vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding multiple serious inaccuracies on my credit report, as well as numerous unauthorized credit inquiries that have negatively impacted my credit profile. Despite my efforts to resolve these issues directly with the reporting agencies and creditors, the errors remain uncorrected. 

Specifically, the following issues are present : Incorrect Address Reporting : My credit report lists my address as XXXX XXXX XXXX XXXX, XXXX, GA XXXX, which is inaccurate. This error has caused confusion and potential harm to my credit reputation. 

Erroneous Account Reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, shows as a charge-off with a balance of {$570.00}. This information is incorrect. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX ), opened XX/XX/XXXX, shows as a charge-off with a balance of {$15000.00}. This is inaccurate. 

XXXX XXXX XXXX XXXX XXXXXXXX ), opened XX/XX/XXXX, shows a late payment of {$3000.00}, which is incorrect. 

Unauthorized Credit Inquiries : My report reflects multiple inquiries in XXXX, including XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and others. Many of these inquiries were not authorized by me and constitute a potential violation of the Fair Credit Reporting Act. 

These inaccuracies and unauthorized inquiries have caused undue stress and may have negatively impacted my creditworthiness. I request that the CFPB assist in investigating these issues and compel the credit reporting agencies and involved creditors to : Correct my address to reflect accurate information. 

Verify the legitimacy of all accounts listed and remove any incorrect or fraudulent accounts. 

Remove all unauthorized inquiries from my credit report. 

Provide written confirmation once these corrections have been made. 

Enclosed are supporting documents, including proof of my correct address and any correspondence I have had with creditors regarding these disputes. 

I respectfully urge the CFPB to act promptly to ensure these inaccuracies are corrected, as they are causing substantial harm to my financial reputation. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: CO

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 non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : Incorrect DOB - XX/XX/year> Incorrect Address - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect Address - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I assert that the erroneous late payment notations on my accounts are in breach of 15 USC 1666. My payment history has consistently been timely, and any conflicting entries are not only incorrect but also unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: AR

Complaint narrative:
I am submitting to formally dispute several inaccurate, incomplete, or unverifiable items appearing on my credit report maintained by your agency. These items are negatively affecting my credit profile and do not reflect accurate, up-to-date, or fully substantiated information. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute any information that I believe to be incorrect or unverifiable, and under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to protection from unfair or misleading debt collection and reporting practices. Accordingly, I am requesting a full and thorough investigation into the items listed below, which may include accounts that were closed or charged off without proper verification, collections reported without validation of debt ownership or liability, and credit inquiries that were made without my knowledge or consent. I request that you verify the accuracy, completeness, and legality of each item, and delete or correct any information that can not be fully substantiated. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$580.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/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 2025-10-21 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: AR

Complaint narrative:
I am submitting to formally dispute several inaccurate, incomplete, or unverifiable items appearing on my credit report maintained by your agency. These items are negatively affecting my credit profile and do not reflect accurate, up-to-date, or fully substantiated information. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute any information that I believe to be incorrect or unverifiable, and under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to protection from unfair or misleading debt collection and reporting practices. Accordingly, I am requesting a full and thorough investigation into the items listed below, which may include accounts that were closed or charged off without proper verification, collections reported without validation of debt ownership or liability, and credit inquiries that were made without my knowledge or consent. I request that you verify the accuracy, completeness, and legality of each item, and delete or correct any information that can not be fully substantiated. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$580.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: VA

Complaint narrative:
XXXX XXXX ), ( XXXX ), ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of all of those attached in dispute letters. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I an unable to attach/ generate a FTC report due to the government shutdown and the site being down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: VA

Complaint narrative:
XXXX XXXX ), ( XXXX ), ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of all of those attached in dispute letters. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I an unable to attach/ generate a FTC report due to the government shutdown and the site being down.

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 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, I found that my PayPal account had been permanently deactivated without any prior notification. I only learned of this after someone told me my payment link no longer worked. When I logged in, I saw the account was restricted and my balance of {$650.00} was frozen. 

The account was used to collect ticket payments for a high school XXXX class reunion, a one-time, non-commercial event. All funds were legitimate and transparently used for event expenses. 

After my PayPal account was deactivated, I transitioned to XXXX to process any future payments for the reunion event. That platform functioned properly and confirms that the PayPal issue was unrelated to the legitimacy of the event or the transactions. 

The event has already taken place, and there are no pending transactions or risk of chargebacks. 

PayPal has stated that the funds will be held for 120 days ( until XX/XX/XXXX ) but has not provided a specific reason for the permanent deactivation or the hold. I received no warning or email before the closure. 

I have complied with all verification requests and attempted to escalate through the Resolution Center and customer service multiple times by chat and phone, but I have not received any follow-up or substantive response. I have also filed a related complaint with the XXXX XXXX XXXX 

Supporting documents attached include screenshots showing the frozen PayPal balance ( {$650.00} ), the deactivation notice, related account alerts, PayPals customer service response citing the 120-day hold, and the reunion event flyer confirming the legitimate purpose of the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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:
PLEASE BLOCK AND REMOVE. 
I am experiencing ongoing distress due to this accounts presence. Ive attached the necessary evidence and respectfully request its immediate deletion.

