vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: FL

Complaint narrative:
I am filing to formally dispute several accounts that have been inaccurately and inconsistently reported on my credit file. The information shown on these accounts differs among credit bureaus, and certain details are unverifiable or factually incorrect. As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request reinvestigation and permanent removal of these accounts for failure to meet accuracy and verification standards. 
The accounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00} and high balance of {$110.00}, has been listed as a Late Open Account, which is inconsistent with my actual history. This reporting is misleading and violates FCRA 15 U.S. Code 1666 ( Correction of Billing Errors ), FCRA 611 ( 15 U.S.C. 1681i ), and FCRA 623 ( a ) ( 2 ). Since this information can not be verified as accurate, I request that this account be permanently deleted from my credit report. 
The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, showing a balance of {$0.00}, a high balance of {$500.00}, and a credit limit of {$300.00}, continues to report inaccurately across multiple bureaus. The account status and date fields do not match, and this inconsistency violates the duty to maintain accurate and up-to-date information as required by FCRA 15 U.S.C. 1666, 611, and 623 ( a ) ( 2 ). I dispute this reporting and request full deletion for being unverifiable and misleading. 
Additionally, the account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX reporting a balance of {$16000.00} and listed as Late Closed, is not accurately reported and remains inconsistent among credit bureaus. This violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), and 605B / 15 U.S.C. 1681c-2, which collectively require furnishers to report only complete and verifiable information. Due to these discrepancies, I request that this account be permanently removed from 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 non-monetary relief
Consumer complaint received 2025-10-15 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: OPORTUN FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Oportun sold your account to XXXX XXXX XXXX ( XXXX ). 

Once a debt is sold, Oportun no longer owns it and can not legally continue reporting it as owed, charged-off, or delinquent especially if it was already paid in full before the sale. 

If they failed to mark it paid/closed/zero balance before selling or if XXXX is reporting a false balance, thats a double violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

The key laws you can cite are : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must report accurate information.

FCRA 623 ( a ) ( 2 ) Must update and correct information thats no longer accurate.

FDCPA 807 ( 8 ) Prohibits communicating false credit information, including credit status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I have PayPal account. On XX/XX/year> someone hacked into my account and made XXXX withdrawals to an unknown account. {$300.00} and {$150.00} dollars. 

It was sent to XXXX XXXX ( XXXX ) from a device I never owned ( XXXX XXXX XXXX XXXX ) When I asked PayPal to dispute this transactions and refund they responded - We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use.

They closed the case without refunding me anything. I am very frustrated and feel helpless with both PayPal not providing level of security for my funds and allowing this to happen and also by not even apologizing and refunding me what was stolen!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: FL

Complaint narrative:
Despite being paid in full, this account still displays late payment notations.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite being paid in full, this account still displays late payment notations.

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 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MI

Complaint narrative:
My chime Checking account was hacked into ( online banking ) I received a text alert that my number was changed and the hacker took {$1200.00} on Thursday XX/XX/XXXX, I have filed XXXX disputes with chime and they were both denied. I even have a police report. I dont know this person can I please get help getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: NC

Complaint narrative:
I am submitting a follow up on a previous dispute concerning an item on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt. I continue to dispute the validity of the amount reported, as well as the ownership of the account. I am formally requesting that a thorough investigation be conducted. If the account can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the item be removed from my credit file in accordance with the Fair Credit Reporting Act.

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 2025-10-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My report shows collection accounts I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate credit file. I request a review of these entries, and removal if they can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: GA

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The money was transferred without my knowledge, but they are refusing to refund it, saying that I approved it on my phone. Even though I reported it to the police, they are refusing to do so. 

Bank Of America XX/XX/year> {$19000.00} XX/XX/year> {$17000.00}

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to dispute and request the deletion of all outdated or inaccurate personal information listed on my credit report. I have reviewed my file and found that multiple addresses and identifying details are still being reported that do not belong to me or are no longer accurate. 

Please be advised that my only correct and current address is : XXXX XXXX XXXX XXXX, XXXX  XXXX I am requesting that you delete all other addresses, prior addresses, former employers, or name variations that are listed on my file, as they are outdated and inaccurate. These entries may cause confusion or misidentification and have no permissible purpose to remain on file.

Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611 ( a ), you are required to ensure that only accurate, complete, and verifiable personal information remains on a consumers credit report. I expect the removal of all erroneous information within the 30-day period provided by law and a new copy of my updated report reflecting these changes.

Please find enclosed copies of my government-issued photo ID and a recent utility bill verifying my current address.

Thank you for your prompt attention to this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to dispute and request the deletion of all outdated or inaccurate personal information listed on my credit report. I have reviewed my file and found that multiple addresses and identifying details are still being reported that do not belong to me or are no longer accurate. 

Please be advised that my only correct and current address is : XXXX XXXX XXXX XXXX, XXXX  XXXX I am requesting that you delete all other addresses, prior addresses, former employers, or name variations that are listed on my file, as they are outdated and inaccurate. These entries may cause confusion or misidentification and have no permissible purpose to remain on file.

Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611 ( a ), you are required to ensure that only accurate, complete, and verifiable personal information remains on a consumers credit report. I expect the removal of all erroneous information within the 30-day period provided by law and a new copy of my updated report reflecting these changes.

Please find enclosed copies of my government-issued photo ID and a recent utility bill verifying my current address.

Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: CA

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 
XXXX Original creditor XXXX XXXX balance ; {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: LA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX 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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Early Warning Services, LLC
State: IA

Complaint narrative:
I am having a problem getting my XXXX, XXXX XXXX and Early Warning Sevices annual consumer report. I want XXXX, Early Warning Services and XXXX XXXX to mail me a complete copy of my annual consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I checked my credit report and saw accounts reporting that I do not recognize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: KY

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: KY

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-15 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have an Experian account and its connected to my old number but also when Im trying to update my account information, it wont send to my email so Im stuck in a abyss of going around in circles. Ive called Experian and they never answer the automated kol always says they cant help me and I should go online and do it myself and every time I do it myself it doesnt go work.

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 2025-10-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the items listed below were returned as " verified '' without providing me with the details of the investigation. 

Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account. 
A description of the procedures used to verify the accuracy and completeness of the disputed account. 
All documentation you have on file retrieved during your investigation.

Who did you interview regarding the aforementioned account?

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information.

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within 5 business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being.undefined ;

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 2025-10-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the items listed below were returned as " verified '' without providing me with the details of the investigation. 

Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account. 
A description of the procedures used to verify the accuracy and completeness of the disputed account. 
All documentation you have on file retrieved during your investigation.

Who did you interview regarding the aforementioned account?

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information.

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within 5 business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being.undefined ;

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc.
State: NJ

Complaint narrative:
Company did provide all the requested information .. Bill of sale .. forward flow agreement.. Documents proving they have the legal right to collect debts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
I requested via certified mail for validation of debt months ago, I have yet to recieve anything from them. Regulation F establishes for debt collectors regarding the chain of ownership and communications practices. Additionally, collectors must follow strict communications guidelines, including limits on call frequency, opt-out options for digital messages, and prohibitions on harassment or misrepresentation. 
Validation Notice Credit Reporting Communication Limits Digital Contact Harassment Protection No misrepresentation, excessive contact, or collection on unverifiable debts.

Company response to consumer: Closed with non-monetary relief