vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-14 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:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year>, PayPal transferred {$1100.00} from my PayPal balance to issue me a paper check that was supposed to be mailed to my address at XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX. However, I never received the check. 

When I contacted PayPal, they told me the check had already been cashed, but I did not receive or cash it. This indicates that the check was fraudulently deposited by someone else. Despite providing my information and repeatedly contacting PayPal for help, they have refused to take responsibility or issue a replacement check

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
Accounts must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-14 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:
Accounts must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: DE

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasble. The CFPBs finding indicates that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-10-14 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: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-14 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: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I am writing to dispute a XXXX XXXXXXXX XXXX XXXX  or account that was opened and charged without my authorization. I am the victim of identity theft. I did not open, authorize, or use this account or any charges on it. Please investigate and remove this fraudulent account and all associated charges from my credit report and your records. this statement to dispute and request the removal of fraudulent or inaccurate addresses that appear on my credit report. I am a victim of identity theft, and these addresses do not belong to me and have never been associated with my residence or employment. These false addresses were likely added to my credit file by an identity thief who used my personal information to open or attempt to open unauthorized accounts. I am requesting that the credit bureau investigate and permanently delete all addresses not linked to me. I am also writing to formally dispute an eviction record that has been wrongfully reported under my name due to identity theft. I am the victim of identity theft, and I did not sign, authorize, or participate in the rental agreement or eviction filing associated with this record. The eviction information appearing on my credit report is fraudulent and does not belong to me. I have never resided at the address linked to the eviction, nor have I ever had a lease or legal action filed against me by the landlord or property management listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: TN

Complaint narrative:
I am disputing multiple accounts reporting inaccurate, outdated, and unverifiable information on my credit file. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This account is inaccurate and unverifiable. I requested validation and the company failed to provide proof I owe this debt. I request it be investigated and deleted under FCRA 611 and FDCPA 809. 
XXXX. XXXX XXXX, XXXX & XXXX ( XXXX ) : XXXX is reporting inaccurate account details, including balance and status. The information has not been verified or updated. I request deletion of this account under FCRA 611. 
XXXX. XXXX XXXXXXXX XXXX Simple : XXXX is reporting duplicate and inaccurate information. The balance and status are incorrect, and they failed to verify after I disputed it. I request deletion under FCRA 611 and 623. 
XXXX. Possible Financial Inc : Possible Financial is reporting incorrect account details that were not corrected after dispute. The information is unverifiable. I request deletion under FCRA 611 ( a ) ( 1 ) ( A ). 
XXXX. XXXX XXXX XXXX : XXXX XXXX XXXXXXXX or its collection agency is reporting a debt I do not recognize. The account was never properly validated. I request investigation and removal under FCRA 611 and FDCPA 809.

All of these accounts have either incomplete, inaccurate, or unverified information, which violates federal law. I request that all five accounts be investigated immediately and deleted or corrected as required under FCRA and FDCPA. Supporting documentation, including my credit report and dispute letters, is attached. I expect written confirmation of resolution within 30 day

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC
State: TN

Complaint narrative:
I am disputing multiple accounts reporting inaccurate, outdated, and unverifiable information on my credit file. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This account is inaccurate and unverifiable. I requested validation and the company failed to provide proof I owe this debt. I request it be investigated and deleted under FCRA 611 and FDCPA 809. 
XXXX. XXXX XXXX, XXXX & XXXX ( XXXX ) : XXXX is reporting inaccurate account details, including balance and status. The information has not been verified or updated. I request deletion of this account under FCRA 611. 
3. Acima Digital FKA Simple : Acima is reporting duplicate and inaccurate information. The balance and status are incorrect, and they failed to verify after I disputed it. I request deletion under FCRA 611 and 623. 
XXXX. XXXX XXXX XXXX : Possible XXXX is reporting incorrect account details that were not corrected after dispute. The information is unverifiable. I request deletion under FCRA 611 ( a ) ( 1 ) ( A ). 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX or its collection agency is reporting a debt I do not recognize. The account was never properly validated. I request investigation and removal under FCRA 611 and FDCPA 809.

All of these accounts have either incomplete, inaccurate, or unverified information, which violates federal law. I request that all five accounts be investigated immediately and deleted or corrected as required under FCRA and FDCPA. Supporting documentation, including my credit report and dispute letters, is attached. I expect written confirmation of resolution within 30 day

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Inconsistent Charge-Off Reporting I am submitting this complaint regarding inaccurate and inconsistent reporting of charge-off accounts on my credit reports maintained by Equifax, Experian, and TransUnion. The information reported by these three major credit reporting agencies does not match, and this inconsistency is materially impacting my creditworthiness. 

Specifically, the same charge-off account ( XXXX ) are being reported with conflicting details across the bureaus, including but not limited to the balance, charge-off date, payment history, and current status. Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Additionally, FCRA 611 grants me the right to dispute and have inaccurate or unverifiable information corrected or removed.

I have attempted to resolve this issue directly with the credit bureaus, but the discrepancies remain. I am requesting that the CFPB investigate this matter to ensure that the credit reporting agencies correct or remove any inaccurate, incomplete, or inconsistent charge-off information in compliance with federal law. 
I am submitting this complaint regarding inaccurate and inconsistent reporting of charge-off accounts on my credit reports maintained by Equifax, Experian, and TransUnion. The information reported by these three major credit reporting agencies does not match, and this inconsistency is materially impacting my creditworthiness.

Specifically, the same charge-off account ( s ) are being reported with conflicting details across the bureaus, including but not limited to the balance, charge-off date, payment history, and current status. Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Additionally, FCRA 611 grants me the right to dispute and have inaccurate or unverifiable information corrected or removed.

I have attempted to resolve this issue directly with the credit bureaus, but the discrepancies remain. I am requesting that the CFPB investigate this matter to ensure that the credit reporting agencies correct or remove any inaccurate, incomplete, or inconsistent charge-off information in compliance with federal law.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Inconsistent Charge-Off Reporting I am submitting this complaint regarding inaccurate and inconsistent reporting of charge-off accounts on my credit reports maintained by Equifax, Experian, and TransUnion. The information reported by these three major credit reporting agencies does not match, and this inconsistency is materially impacting my creditworthiness. 

Specifically, the same charge-off account ( XXXX ) are being reported with conflicting details across the bureaus, including but not limited to the balance, charge-off date, payment history, and current status. Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Additionally, FCRA 611 grants me the right to dispute and have inaccurate or unverifiable information corrected or removed.

I have attempted to resolve this issue directly with the credit bureaus, but the discrepancies remain. I am requesting that the CFPB investigate this matter to ensure that the credit reporting agencies correct or remove any inaccurate, incomplete, or inconsistent charge-off information in compliance with federal law. 
I am submitting this complaint regarding inaccurate and inconsistent reporting of charge-off accounts on my credit reports maintained by Equifax, Experian, and TransUnion. The information reported by these three major credit reporting agencies does not match, and this inconsistency is materially impacting my creditworthiness.

Specifically, the same charge-off account ( s ) are being reported with conflicting details across the bureaus, including but not limited to the balance, charge-off date, payment history, and current status. Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Additionally, FCRA 611 grants me the right to dispute and have inaccurate or unverifiable information corrected or removed.

I have attempted to resolve this issue directly with the credit bureaus, but the discrepancies remain. I am requesting that the CFPB investigate this matter to ensure that the credit reporting agencies correct or remove any inaccurate, incomplete, or inconsistent charge-off information in compliance with federal law.

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 2025-10-14 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief