vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my notarized Affidavit of Identity Theft as evidence supporting my identity theft claim.

As per 15 U.S.C. 1681c-2, upon submission of an identity theft report or affidavit by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, including my notarized Affidavit of Identity Theft and supporting identification documents. Copies have also been sent to your agency via Certified Mail.

In addition, I request the immediate removal of the following fraudulent accounts from my credit report. 
ACCOUNTS : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DATE OPENED XXXX 2 ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DATE OPENED XXXX HARD INQUIRIES : 1 ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XX/XX/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 2025-10-31 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: GA

Complaint narrative:
The investigation did not fix an error on my 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 2025-10-31 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:
The investigation did not fix an error on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: SC

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am a freelance worker who received payment from a client for completed work. The payment was legitimate and the work was delivered ; our communications and the delivered document ( s ) are available and attached as evidence. 
Sequence of events : My client sent payment to my PayPal email XXXX ( the clients messages and my confirmation are attached ). 
PayPal initially placed the payment under a short review/hold and I was notified that they were reviewing it. PayPal temporarily held the funds for about 24 hours as part of their review. 
I was instructed by PayPal to upload/attach documentation to prove the payment and my relationship with the client. I complied fully and promptly : I uploaded the requested documents and provided all information PayPal asked for ( copies of my correspondence with the client, the work product, and other supporting documentation ). These files are included in my attachments. 
Despite providing all requested documentation and despite the payment being genuine, PayPal then imposed a permanent limitation/closure of my account and is preventing me from accessing or withdrawing the funds. I received no valid explanation for permanently limiting or closing the account. The only messages I received were instructions to provide documents ( which I did ) and a later notice that my account would be limited/permanently closed. 
There are prior successful payments from the same client to my PayPal account that were accepted and withdrawn with no issues copies of those messages/transactions are attached. This proves the payer is legitimate and that this transaction was consistent with prior transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, CA XXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, CA XXXX Incorrect XXXX : - XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXXXXXX, CA XXXX Employer - DEPARTMENT OF VETERA Employer - STATE OF CALIF VHC Y Listed below are the Accounts that are being challenged 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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. 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 2025-10-31 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: PA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center 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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have encountered difficulties accessing my Equifax account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: MI

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
I am writing respectfully to ask for your help in reviewing the accounts and inquiries listed below. I am currently trying to fix my credit and noticed several entries that may not accurately represent my account history. Im asking for a fair review and verification under the Fair Credit Reporting Act ( FCRA ). 

The accounts in dispute are : CHARGED OFF / COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
I deny any connection to these accounts ; remove them within 15 days in accordance with USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Mailed validation letter on XXXX LVNV Funding XXXX XXXX  XXXX XXXX, SC XXXX File # XXXX Re : Dispute of LVNV Funding on Credit Report To Whom It May Concern, I am writing to dispute the LVNV FUNDING listed on my credit report, which is associated with account number XXXX. I believe that there are inaccuracies in the reporting of this account, and I kindly request an investigation into its validity. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : I would like to bring to your attention the following concerns : Account Ownership : I have reason to believe that the LVNV FUNDING account is not associated with me. I have no record of any financial transaction or agreement with LVNV FUNDING, and I request that you verify the accuracy of this account 's ownership. 

Reporting Accuracy : LVNV FUNDING has not provided adequate documentation or validation of the debt in question. I request that you investigate and ensure that the information provided by LVNV FUNDING complies with the Fair Credit Reporting Act ( FCRA ) and is accurate. 

Timely Reporting : If this account is indeed valid, I request that LVNV FUNDING ensure the timely and accurate reporting of the account, including updates on the status and balance. I am familiar with the consumer law 15 U.S.C. Sec. 1681i ( a ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. If you cant provide proof, then these accounts must be deleted. If you can not update as requested, I expect all the accounts to be deleted immediately. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damage sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

Under the FCRA, it is my right to have inaccurate or incomplete information on my credit report corrected, and I urge you to conduct a thorough investigation into this matter. I kindly request that you provide a written response within 15 days of receiving this dispute letter, indicating the results of your investigation and any actions taken. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution and accurate reporting of my credit information. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
My federal student loan through the U.S. Department of Education ( servicer : XXXX  ) was officially discharged on XX/XX/year> under the Total and Permanent Disability ( TPD ) program. 

I submitted my official TPD discharge notice to Experian, Equifax, and TransUnion during their reinvestigation process. Despite this documentation, all three credit bureaus continue to report the account as open with XXXX delinquencies and an active balance. 

This reporting is inaccurate and violates the Fair Credit Reporting Act ( FCRA ) Sections 607 ( b ) and 611 ( a ), which require maximum possible accuracy and proper consideration of consumer-provided evidence. Department of Education regulations ( 34 CFR 682.402 and 685.213 ) also require that loans discharged under the TPD program be reported as closed with a {$0.00} balance.

Please compel the credit bureaus and Aidvantage to correct or delete this account and ensure it reflects Discharged {$0.00} balance across all three credit reports.

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 2025-10-31 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: CA

Complaint narrative:
My federal student loan through the U.S. Department of Education ( servicer : XXXX  ) was officially discharged on XX/XX/year> under the Total and Permanent Disability ( TPD ) program. 

I submitted my official TPD discharge notice to Experian, Equifax, and TransUnion during their reinvestigation process. Despite this documentation, all three credit bureaus continue to report the account as open with XXXX delinquencies and an active balance. 

This reporting is inaccurate and violates the Fair Credit Reporting Act ( FCRA ) Sections 607 ( b ) and 611 ( a ), which require maximum possible accuracy and proper consideration of consumer-provided evidence. Department of Education regulations ( 34 CFR 682.402 and 685.213 ) also require that loans discharged under the TPD program be reported as closed with a {$0.00} balance.

Please compel the credit bureaus and Aidvantage to correct or delete this account and ensure it reflects Discharged {$0.00} balance across all three credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: VA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 non-monetary relief
Consumer complaint received 2025-10-31 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: AR

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
Information requested from the credit bureaus, for proof of validation & verification and Accounting was never provided. received a generic response without requested information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief