reporting late payments on my credit report that I believe to be inaccurate and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and related federal laws. 

Specifically, I raise concern under the following statutes : 15 U.S.C. 1681 ( Section 602 ) : Establishes the need for accurate and fair credit reporting and the protection of consumer privacy. 

15 U.S.C. 1681b ( Section 604A ) : Limits the permissible purposes for which credit information may be accessed and shared.

15 U.S.C. 1666b : Mandates that creditors allow a reasonable amount of time for payments to be made before reporting them as late. 


Despite attempts to ensure accurate reporting, XXXX XXXX XXXX has not corrected this issue. I believe the continued reporting of these late payments is unjustified, and I am requesting a full investigation into this matter. 

Requested Action : I respectfully request that the Consumer Financial Protection Bureau : 1. Investigate the accuracy of the late payment reporting on this account. 


2. Require XXXX XXXX XXXX to provide proper documentation verifying any reported delinquencies. 


3. Ensure that any unverifiable or inaccurate information is corrected or removed from my credit file. 


4. Take appropriate enforcement action if any violations of the above statutes are confirmed. 



I am including a copy of my credit report, my government-issued ID with current address, and my Social Security card to assist in verifying my identity and locating the account in question. 

Thank you for your attention to this matter. I look forward to a fair review and resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I received an email from my JetBlue Card, with a personal promotional APR ( see photo ). I clicked on the link, and it gave me a 0 % interest money transfer until XX/XX/XXXX with a 3 % transfer fee. I selected it and requested {$15000.00} and was charged the 3 % to make it {$15000.00}. I used most of it for a down payment on a new vehicle and the remainder to put into my savings account that I get 4 % interest in. A few weeks later I noticed that I was being charged interest so I called the company on XX/XX/XXXX. The man I spoke with initially said it was a 2.99 % interest balance transfer and after I told him I selected 0 % interest he looked into the account further and said you were correct it is a 0 % interest balance transfer. I spent XXXX minutes on the phone that day trying to get it corrected. He told me it would take XXXX days. I gave it XXXX, with no corrections made and no communication sent, so I called again today. I was told the case was closed and it is 2.99 %. I told them this is fraud I have my personal documentation that I was getting a 0 % interest and they could not provide me with any documentation that it was a 2.99 % interest. I would not have taken this money transfer if it was anything but 0 %.

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 2025-06-17 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-06-17 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
When I applied for a credit card recently, I was shown how to check my credit score and credit reports from the three major credit bureaus ( Experian, XXXX, and Equifax ). While reviewing my credit reports, I noticed several hard inquiries and accounts that I did not recognize or authorize. 

I immediately began the dispute process online through each of the bureaus, but some of the online disputes did not go through properly. As a result, I followed up by calling each credit bureau directly to file disputes. Some of the inquiries were successfully removed, but Equifax has been giving me a particularly difficult time. 

To investigate further, I began calling the companies listed on my credit report that had run inquiries. Many of them either couldnt locate my information in their system or told me they needed authorization from the party that pulled the credit, which left me at a standstill. One of the more recent companies I contacted said they would return my call after reviewing the dispute, but I have not heard back yet. It has been more than 30 days. 

To make matters worse, my wallet was recently stolen, and it contained sensitive personal information such as my Social Security card, ID, and credit cards. Because of this, I placed a fraud alert on all three credit bureau accounts to protect myself from further identity theft. 

Despite these precautions, I recently noticed two new collections have appeared on my credit report. I do not recognize these accounts and am currently in the process of disputing them as well. I strongly believe that many of these inquiries and collections may be related to identity theft.

Actions Ive Taken : Disputed unauthorized inquiries and accounts online and by phone with all three credit bureaus. 
Contacted companies that appeared on my credit reportsome could not find any records or said they needed authorization to proceed. 
Filed a fraud alert with all three credit bureaus after my wallet was stolen. 
Waiting for a callback from at least one company that is reviewing a recent dispute.

Attempting to resolve new collection accounts that recently appeared and are unfamiliar to me. 

I am requesting that these unauthorized inquiries and accounts be thoroughly investigated and removed from my credit report if found to be fraudulent. I would also appreciate more consistent communication from Equifax, as they have been less responsive compared to the other bureaus.

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 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
I requested the company stop calling me, send me the notice of assignment and any contracts from the original creditor that states that I have an account with them as proof that the debt of {$180.00} as of XX/XX/year>, they are trying to collect on is mine. This company is reporting an unknown debt on my credit report and I need it removed as it is having a negative effect on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I DO NOT IDENTIFY THESE INFORMATION, PLEASE REMOVE DISPUTE ADDRESSES : 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 DISPUTE NAMES XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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