vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am disputing a charged-off account reported on my credit report. The account was closed and charged off as bad debt ; however, the funds in question were fully returned to me and the matter was resolved with no evidence of fraud or loss. 

Specifically : The account was initially flagged as suspected fraud. 
After review, returned the funds and closed the account. 
Despite this, the account is still reported as a charge-off/bad debt. 

This reporting is inaccurate and misleading, as no outstanding balance remains and no fraudulent activity was confirmed. 

I have disputed this account directly with the credit bureaus, and the reporting has not been corrected or removed. 

Under the Fair Credit Reporting Act ( FCRA ), information on my credit report must be accurate and reflect the true status of the account. Reporting a settled and resolved account as a charge-off/bad debt is harmful to my credit profile and does not meet these standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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 submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XX/XX/year>

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX agreed to remove the account from my credit reports immediately once loan was paid in full and they never removed the account I just hired a lawyer to push the issue 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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disputed XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2025 XXXX supporting documents. The credit bureau did not complete its investigation within 30 days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Follow-Up and Escalation Complaint # XXXX ( XXXX  Reporting Inaccuracy : I.C. System, Inc. Account # XXXX ) Dear Consumer Financial Protection Bureau , I am writing to formally escalate my existing complaint, CFPB Complaint # XXXX, originally submitted on XX/XX/year>, regarding XXXX  continued reporting of inaccurate and unverified information on my credit file. 

Despite the passage of 60 days, the issue remains unresolved. XXXX  is reporting a collection account from I.C. System, Inc. ( Account # XXXX ) that I have disputed multiple times. This account is not valid and has not been substantiated with verifiable documentation from either XXXX  or I.C. System, Inc., as required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Reinvestigations ) and 1681e ( b ) ( reasonable procedures to ensure maximum possible accuracy ). 

This inaction is harming my credit profile, affecting my financial opportunities, and causing undue stress. I have made good faith efforts to resolve this matter through XXXX  and provided sufficient basis for removal or verification, which has not occurred in a reasonable time. 

I am requesting that the CFPB : Reopen and investigate this matter with urgency.

1. Require XXXX  to provide documented verification from I.C. System, Inc. or immediately remove the account.

2. Hold XXXX  accountable for its obligations under the FCRA.

3. Confirm resolution in writing once the matter has been addressed.

4. Please let me know if any further documentation is needed from my end.

Thank you for your attention and continued efforts in protecting consumer rights. 

Sincerely, 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 2025-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Am filing a complaint regarding Case Number : XXXX involving a payment sent in error to the wrong email address on XX/XX/year> via PayPal in the Amount of {$2000.00} On XX/XX/XXXX, upon realizing the mistake, I filed a dispute and immediately contacted PayPal Support by phone. During multiple calls with PayPal agents ( on recorded lines ), I was told that the funds were still on hold and had not yet been paid out. I requested the payment be canceled or prevented from being released to the wrong recipient. 

Despite this, on XX/XX/year>, I was notified that the case was closed, and the money was released to the wrong recipient. 

This outcome is unacceptable. I followed the proper steps, acted promptly, and received confirmation that the funds were still within PayPals control when I called. Therefore, I respectfully request : A full review and reopening of Case # XXXX Recovery or reimbursement of the funds sent to the incorrect recipient A written explanation for why my dispute was closed despite timely action and support intervention This matter is both urgent and disappointing. Please investigate and respond

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I got a AMEX gift card from American exoress for {$35.00}. I tried to used in XXXX to buy a gift card at XXXX XXXX  and XXXX XXXX. It got denied and called customer service they said try with another merchant. 

Here is the history of my card ending with XXXX Balance & Transactions Balance Summary XXXX Thru XXXX Value $ XXXX Transactions $ XXXX $ XXXX $ XXXX Balance {$35.00} Transactions DATE/DESCRIPTIONAMOUNT XX/XX/year>, XXXXXXXX XXXX  Declined - XXXX XXXX - XXXX - XXXXXXXX XXXX {$35.00} XX/XX/year>, XXXXXXXX XXXX Declined - XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX  {$35.00} XX/XX/year> XXXX XXXX XXXX Declined - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX {$35.00} XX/XX/year> XXXX XXXX XXXX Declined - XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX {$35.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX the furnisher XXXX XXXX XXXX sent me documentation stating THEY DID NOT HAVE an account that mactched my personal information i contacted TRANSUNION and submitted the paper work to them as well.TRANSUNION submitted ILLEGALL documentaion to me stating the Furnisher had verified the information. ILLEGALLY IGNORING THE DOCUMENTATION I provided from the company. 

