vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: FL

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.

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 2025-04-23 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: FL

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
Your response to CFPB XXXX fails to address the core of my complaint. While CPS has attached a copy of the alleged signed installment contract, they have not provided the full documentation required under the Uniform Commercial Code ( UCC ), including : Proof of assignment or ownership of the debt ( chain of custody ) Notice of default or right to cure prior to charge-off Post-collateral-sale disclosures under UCC 9-616 , if repossession or sale occurred These items are critical in determining whether the deficiency balance they claim is even legally enforceable.

Additionally, CPS 's claim that the tradeline is being reported accurately is demonstrably false. The account is closed and the last payment was made in XXXX  yet they continue to update the account
monthly with new CO ( Charge-Off ) notations well into XXXXdespite no new activity. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates the reporting of maximum possible accuracy. Repeatedly updating the charge-off status after the account has been closed and inactive misrepresents the account as currently delinquent, and this is considered re-aging. 

Furthermore, CPS is reporting inconsistent payment history across the three major credit bureaus. This contradicts their assertion that the tradeline is accurate. I have attached screenshots showing these discrepancies for reference.

Given the incomplete UCC compliance, the misleading monthly charge-off notations, and the discrepancies in reporting, I am reiterating my demand for the immediate deletion of this tradeline from my credit report. This account is being reported in bad faith, and I reserve the right to pursue additional remedies if this matter is not resolved. 

All future correspondence regarding this matter should remain within this complaint portal only to preserve a clear and verifiable paper trail. This statement shall also serve as a formal cease and desist for any communication via phone or mail outside this forum.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: NC

Complaint narrative:
i am a victim of identity theft. Someone has opened some car loans, personal loans and a credit card. Ive never gave anyone permission or authorization to open these accounts. This is really affecting my ability to obtain credit of take care of my family the way im supposed to. I cant get the dream job i want so all these negative things have set me back

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 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Subject : Dispute of Duplicate Charges XXXX  Online Purchases on XX/XX/year> Dear XXXX XXXX Department, I made a purchase on XXXX 's XXXX XXXX website for a total of {$860.00} associated with multiple individual transactions on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

However, the wedding registry website failed to process the transaction properlyit appeared to be stuck loading, and no confirmation of the purchase was displayed. Believing the transaction had not gone through, I refreshed the page and reattempted the purchase which should not have been allowed since it was a wedding registry. 

This resulted in a second transaction being completed at XXXX XXXX XXXX for the exact same items. While the amounts differ slightly due to a gift-wrapping fee, the items purchased were effectively duplicated. 

As a reminder, a wedding registry is a web page which listed items a couple wishes to be purchased for their wedding. Once purchased the item is marked as fulfilled so that no one else purchases that item. If this was an intentional purchase on the wedding registry website I should not have been able to make a duplicate purchase. 

This demonstrates that it was solely a website transactional malfunction as mentioned in my email to XXXX  customer service. 

These items were intended as a wedding gift for my son through XXXX wedding registry. Unfortunately, both sets of products were shipped, confirming that the system erroneously processed the order twice. 

To resolve the matter, I initially reached out to XXXX  using the contact email listed on their receipt : XXXX. I received an automated reply indicating that the inbox is unmonitored, which raises concerns about their stated customer service support for financial issues. 

Following this, I attempted to contact XXXX via phone. While I do not have a record of the call, I was informed that cancellations must be made within 30 minutes of order placementan unreasonable standard, particularly when technical issues on their website delayed my ability to act. 

As a result, I requested from both XXXX XXXX and Paypal that the total amount of $ XXXX duplicate and unintended transactionsbe reversed and refunded to my account. 

XXXX 's refused as well did Paypal refused and commented that they did not see any duplicated purchases which is incorrect in the data that I supplied to both XXXX XXXX and Paypal. 

After Paypal 's initial denial, I appealed to which paypal stated again that they did not see any duplicate purchases which is direct opposition to my data that I provided. it is clear that Paypal is not taking my case seriously nor is it looking at my information with clear vision.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Notice of Arbitration and Case Dismissal Request XXXX XXXX, 2025 To : [ XXXX XXXX XXXX Attorney 's Name ] From : XXXX XXXX Subject : Lawsuit Concerning Alleged Debt Request for Immediate Dismissal Dear Legal Department, I am writing regarding the lawsuit your firm has initiated against me, XXXX XXXX, on behalf of XXXX XXXX XXXX. This letter serves as a formal notice that the debt in question originates from a credit agreement with CitiBank, which included a binding arbitration clause. Per the terms of that agreement, any disputes arising from the account must be resolved through arbitration. 

By initiating a lawsuit rather than honoring the arbitration provision, your client has violated the terms of that agreement. Furthermore, your actions are in potential violation of the Fair Debt Collection Practices Act ( FDCPA ), as continuing legal collection efforts in disregard of the arbitration clause may constitute an unfair or deceptive practice. 

