vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint Regarding Improper Reporting of an Alleged Debt Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding an alleged debt that has been reported on my consumer report without proper notice, validation, or adherence to my rights under federal law. 

A company has reported an alleged debt to the credit reporting agencies without ever providing me with the legally required notification or communication of the debt. At no time was I furnished with a written notice of this alleged debt, nor was I informed of my right to dispute it. This practice, commonly referred to as parking a debt on a consumers credit file, is a deceptive and unlawful tactic that causes significant harm to consumers. 

Violations of My Rights : XXXX. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Under the FCRA, furnishers of information are required to ensure maximum possible accuracy of information reported to consumer reporting agencies. Reporting an alleged debt without notice or verification is a direct violation of these provisions. 
The act also provides me the right to dispute inaccurate or incomplete information. By failing to notify me of this alleged debt, the furnisher has deprived me of my ability to exercise these rights. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Section 1692g requires debt collectors to provide written notice of the debt within XXXX days of initial communication, including the amount owed and my right to dispute the debt within 30 days. No such notice has ever been provided to me. 
By reporting this alleged debt to the credit bureaus without contacting me first, the collector has engaged in unlawful practices and deprived me of my rights to dispute and request validation. 

Harm Suffered : The placement of this alleged debt on my consumer report without notice has damaged my creditworthiness and financial standing. It has also created confusion and distress, as I had no prior knowledge of the existence of such a debt until I discovered it on my credit file. 

Requested Resolution : I respectfully request that the CFPB investigate this matter and hold the responsible furnisher/debt collector accountable for violating my rights under the FCRA and FDCPA. I also request that this unverified and improperly reported debt be removed from my consumer report. 

Thank you for your attention to this serious matter. I look forward to your response. 

Sincerely, 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 2025-09-12 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:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

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 2025-09-12 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 2025-09-12 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: NM

Complaint narrative:
I am submitting this formal complaint against TransUnion for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing TransUnion with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX XXXX XXXX XXXX which the banks confirmed would be removed but remains on my report ; all of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. TransUnions refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

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 2025-09-12 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: MD

Complaint narrative:
My credit builder card which is supposed to be a secured credit card was reported 30 days late. However, per my screenshots from my mobile banking transactions the last time I used this card was XX/XX/XXXX and they took an incoming deposit to my checking automatically to satisfy any balance I had which brought the account to {$0.00}. I had paid the balance well before it was due. XXXX  claims that the secured credit builder card is associated with a seperate account that the money you add to it goes to and that when I charged the credit builder card I used spot me which is similar to a credit line and then when it was paid back it paid the spot me and not the credit card payment itself and that i had to submit a manual payment in the app even though they already had the funds. I was not aware this product even worked this way. I had only recently been able to even use the SECURED card without my funds being added to the card first to establish a credit limit so I had no idea i was even using spot me because i was not aware this product could be used on a secured credit card. I thought it was only for their checking account such as overdraft protection because thats what they primarily market it as. Bottom line, they had the money well in advance. I dont believe it is fair ro report a payment late if they had the money! I called several times regarding this issue and disputed through the credit bureau and they have only sent back generic responses and did not update.

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 2025-09-12 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 fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Accounts in Dispute : XXXXXXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Humble, Tx XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Subject : Debt Validation Request To Whom It May Concern, I am formally requesting validation of an alleged debt being reported and/or collected in my name. This letter is submitted pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which provides consumers the right to obtain complete verification of debts being pursued by debt collectors.

Please provide the following : The name and address of the original creditor.

The alleged account number and itemized statement of the debt, including principal, interest, fees, and any other charges. 

Documentation providing proof that I am legally obligated to pay this debt.

Verification of the collectors authority to collect on behalf of the creditor or information regarding ownership of the debt if it has been sold or transferred.

Copies of any judgments, contracts, or agreements bearing my signature, which establish liability for the debt.

The date and details of any last payment made on the account. 

Until full verification is provided, I dispute the debt in its entirety. Please also ensure that no negative information related to this debt is reported or continues to be reported to the credit reporting agencies until validation is complete. 
I request your acknowledgment of this dispute and validation request in writing. 
Thank you for your cooperation in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
on XXXX i had charged a customer {$200.00} for a transaction. XXXX  completed the transaction then froze my account till i verified my identity. i sent them all the info requested but in return i got a email saying they are terminating my account because of something that unresolved on the paypal network but will not give me any info on what that is or how to fix it. the XXXX is still in the XXXX  account that they have frozen and the refuse to give me access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-09-12 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: IL

Complaint narrative:
I have disputed multiple inaccurate accounts, a bankruptcy record, and unauthorized inquiries with TransUnion over 20 times. Despite my disputes and CFPB complaints, TransUnion continues to report unverifiable and inaccurate information, violating FCRA 611, 607 ( b ), and 623. 
TransUnion has failed to provide courthouse-verified documentation for a dismissed Chapter XXXX bankruptcy ( XXXX XXXX. XXXX, dismissed XX/XX/year> ). XXXX on XXXX or XXXX does not satisfy FCRA requirements. Reporting unverifiable bankruptcies and accounts such as XXXX and XXXX XXXX constitutes willful noncompliance. 
I demand immediate deletion of all unverifiable accounts, public records, and unauthorized hard inquiries, and request written confirmation of corrections. 