XXXX XXXX I SUBMITTED A FINAL NOYICE TO RESOLVE THE ILLEGAL TACTICS BY TRANSUNION, in which has yet to be responded to. 

which the MANDATORY ( 30 ) DAYS HAS EXPIRED

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: CO

Complaint narrative:
XXXX XXXX said my card was compromised on XX/XX/XXXX and canceled that card I had them send me a replacement card and when I called to activate the card they had changed my address and they said I gave the wrong information and declined to activate my card and I didn't change my address so it has been 4 months since I had any money I have lost my vehicle because of their mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: CA

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-07-07 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: MD

Complaint narrative:
To Whom It May Concern, Upon reviewing my credit report, I found multiple inaccurate and misleading entries which I am formally disputing under the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). Specifically : 1666 ( b ) ( 4 ) : The creditor failed to reflect payments properly.

1666 ( b ) ( 5 ) : There is a computation or similar accounting error.

1681i ( a ) : You are required to conduct a reasonable reinvestigation of disputed information.

According to my records, I was not sent a billing statement with at least 21 days notice, which is a legal requirement. As a result, any late payment reporting is invalid. Furthermore, the creditor has failed to provide proper evidence to support the claims made on my credit report. No original billing statements, payment histories, or verifiable documentation have been supplied only generic responses and unverified information.

If the information can not be fully verified, 15 U.S. Code 1681i ( a ) ( 5 ) clearly states that it must be deleted or blocked from the report. Continuing to report unverified or inaccurate data is a direct violation of the FCRA.

As such, the following accounts must be immediately updated to Paid as Agreed or removed entirely : XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-07 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: FL

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax data breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been '' verified '' and leaving the fraudulent entries on my credit report. This denial has caused me significant distress, which has negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and my financial standing. Specifically, I faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equitax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-07 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: FL

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax data breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been '' verified '' and leaving the fraudulent entries on my credit report. This denial has caused me significant distress, which has negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and my financial standing. Specifically, I faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equitax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-07 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: MD

Complaint narrative:
To Whom It May Concern, Upon reviewing my credit report, I found multiple inaccurate and misleading entries which I am formally disputing under the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). Specifically : 1666 ( b ) ( 4 ) : The creditor failed to reflect payments properly.

1666 ( b ) ( 5 ) : There is a computation or similar accounting error.

1681i ( a ) : You are required to conduct a reasonable reinvestigation of disputed information. 
According to my records, I was not sent a billing statement with at least 21 days notice, which is a legal requirement. As a result, any late payment reporting is invalid. Furthermore, the creditor has failed to provide proper evidence to support the claims made on my credit report. No original billing statements, payment histories, or verifiable documentation have been supplied only generic responses and unverified information. 
If the information can not be fully verified, 15 U.S. Code 1681i ( a ) ( 5 ) clearly states that it must be deleted or blocked from the report. Continuing to report unverified or inaccurate data is a direct violation of the FCRA.

As such, the following accounts must be immediately updated to Paid as Agreed or removed entirely : 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 2025-07-07 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: Chime Financial Inc
State: FL

Complaint narrative:
I transferred money to a chime account I had to send a transfer I only wanted it to go to checking somehow the money got split an they automatically paid off my credit card for XXXXXXXX XXXX I needed that money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Sent in a validation notice to contest the debt before it was legally supposed to be reported. I did not believe a proper validation of the debt notice. And they still reported the debt prior to the debt being disputed, and communicated with with while the debt was in dispute. From records show that they started reporting on my report on XX/XX/XXXX, and I didn't receive notice during that time. And I sent in a dispute within the time frame for the account not to show before being validated. I am now asking for the investigation taken into this account before reporting the debt. Midland Credit Management debt collection agency, I also sent them a cease and desist, and that I would not pay, and they still violated the law because of not have permissible purpose to report on my credit report under the FDCPA - Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. : Section 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) : If you dispute a debt in writing within 30 days of receiving the initial notice, the debt collector must cease collection activities, including reporting to credit bureaus, until they provide validation of the debt. Validation includes proof of the debt 's existence, amount, and their right to collect it. 
Section 805 ( c ) ( 15 U.S.C. 1692c ( c ) ) : After receiving a written cease-and-desist request, the debt collector must stop communicating with you, except to confirm cessation, invoke remedies, or notify intent to invoke remedies. 
Section 806 ( 15 U.S.C. 1692d ) : Prohibits harassment or abuse, which could include continued contact after a cease-and-desist request.

Section 807 ( 15 U.S.C. 1692e ) : Prohibits false or misleading representations, such as reporting a debt as valid without proper validation.

Company response to consumer: Closed with explanation