Accordingly, I demand that you immediately dismiss this case and cease any further legal actions. Please provide written confirmation within 10 days of receipt of this letter. Failure to comply will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), and any other regulatory or judicial remedy available to me. 

This letter serves as an assertion of my rights and is not a waiver of any other rights or defenses I may have. 

Sincerely, XXXX XXXX Please ensure that you see all the attached documents associated with this complaint and please use the CFPB as the portal for response to ensure proper receipt of documentation. 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 2025-04-23 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: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-23 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: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-23 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: NY

Complaint narrative:
Hello, my name is XXXX XXXX XXXX and I have personally written this complaint to bring to your attention an unauthorized negative account on my credit report. It will be addressed below. This has dropped my score and as a result I am unable to grow and improve my life as a new mom because of credit denials. This accounts is false and misleading and have been created without my approval or signature. I do not recognize or approve of it. I ask to have in investigated and removed as soon as possible. The 3 credit agencies refuse to help me. They place me on hold for hours with no Thank you very much! I have already created an FTC as well. 
Reference Number : XXXX Please help remove this collection. As I am protected by laws under 15usc1681eb for maximum possible accuracy. These accounts are false and misleading under law 15usc1692 section 807 and I asked to have them INVESTIGATED and REMOVED. 
Account below : XXXX XXXX Opened XXXX XXXX, 2023 2023

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 2025-04-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, my name is XXXX XXXX XXXX and I have personally written this complaint to bring to your attention an unauthorized negative account on my credit report. It will be addressed below. This has dropped my score and as a result I am unable to grow and improve my life as a new mom because of credit denials. This accounts is false and misleading and have been created without my approval or signature. I do not recognize or approve of it. I ask to have in investigated and removed as soon as possible. The 3 credit agencies refuse to help me. They place me on hold for hours with no Thank you very much! I have already created an FTC as well. 
Reference Number : XXXX Please help remove this collection. As I am protected by laws under 15usc1681eb for maximum possible accuracy. These accounts are false and misleading under law 15usc1692 section 807 and I asked to have them INVESTIGATED and REMOVED. 
Account below : XXXX XXXX Opened XXXX XXXX, 2023 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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:
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 non-monetary relief
Consumer complaint received 2025-04-23 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: RI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within Four business days, pursuant to section 605C of the Fair Credit Reporting Act. I'm a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX XXXX : 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

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 2025-04-23 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: NY

Complaint narrative:
TRANSUNION IS NOT IN COMPLAINACE WITH THE FRCA. THEY ARE IN VIOLATION OF FURNISHING INACCURATE INFORMATION AND FRADULENT INFORMATION. VIOLATING 15 USC 1681 1C-2. ALONG WITH 15 USC 1681 ( 7 ). THEY CLAIM TO HAVE BEEN AN INVESTIGATION ; HOWEVER, I WAS NOT INFORMED OF THE STEPS OF SAID INVESTIGATION. THE COLLECTIONS AGENCY IS NON-COMPLAINT AND TRANS UNION IS REPORTING INCUARLY FASLUE IN FORMATION. IN ACCORDANCE WITH 15 USC 1681C-2 I WOULD LIKE THIS INFORMATION PERMENTALY BLOCKED FROM MY CREDIT REPORT.

FRAUD : Fraud refers to dishonest behavior that deceives someone for personal gain. It can be both a civil issue and a criminal offense.

Definition of Fraud Noun 1 : Wrongful deception with the intent to gain personally or financially 2 : Intentional deception in order to persuade another person to part with something of value 3 : A person who pretends to be something or someone he is not

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 2025-04-23 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
TRANSUNION IS NOT IN COMPLAINACE WITH THE FRCA. THEY ARE IN VIOLATION OF FURNISHING INACCURATE INFORMATION AND FRADULENT INFORMATION. VIOLATING 15 USC 1681 1C-2. ALONG WITH 15 USC 1681 ( 7 ). THEY CLAIM TO HAVE BEEN AN INVESTIGATION ; HOWEVER, I WAS NOT INFORMED OF THE STEPS OF SAID INVESTIGATION. THE COLLECTIONS AGENCY IS NON-COMPLAINT AND XXXX XXXX IS REPORTING INCUARLY FASLUE IN FORMATION. IN ACCORDANCE WITH 15 USC 1681C-2 I WOULD LIKE THIS INFORMATION PERMENTALY BLOCKED FROM MY CREDIT REPORT. FRAUD : Fraud refers to dishonest behavior that deceiv
es someone for personal gain. It can be both a civil issue and a criminal offense.

Definition of Fraud Noun 1 : Wrongful deception with the intent to gain personally or financially 2 : Intentional deception in order to persuade another person to part with something of value 3 : A person who pretends to be something or someone he is not

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 2025-04-23 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: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : {$780.00} - Account # : XXXX XXXX XXXX - Balance : {$2200.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$110.00} - Account # : XXXX XXXX XXXX XXXX  - Balance : {$4300.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$7700.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief