vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FinFit Holding Co, LLC
State: NV

Complaint narrative:
I called this company because i noticed that the payments were no longer coming out of my check ( this is the only way I have ever repaid my loan, the funds come directly out of my check before it hits my bank account, the company never resumed them and then reported at 30 day late payment on my credit report. I called multiple times to no avail, emailed the company as well and they responded with something that had nothing at all to do with the inaccurate late payment they placed on my credit file causing a XXXX point deduction, I have the right to have ACCURATE and truthful data on my credit file, please remove this from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a direct and aggressive complaint against Experian for intentionally blocking my ability to dispute credit issues, using manipulative scoring models, and running a conflict-ridden financial trap under the disguise of a credit bureau . 

First, I have been completely unable to submit a proper dispute regarding my credit score or account status. Experians system is deliberately designed to frustrate resolution it loops endlessly, gives no option to dispute score manipulation, and offers no way to speak to a real human being. This is a clear violation of the FCRA. 

Second, Experian is using XXXX XXXX, an outdated, inaccurate, and lender-irrelevant model. It grossly misrepresents my creditworthiness compared to my FICO scores and punishes me for behavior that should raise my score. They do not clearly disclose this, allowing consumers to make financial decisions based on false assumptions. 

Third and most egregiously immediately after checking my report, I was flooded with credit card and loan offers within 3 minutes. This is evidence that Experian is tracking my behavior and using it to target me with high-interest financial products based on the very score they manipulated.

This is a massive conflict of interest : they lower the score, then sell your financial profile to loan sharks, and then lower it further when you accept the bait. This is not consumer reporting ; this is consumer exploitation. 

I demand immediate investigation, forced disclosure of all scoring models used, access to dispute my score and profile properly, and a full audit of Experians behavioral marketing practices. I will not allow my financial life to be weaponized by a system rigged for profit. 

Sincerely, XXXX XXXX XXXX SS # XXXX ( XXXX ) XXXX Email : XXXX XXXX XXXX, FL 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 2025-06-28 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:
XXXX is reporting inaccurate information and reporting low XXXX  scores and been ongoing attached is proof of investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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:
XXXX is reporting inaccurate information and reporting low XXXX  scores and been ongoing attached is proof of investigation

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 2025-06-28 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:
My name is XXXX XXXX XXXX and Im filing this CFPB complaint because I am a victim of identity theft. There are accounts and hard inquiries on my Equifax credit report that I did not open or approve. These fraudulent accounts include XXXX XXXX ( opened XX/XX/XXXX, balance {$2200.00} ), XXXX XXXX XXXX for XXXX XXXX assigned XX/XX/XXXX, balance {$210.00} ), XXXX XXXX XXXX opened XX/XX/XXXX, balance {$0.00} but included in bankruptcy ), XXXX XXXX ( opened XX/XX/XXXX, charged off for {$940.00} ), XXXX XXXX ( opened XX/XX/XXXX, charged off for {$1000.00} ), XXXX XXXX XXXX opened XX/XX/XXXX, charged off for {$150.00} ), XXXX XXXX XXXX XXXX opened XX/XX/XXXX, balance {$630.00} ), and XXXX XXXX XXXXXXXX ( assigned XX/XX/XXXX, balance {$10000.00} for XXXX XXXX XXXX XXXXXXXX XXXX XXXX I did not apply for these accounts they were opened fraudulently. There are also multiple unauthorized hard inquiries including 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have filed an FTC Identity Theft Report ( # XXXX ) to prove this. I am asking Equifax to remove all these fraudulent accounts, collections, and inquiries, and to stop any collections related to them as allowed under the FCRA and FDCPA.

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 2025-06-28 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:
My name is XXXX XXXX XXXX and Im filing this CFPB complaint because I am a victim of identity theft. There are accounts and hard inquiries on my Equifax credit report that I did not open or approve. These fraudulent accounts include XXXX XXXX ( opened XX/XX/XXXX, balance {$2200.00} ), XXXX XXXX XXXX for XXXX XXXX assigned XX/XX/XXXX, balance {$210.00} ), XXXX XXXX XXXX opened XX/XX/XXXX, balance {$0.00} but included in bankruptcy ), XXXX XXXX ( opened XX/XX/XXXX, charged off for {$940.00} ), XXXX XXXX ( opened XX/XX/XXXX, charged off for {$1000.00} ), XXXX XXXX XXXX opened XX/XX/XXXX, charged off for {$150.00} ), XXXX XXXX XXXX XXXX opened XX/XX/XXXX, balance {$630.00} ), and XXXX XXXX XXXXXXXX ( assigned XX/XX/XXXX, balance {$10000.00} for XXXX XXXX XXXX XXXXXXXX XXXX XXXX I did not apply for these accounts they were opened fraudulently. There are also multiple unauthorized hard inquiries including 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have filed an FTC Identity Theft Report ( # XXXX ) to prove this. I am asking Equifax to remove all these fraudulent accounts, collections, and inquiries, and to stop any collections related to them as allowed under the FCRA and FDCPA.

