vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( XXXX ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Charged-Off Accounts XXXXXXXX XXXX XXXXXXXX Acct # : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX dispute this charged-off account. Please verify with the creditor and remove the account if it can not be fully validated. 

Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX I dispute these inquiries. Please verify whether they were authorized and remove them if they can not be validated. 

Late Payments XXXX XXXX  Acct # : XXXXXXXX XXXX XXXX Acct # : XXXX XXXX XXXX Acct # : XXXX I dispute these late payment entries and request verification. Any unverified information should be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Charged Off Accounts : XXXX XXXX XXXX XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$1100.00}. Please verify and provide the correct status for this account. 

XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$0.00}. Please verify and provide the correct status for this account. 

XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$2000.00}. Please verify and provide the correct status for this account. 

Inquiries : There are no specific inquiries listed for TransUnion in this case. 

Late Payments : XXXX XXXX ( Account : XXXX ) Dispute : The late payment reported for this account is incorrect. Please verify and provide the corrected status. 

XXXX XXXX XXXX  ( Account : XXXX ) Dispute : The late payment reported for this account is inaccurate. Please verify and provide the corrected entry. 

XXXX XXXX  ( Account : XXXX ) Dispute : The late payment listed for this account is incorrect. Please verify and provide the correct status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am reporting multiple accounts that have been placed on my credit report without my knowledge or authorization. I never opened, authorized, or managed these accounts, and their presence on my file is inaccurate and misleading. This unauthorized reporting misrepresents my financial history and has caused me significant concern given how closely I monitor my credit. I demand immediate clarification on how these accounts were added and who is responsible for reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX  XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
The information being reported is inaccurate, incomplete, and not properly verified as required under the Fair Credit Reporting Act. Under FCRA 607 ( b ) and 611 ( a ), furnishers and credit bureaus must ensure maximum possible accuracy and verify disputed data. Since this account and the related inquiries can not be fully verified with proper documentation or permissible purpose, I am requesting immediate deletion of all unverifiable, inaccurate, and obsolete information from my credit 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 2025-10-31 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: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently reviewed my credit reports and found several accounts that are being reported incorrectly or inconsistently by their furnishers. Ive tried to resolve these matters directly through the credit bureaus, but the information continues to appear with factual errors that are hurting my credit. Im now asking for CFPBs help to make sure these furnishers and the bureaus follow the law and correct or remove whats inaccurate. 

XXXX XXXX ( Acct No. XXXX ) This account is being reported as a collection, but Ive never received proper validation or documentation proving that the account was actually charged off or sold. The balance has stayed at {$7500.00} for months with no payment activity or updates, and the dates opened and last reported differ across the XXXX credit bureaus. 

I requested verification through the bureaus under FCRA 611, but no documentation such as a signed agreement or payment history was provided. Under XXXX XXXX standards, data that can not be verified must be corrected or deleted. 

XXXX. XXXX XXXX ( Acct No. XXXX ) There are clear inconsistencies in how this account is being reported : Equifax shows a balance of {$9000.00}, Experian and TransUnion both show {$13000.00}. 
The account status also changes between collection and charge-off, and the reporting dates dont match. These are factual errors that violate both FCRA 611 ( a ) and XXXX XXXX data-furnishing requirements, which call for consistent and accurate information across all repositories. 

XXXX. XXXX XXXX ( Acct No. XXXX ) This account shows a {$12000.00} balance on Equifax and TransUnion, but {$0.00} on Experian. Theres no consistent payment history or documentation showing who currently owns this debt. It is still being reported as an active collection, even though no validation or supporting documents have been provided. Furnishing unverifiable information is a violation of FCRA 623 ( b ) and XXXX XXXX Section 6.2.

Ive done everything a consumer is supposed to do I disputed these accounts directly with the credit bureaus, I asked for documentation, and I gave each company time to respond. Instead of getting clear proof or corrections, the same inconsistent and inaccurate data continues to show up on my reports. 