I have disputed accounts with Equifax over XXXX times, including XXXX XXXX and XXXX. Despite repeated disputes and CFPB complaints, these accounts remain on my report. 
This violates FCRA 611 ( failure to reinvestigate ), 607 ( b ) ( failure to maintain accuracy ), and 623 ( continued reporting after notice ). EXXXX repeated inaction shows willful noncompliance under 1681n. 
I demand immediate deletion of all unverifiable accounts and written confirmation of corrections. 

I have disputed the XXXX XXXX Rise Credit Card and multiple unauthorized inquiries with Experian more than 20 times. Despite disputes and CFPB complaints, Experian continues to report inaccurate and unverifiable information, violating FCRA 611, 607 ( b ), 623, and 604. 
This includes unauthorized hard inquiries from XXXX XXXX XXXX XXXX, Ally Financial, XXXX XXXX, XXXX XXXX, and othersnone of which I authorized. Reporting these inquiries is unlawful under 1681b ( f ). 
I demand immediate deletion of all unverifiable accounts and unauthorized inquiries, with written confirmation of corrections.

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 2025-09-12 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: IL

Complaint narrative:
I have disputed multiple inaccurate accounts, a bankruptcy record, and unauthorized inquiries with XXXX  over XXXX times. Despite my disputes and CFPB complaints, XXXX  continues to report unverifiable and inaccurate information, violating FCRA 611, 607 ( b ), and 623. 
XXXX  has failed to provide courthouse-verified documentation for a dismissed XXXX  XXXX bankruptcy ( XXXX XXXX. XXXX, dismissed XX/XX/year> ). XXXX on XXXX or XXXX does not satisfy FCRA requirements. Reporting unverifiable bankruptcies and accounts such as XXXX and XXXX XXXX constitutes willful noncompliance. 
I demand immediate deletion of all unverifiable accounts, public records, and unauthorized hard inquiries, and request written confirmation of corrections. 

I have disputed accounts with Equifax over 20 times, including XXXX XXXX and XXXX. Despite repeated disputes and CFPB complaints, these accounts remain on my report. 
This violates FCRA 611 ( failure to reinvestigate ), 607 ( b ) ( failure to maintain accuracy ), and 623 ( continued reporting after notice ). Equifaxs repeated inaction shows willful noncompliance under 1681n. 
I demand immediate deletion of all unverifiable accounts and written confirmation of corrections. 

I have disputed the XXXX XXXX XXXX XXXX XXXX and multiple unauthorized inquiries with XXXX  more than XXXX times. Despite disputes and CFPB complaints, Experian continues to report inaccurate and unverifiable information, violating FCRA 611, 607 ( b ), 623, and 604. 
This includes unauthorized hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and othersnone of which I authorized. Reporting these inquiries is unlawful under 1681b ( f ).

I demand immediate deletion of all unverifiable accounts and unauthorized inquiries, with written confirmation of corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
I am filing this complaint because all three credit bureaus are reporting an inaccurate late payment on my account with XXXX XXXX  account number ending in XXXX. The entry in question is listed with a late payment dated XX/XX/year>, showing a past due amount of {$0.00}. This reporting is both inaccurate and misleading. 

It is important to stress that an account showing a XXXX past due balance should not simultaneously reflect a derogatory late payment status. This contradiction violates the Fair Credit Reporting Acts requirement that consumer reporting agencies maintain accurate and consistent records. Under the FCRA, agencies must follow reasonable procedures to assure maximum possible accuracy of the information they publish. By allowing a late payment to remain on my record when no amount was ever past due, the bureaus have failed to uphold this obligation. 

The harm caused by this inaccuracy is not hypothetical. Lenders reviewing my credit file are led to believe that I mishandled this account when, in fact, there was never a past due balance to support such a negative report. This misrepresentation has damaged my creditworthiness, placed me in the position of explaining errors that are not mine, and exposed me to higher costs of credit and reduced financial opportunities. The presence of an unverified late payment can also cause lasting harm by unfairly lowering my credit score and mischaracterizing my history of responsible repayment. 

I have already disputed this matter, yet the bureaus have failed to correct the error. Instead of properly reinvestigating and ensuring that only verified and accurate information remains, they have chosen to preserve a clearly contradictory and false record. This is a direct violation of their duty under the FCRA to investigate disputed information and to delete or correct anything that can not be verified as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the 30-day statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$7400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$340.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$710.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00}

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 2025-09-12 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 submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the 30-day statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$7400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$340.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$710.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: NM

Complaint narrative:
I am submitting this formal complaint against Experian for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Experian with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the account in question include XXXX XXXX XXXX XXXX XXXX which the banks confirmed would be removed but remains on my report ; all of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. Experians refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

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