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 2025-10-21 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: LA

Complaint narrative:
I am submitting this complaint against TransUnion for reporting multiple inaccurate and unverified items on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

Inaccurate Personal Information TransUnion is reporting the following wrong addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are not my addresses and should be deleted immediately. 

Accounts with Errors XXXX XXXX XXXXXXXX XXXX Reported late payment ; I have never made any late payments. 

XXXX XXXX XXXXXXXX XXXX Charge-off ; I have no knowledge of this account. 

XXXX XXXX XXXX  Charge-off ; I have no knowledge of this account. 

XXXX XXXX XXXX  Charge-off ; I have no knowledge of this account. 

XXXX XXXX XXXX XXXX Charge-off ; I have no knowledge of this account. 

XXXXXXXX XXXX XXXX XXXX Charge-off ; I have no knowledge of this account. 

XXXX XXXX XXXX XXXX XXXXXXXX ; not mine or verified. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; not mine or verified. 

These accounts are unverified and inaccurate. Under FCRA 611 ( a ) and 1681i, any unverifiable data must be removed. 

Unauthorized Inquiries The following inquiries were made without my consent and 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  ) Summary TransUnion failed to properly investigate and continues to report unverifiable and unauthorized information, violating FCRA 1681e ( b ) and 1681i ( a ).

Requested Resolution : Delete all inaccurate addresses, charge-off, and collection accounts. 

Remove all unauthorized inquiries. 

Correct the false late payment on XXXX XXXX. 

Provide confirmation of updated and accurate reporting. 

Thank you for reviewing my complaint and assisting in enforcing my rights under the FCRA.

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 2025-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Retail installment contract for a XXXX XXXX XXXX was executed on XX/XX/XXXX ( carbon copy ). Certified NY XXXX record ( temp reg XXXX ) and the dealers admission to XXXX XXXX confirm XX/XX/XXXX. However, XXXX XXXX XXXX reports the tradeline Date Opened as XX/XX/XXXX. On XX/XX/XXXX I sent a direct dispute under FCRA 623/Reg V ( XXXX proof XXXX. XXXX issued a denial on XX/XX/XXXX and a Credit Correction Confirmation on XX/XX/XXXX. The CRAs reflected balance changes within XXXX hours ( {$35000.00} {$34000.00} ), but the Date Opened remained incorrectXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) then closed reinvestigations leaving XX/XX/XXXX. The XXXX portal shows date mismatches ( e.g., received XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ) and a XX/XX/XXXX privacy notice disappeared XXXX XXXX after a litigation hold. The inaccuracy persists and causes harm. Please require correction of Date Opened to XX/XX/XXXX and documentation of the reinvestigation ( 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 2025-10-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
IC System returned unverified XXXX XXXX debt XXXX continues to report it What happened : I received notice that IC System , Inc. was attempting to collect on an alleged XXXX XXXX account. I mailed a formal debt validation demand to IC System under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) requesting full verification and proof of ownership. 

In response, IC System sent me a letter stating : Please accept this letter as confirmation that I.C. System will no longer pursue collection of this account and will return it to XXXX XXXX. 

This confirms that IC System could not validate the debt and therefore ceased collection activity, returning the account to XXXX. 

However, XXXX XXXX continues to report the account to the credit bureaus with a balance, even though no verification of the debt has been provided to me. 

This is a violation of : FCRA 1681s-2 ( a ) ( duty to report accurate information ), and FCRA 1681i ( failure to properly reinvestigate disputed information ). 

I request the CFPBs assistance to : Ensure XXXX XXXX provides full verification of the debt or deletes the entry ; Ensure IC System confirms closure of the account and no further collection ; and Ensure credit bureaus remove or correct the entry if it remains unverified.

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 2025-10-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Applied Data Finance, LLC
State: TX

Complaint narrative:
I made a payment arrangement for a missed payment on XX/XX/XXXX. The payment amount missed was {$240.00}. The arrangement was for a double payment to be taken out on XX/XX/XXXX on my next check date. The amount to be taken out was {$480.00}. 

Today on XX/XX/XXXX I get a notice that payments for other bills were being denied due to insufficient funds. I look and Personify Financial took a payment amount for {$240.00} today even though we had an arrangement set up. I am now incurring bank fees for this and I am now negative {$300.00} in the bank and climbing. 

I called in to ask why the payment was taken out today instead of the agreed upon day and I was not given an answer. I asked if the arrangement for {$480.00} was still set up. I was told it was, I then asked why if the {$240.00} was already taken out? I was not given an answer and the person I spoke to was confused on the payments placed me on a 15 minute hold then came back and said yes a payment was taken out and that she could fix the arrangement to just show 1 payment due on XX/XX/XXXX. I asked for the payment on XX/XX/XXXX to be reversed and the originally agreed upon arrangement be honored on XX/XX/XXXX so I could cover the negative amount. I was placed on hold and after 5 minutes I was told that the amount owed on XX/XX/XXXX was now {$240.00} and have a good evening. 


They did not honor the agreed upon payment arrangement, they put me under further mo XXXX strain and they seemed smug about it.

Company response to consumer: Closed with explanation