This situation is unfair and misleading. It affects my creditworthiness and makes it look like I have active collections that may not even be valid. Im not asking for special treatment I just want my credit reports to reflect verified, accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently reviewed my credit reports and found several accounts that are being reported incorrectly or inconsistently by their furnishers. Ive tried to resolve these matters directly through the credit bureaus, but the information continues to appear with factual errors that are hurting my credit. Im now asking for CFPBs help to make sure these furnishers and the bureaus follow the law and correct or remove whats inaccurate. 

XXXX XXXX ( Acct No. XXXX ) This account is being reported as a collection, but Ive never received proper validation or documentation proving that the account was actually charged off or sold. The balance has stayed at {$7500.00} for months with no payment activity or updates, and the dates opened and last reported differ across the XXXX credit bureaus. 

I requested verification through the bureaus under FCRA 611, but no documentation such as a signed agreement or payment history was provided. Under XXXX XXXX standards, data that can not be verified must be corrected or deleted. 

XXXX. XXXX XXXX ( Acct No. XXXX ) There are clear inconsistencies in how this account is being reported : Equifax shows a balance of {$9000.00}, Experian and TransUnion both show {$13000.00}. 
The account status also changes between collection and charge-off, and the reporting dates dont match. These are factual errors that violate both FCRA 611 ( a ) and XXXX XXXX data-furnishing requirements, which call for consistent and accurate information across all repositories. 

XXXX. XXXX XXXX ( Acct No. XXXX ) This account shows a {$12000.00} balance on Equifax and TransUnion, but {$0.00} on Experian. Theres no consistent payment history or documentation showing who currently owns this debt. It is still being reported as an active collection, even though no validation or supporting documents have been provided. Furnishing unverifiable information is a violation of FCRA 623 ( b ) and XXXX XXXX Section 6.2.

Ive done everything a consumer is supposed to do I disputed these accounts directly with the credit bureaus, I asked for documentation, and I gave each company time to respond. Instead of getting clear proof or corrections, the same inconsistent and inaccurate data continues to show up on my reports. 

This situation is unfair and misleading. It affects my creditworthiness and makes it look like I have active collections that may not even be valid. Im not asking for special treatment I just want my credit reports to reflect verified, accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS IS INACCURATE LATE PAYMENT.I WAS NEVER BEEN LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report contains late payment entries that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my credit report must include only information that is accurate, complete, and verifiable. I am requesting verification of these late payment entries, and if they can not be confirmed, I ask that they be corrected or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST COMMUNITY MORTGAGE, INC.
State: CA

Complaint narrative:
I received an alert from XXXX that I have a delinquent account, stating the following : Reported on XX/XX/XXXX, to XXXX  Account : FIRST COMMUNITY MORTGAGE Account number : XXXX Amount past due : {$0.00} Status : Late 30 Days Type : Commercial Banks Creditor address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL, XXXX I contacted First Community Mortgage, and they stated that I do not have any account with them. Furthermore, neither my credit report from XXXX  nor XXXX  is listing the account. However, XXXX  is listing the account as Transferred, the balance is {$0.00}, the original balance is {$210000.00}, opened XX/XX/XXXX, and reported XX/XX/XXXX. 
My question for all of them is : I never opened an account with First Community Mortgage. Even with the current data ( which is not correct ), the balance is {$0.00}, and I'm late? It does not make any sense ; its illogical. And because of all of this my credit score dropped XXXX point in the middle of getting a house equity loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
On or about XX/XX/XXXX PayPal permanently closed my account, [ XXXX ], citing [ Suspicious activity ]. 
As a direct result of this action, PayPal has placed a 180-day hold on my entire account balance of approximately [ {$5400.00} ]. I was informed these funds will not be released until approximately XX/XX/XXXX. 
I am formally disputing this decision. My account was closed without any prior security breach, notification of unauthorized activity, or clear violation of the terms of service that could be substantiated. I have attempted to contact PayPal directly on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but have been unable to obtain a sufficient justification for the closure or the release of my funds. 
An agent on XX/XX/XXXX said that the back team would send me an email so I could withdraw my funds but that email never came and when I called back on XX/XX/XXXX, they said that was not possible. ( all calls are recorded and monitored. ) I have a critical need for these funds I am facing financial hardship and the money is used for living expenses. The unwarranted withholding of my own capital for 180 days constitutes an undue financial burden and an unfair business practice.

Company response to consumer: Closed with explanation