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 2025-06-28 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: VA

Complaint narrative:
NOTICE TO CEASE AND DESIST XXXX XXXX XXXX Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I believe XXXX XXXX XXXX, understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX XXXX You have 4 business days after receipt of this Notice to block all the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of any debt to coerce payment of the debt by sending the letter dated XXXX ( see exhibit A ) and you can also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I hereby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: VA

Complaint narrative:
NOTICE TO CEASE AND DESIST XXXX XXXX XXXX Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I believe XXXX XXXX XXXX, understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX XXXX You have 4 business days after receipt of this Notice to block all the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of any debt to coerce payment of the debt by sending the letter dated XXXX ( see exhibit A ) and you can also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I hereby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.

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 2025-06-28 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: LA

Complaint narrative:
I've recently received a copy of my credit report bc I was denied employment and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. A charged-off account from XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXXXXXX ) is inaccurately reported on my credit report. The account was charged off on XX/XX/XXXX, but the credit report shows a past due balance of {$1600.00}, which is not allowed under Metro 2 and FCRA guidelines once an account is charged off. In addition, the payment history section continues to report CO ( charge-off ) status every month from XXXX  through XXXX, creating a false impression of ongoing delinquency. Once charged off, the payment history should not reflect additional missed payments or charge-offs. This reporting misleads lenders, artificially lowers my credit score, and violates FCRA 1681e ( b ), which requires credit bureaus and furnishers to ensure the maximum possible accuracy of reported information. It has caused me credit denials, employment issues, and emotional distress. This has been detrimental to my life and my credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: AZ

Complaint narrative:
I submitted a formal dispute to regarding inaccurate information on my credit report on XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to reasonably investigate disputes within 30 days of receiving them. However, this bureau failed to comply in the following ways : They did not properly investigate the issue I raised or the supporting documents I provided. 

I received a generic response with no indication of an actual review. 

The inaccurate information remains on my report, and I was not provided with any detailed findings This conduct mirrors recent enforcement actions, such as : CFPB v. Experian ( XXXX ) : Failure to conduct real investigations into disputes. 

CFPB v. Equifax ( XXXX ) : Improper re-insertion of removed data and disregard for consumer evidence. 

XXXX XXXX XXXX XXXX ( XXXX ) : A 4th Circuit case confirming legal inaccuracy as grounds for FCRA claims. 

Due to this failure to properly investigate, I experienced : A lower credit score impacting my ability to qualify for financing. 

Lost opportunities with lenders and unnecessary delays in loan approvals.

Emotional distress from prolonged inaccuracy and non-responsiveness.

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 2025-06-28 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: NV

Complaint narrative:
I called this company because i noticed that the payments were no longer coming out of my check ( this is the only way I have ever repaid my loan, the funds come directly out of my check before it hits my bank account, the company never resumed them and then reported at 30 day late payment on my credit report. I called multiple times to no avail, emailed the company as well and they responded with something that had nothing at all to do with the inaccurate late payment they placed on my credit file causing a XXXX point deduction, I have the right to have ACCURATE and truthful data on my credit file, please remove this from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: IA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-06-28 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: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-06-28 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
Dear Sirs, Dear XXXX XXXX Chief Executive Officer at PayPal Location : XXXX XXXX, California, United States, Dear Pay Pal Team, I sincerely thank you for your attention and clarifications. The key appeal and important point of the dispute with PayPal XXXX XXXX concerns the fact of their actions on my behalf without my will and without my request. Please do not refuse kindly to support me. The fact of acting on my behalf without my consent deeply hurts me and causes me moral suffering. 

I dare to note that an employee of PayPal XXXX arbitrarily, on his own account, without asking my consent and my will, initiated 3 cases on my behalf at the same time. This event is the key issue and the subject of the appeal. On what basis did your officer, without my consent, XXXX XXXX cases on my behalf. I did not make such a request. I request you to find out who acted on my behalf without my consent and authorization? On what grounds? 

I am writing to formally express my concern regarding certain actions taken on my PayPal account without my prior knowledge or explicit consent. It has come to my attention that one or more disputes ( cases ) were opened on my behalf by PayPal representatives without my authorization.

As a result of these actions : I was deprived of the opportunity to independently file legitimate claims against XXXX regarding a rental property that did not match its advertised description ; My consumer rights may have been compromised ; I have experienced both procedural and personal inconvenience due to the inability to pursue my complaint properly. 
I believe this may constitute a violation of : The PayPal User Agreement, which requires user consent for actions taken through the account ; The principles of fairness and transparency in commercial dealings ; Relevant consumer protection laws, including the Consumer Protection ( Fair Trading ) Act in XXXX. 
In light of the above, I respectfully requested the following : A thorough internal review of this situation to determine how these cases were initiated ; A clear explanation of the grounds and procedures by which these actions were taken ; If possible, reversal or correction of any action taken without my consent ; Assurance that no further steps will be taken on my behalf without my express permission ; I applied to PayPal XXXX XXXX with the following metter : Please note that I am submitting the complaint in good faith, seeking clarification and resolution. I sincerely hope that this issue can be resolved amicably and constructively. 
However, I cant receive the response from PayPal XXXX XXXX. I received only PayPal Acknowledgements of receiving and that my requests were submitted. 
Thank you in advance for your time and attention to this matter. I remain open to further communication and will gladly provide any additional information you may require. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: NY

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief