vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-04 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: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
After reviewing my credit report, I noticed that there are several inaccuracies present. These Accounts are reporting fraudulent and need to be removed due to 15 U.S.C 1635, 15 U.S.C 1692G, 15 U.S.C 1681i ( a ) ( 6 ) ( A ), 15 U.S.C 1681e ( b ) and Unfair Acts or Practices Excessive and Unreasonable Reliance on a Furnishers ACDV. Please remove these accounts immediately.

Under Section 605 of the FCRA, credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy in the information provided. These errors demonstrate a failure to uphold this standard, which has resulted in the misrepresentation of my creditworthiness.

As a consumer, Section 609 of the FCRA provides me with the right to dispute any information I believe to be inaccurate. I am exercising this right with regard to the accounts listed above, and I am requesting immediate removal or correction of this information.

Section 611 states that upon receipt of a dispute, the credit reporting agency must initiate a prompt investigation into the disputed items. If the information can not be verified or is found to be inaccurate, the agency must correct or delete the information. I am requesting that an investigation be conducted for each of the accounts noted above, with a timely correction or deletion in accordance with FCRA guidelines.

Additionally, Section 623 obligates furnishers of information to delete or correct any false postings within 30 days of receiving notification of a dispute. I request a written response within 30 days to confirm that the erroneous accounts have been corrected or removed from my credit report.

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 2025-09-04 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 am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report 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 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report shows late payment entries that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, the report must only include information that is accurate, complete, and verifiable. I request verification of these late payment entries, and if they can not be confirmed, I ask that they be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have requested a debt validation from the company, nothing has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc .

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc .

continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-09-04 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I asked for, and received, credit line increases on my BestBuy credit card on XX/XX/XXXX and XX/XX/XXXX of XXXX, and they both resulted in hard inquiries. It's not right to do a hard pull for the purposes of a credit line increase on an already existing credit card.

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 2025-09-04 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: IL

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 2025-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This complaint is being filed regarding a fraudulent account listed on my credit report. I deny ever authorizing, opening, or using this account. Its inclusion is false, misleading, and damaging to my credit history.

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 2025-09-04 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: TX

Complaint narrative:
CFPB Complaint Statement I am filing this complaint against TransUnion, Experian, and Equifax for their failure to remove fraudulent hard inquiries from my consumer credit file. These inquiries do not belong to me, and I never granted authorization, consent, or permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

I have disputed these inquiries as fraudulent directly with the credit reporting agencies, yet they continue to report them without providing any proof of authorization. This is a direct violation of FCRA 1681i, which requires a reasonable reinvestigation of disputed information, as well as FCRA 1681b, which prohibits furnishing a consumer report without a permissible purpose.

Furthermore, both TransUnion and Equifax have suffered confirmed consumer data breaches, in which my personal identifying information was compromised. Their negligence in safeguarding my information has directly exposed me to identity theft and unauthorized use of my credit profile. Instead of protecting me as a consumer, these agencies have allowed fraudulent inquiries to remain, further damaging my credit standing. 

I am demanding the immediate deletion of all unauthorized inquiries from my credit file and full compliance with federal law. If this matter is not resolved promptly, I reserve my right to pursue all available remedies under the FCRA, including statutory damages, attorneys fees, and additional claims for negligence in the protection of my personal data. 

Inquires 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 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 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/year> I ordered a door with sidelights from XXXX. After ordering, I thought things were settled and was ready to be installed, but then I received a call that the price had gone up by approximately {$450.00}. I was concerned about the change in price, because I had not agreed to that price. XXXX has recordings of these conversations so they may check to verify what I am saying to you. In a later conversation, I was told that they would honor the original price agreement except for some labor conditions. I asked what the labor conditions were. The person at XXXX would not specify what there labor conditions were. I asked that she send me an email stating the labor conditions under which I would be charged more. She agreed to send me an email, but I never received one. I might add that one person I spoke to at XXXX was rather unpleasant, which makes me uninclined to deal with XXXX. 
On XX/XX/XXXX I sent a letter to XXXX, and to XXXX Synchrony Bank explaining my concerns. Instead of a reply to my letter to XXXX Synchrony Bank, I received more bills from them. 
On XX/XX/XXXX I sent another letter to XXXX Synchrony Bank complaining that I did not believe that I should have to pay interest, and that furthermore I wish to cancel this credit card. I would rather pay with my own credit card since it is very difficult to deal with XXXX, XXXX Synchrony Bank, and the installer at the same time. I received no direct response from XXXX Synchrony Bank. All I got from then was a standard letter from them still billing me. XXXX credit card company is still charging me interest, and late fees. 
I contacted the XXXX XXXX Consumer Affairs XXXX. As a result I did eventually receive a call from a XXXX XXXX of XXXX customer relations office. After several conversations with them, he did say that they would no longer charge me the extra {$450.00}. 
Now the problem is that XXXX Synchrony Bank is still adding late charges and interest.

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 monetary relief
Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
RE : FORMAL FCRA/FDCPA DISPUTE REQUEST FOR PERMANENT REMOVAL Dear Compliance Department , This is a formal dispute under 15 U.S.C. 1681i and 1681e ( b ). The following entries are inaccurate, unverifiable, and must be removed : Accounts in Dispute XXXX XXXX XXXX XXXX  ( Acct ending XXXX ) Contradictory balance reporting. 
XXXX XXXX XXXXXXXX ( Acct ending XXXX ) Conflicts in charge-off vs. closed status. 
XXXX XXXX ( Acct ending XXXX  ) Incorrectly reported as open, late 120 days. Ongoing false reporting of dispute. 
XXXX. XXXX XXXXXXXX XXXX XXXX Acct ending XXXX ) Paid charge-off misclassified as derogatory. 
XXXX XXXX XXXX XXXX XXXX Acct ending XXXX ) Incorrect 120-day late reporting and balance discrepancies. 
Inquiry ( Unverifiable/ No Permissible Purpose ) XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, a transaction for {$9000.00} was deposited into my PayPal account. Since then, PayPal has placed an indefinite hold on these funds. 

Over the past several weeks, PayPal has repeatedly required me to provide multiple forms of verification, which I PROMPTLY SUBMITTED. I was later told that everything was CLEARED, yet my account is still restricted, and the money remains unavailable. Please see attached email directly from Paypal stating that my account was verified and hold were removed. 

I have contacted PayPal customer service daily. The representatives Ive spoken with have been unable to provide any clear reason or timeline for when my account will be released. There's no supersivor or escalation dept you can talk with. Every one I spoke with said they are the highest level of customer service i can speak with. At XXXX point, a representative told me the delay was due to a system outage. I find this unacceptable, PayPals internal technical issues should not prevent me from accessing my own money. 

I am also unable to reverse the transaction. This means my {$9000.00} has been completely inaccessible for more than three weeks. During this time, the lack of access to these funds has caused me financial stress and ongoing costs every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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:
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 2025-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
I recently open a car loan through bridgecrest to get a car through XXXX XXXX  I got approved a loan put a down payment of XXXX on XX/XX/year> they stated I needed XXXX so I had to wait XXXX more weeks to come up with the other XXXX went back was told all I need was XXXX put the XXXX down left with the car paid my payments on time to get a call on XX/XX/year> to say my payment of XXXX for part of the down payment failed so they saying the contract is no good now and they me to return the car asap I just don't understand

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
A late payment has been reported on my credit file in error. I have maintained a consistent record of timely payments, and the entry listed is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America I called and was informed that I mended to go into local branch and provide 2 forms of ID to receive money. 
I did that around XX/XX/XXXX I was then told that they would Mail check to me. 
Waited and waited Called again end of XXXX early XXXX and spent XXXX hrs on phone to be verified again.. 
Told check would be mailed .. waited and waited Still no check..

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