vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: SC

Complaint narrative:
I am writing to address an ongoing issue regarding inaccurate and misleading information on my credit report, despite my previous dispute letter sent to your company. I have recently reviewed an updated copy of my credit report and regretfully discovered that certain information remains unresolved and continues to be incorrectly reported. The consequences of your company 's non-compliance with relevant laws have had severe negative impacts on both my credit standing and reputation.

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 2025-07-10 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: FL

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification. 

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under 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 2025-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This letter serves as a follow-up to my previous complaint submitted last month regarding a fraudulent account that has been incorrectly reported on my credit file. I am reaching out once again to formally request your assistance in filing a complaint against NATIONAL CREDIT SYSTEM for their continued failure to address this matter appropriately. 

Account in Question : Creditor : NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX Balance : {$330.00} I have strong reason to believe that this account was opened fraudulently using my personal information. I did not open, authorize, or consent to the creation of this account, and its presence on my credit report is both erroneous and harmful. 

Despite several attempts to resolve this matter directly with NATIONAL CREDIT SYSTEM, they have failed to investigate or take corrective action. I have disputed this account multiple times, yet it continues to remain on my credit report, causing unjustified damage to my creditstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: CT

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-07-10 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 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 disputedentries. 
Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX Account Number : XXXX  Account Name : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TexasXXXX XXXX ( XXXX ) XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Request for Method of Verification per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Account Name : XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing in regard to a recent investigation you conducted concerning information I disputed in my credit file. I previously submitted a formal dispute about the accuracy of certain items on my credit report, and I have since received your response indicating that the information was " verified as accurate. '' Pursuant to my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting that you provide me with a detailed description of the method of verification, including : The name, address, and telephone number of each furnisher of information you contacted ; The method by which the information was verified ; Any supporting documentation provided by the furnisher ; and The name of the person or department at the furnisher that confirmed the information. 

As a consumer, I am entitled to know how you verified the disputed information, and I request a response within the time required by law. 

Please send the requested information to my address listed above. I appreciate your cooperation and attention to this matter. 

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 2025-07-10 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: IL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: MS

Complaint narrative:
I am disputing inaccurate address information reported by Equifax. Specifically, Equifax is reporting that my current address is XXXX XXXX XXXX, XXXX XXXX, XXXX address where I have never resided. This address is entirely incorrect and does not belong to me. 

I submitted supporting documentation to Equifax, including a Federal Trade Commission ( FTC ) Identity Theft Report, a W-2, and a bank statement, all showing that my correct and current address is XXXX XXXX XXXX, XXXX, XXXX XXXX. 

Despite providing this documentation, Equifax has failed to remove or correct the false address. This incorrect reporting is causing confusion and does not align with the data reported by XXXX  and XXXX, both of which correctly list my current address. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and consistent information. Equifaxs failure to update or correct this misinformation, even after proper notice and documentation, violates these requirements. 

I am requesting that Equifax immediately update my credit file to reflect only accurate address information and remove the XXXX XXXX, GA address entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
e : Dispute & Removal Request Mechanics Bank Account Sold to XXXX XXXX FCRA Violation Cited : 15 U.S.C. 1681i ( a ) ; 15 U.S.C. 1681s-2 ( b ) To Whom It May Concern : I am writing to dispute an inaccurate tradeline on my Equifax, Experian, and TransUnion credit files. XXXX XXXX  sold my auto loan to XXXX XXXX on XX/XX/2025, and the account was paid in full on that date. Despite this, my credit reports continue to show an open/charged-off tradeline under Mechanics Bank, which is both outdated and misleading. 

Disputed Account Details : Creditor : XXXX XXXX  XXXX XXXX Account Number : [ XXXX ] Date Sold & Paid in Full : XX/XX/2025 New Creditor : XXXX XXXX ( balance {$0.00} ) Under the Fair Credit Reporting Act : You are required to conduct a reasonable reinvestigation of disputed information and delete or correct inaccurate or unverifiable data. ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) Furnishers of information must reinvestigate and correct any reporting found to be inaccurate. ( 15 U.S.C. 1681s-2 ( b ) ) Because this tradeline is no longer accurate, I request that you : Delete the XXXX XXXX XXXX XXXX tradeline from my Equifax, Experian, and TransUnion files in accordance with 15 U.S.C. 1681i ( a ). 

Send written confirmation from each bureau once deletion is complete. 

Notify downstream recipients and resellers of my credit data that the XXXX XXXX  entry has been deleted.

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 2025-07-10 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: NV

Complaint narrative:
Case Information : Case # XXXX, : DOC # XXXX Company : California Department of Child Support Services ( DCSS ) Address : Find Local Office : XXXX XXXX XXXXchildsupport.ca.govXXXX Phone : ( XXXX ) XXXX XXXX. Complaint Details Issue : XX/XX/XXXX Incorrect information on credit report Old information not removed after 7 years " California DCSS has willfully violated the Fair Credit Reporting Act ( 15 U.S.C. 1681c ( a ) ( 4 ) ) by : Reporting outdated information : DCSS continues to report child support entries older than 7 years on my [ ExperianXXXX ] report ( see attached ), despite the FCRAs 7-year limit for negative items. 

Reporting inaccuracies : DCSS falsely labels my child support as " delinquent '' even though payments are automatically deducted via wage garnishment ( proof attached ). 

Ignoring disputes : I previously disputed this with Experian on XX/XX/XXXX, but DCSS failed to correct the errors.

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 2025-07-10 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : 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 2025-07-10 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:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : 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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues.

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 2025-07-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
On XX/XX/scrub> 2025, PayPal placed a limitation on my account and requested I verify my information. I submitted what was required, but on XX/XX/scrub> 2025, they permanently limited my account without providing any explanation. 

They claimed the decision was due to unusual activity and based on confidential risk models, but refused to give any specific evidence or allow an appeal. They are now holding {$63.00} of my funds for 120 days, citing internal policy. 

I have not violated any terms of service. I requested clarification and supporting documentation multiple times, but they responded only with vague, automated messages. This appears to violate consumer protection laws, including Regulation E, which protects consumers access to their own funds.

I am requesting : Immediate release of my funds A specific explanation of their decision Documentation justifying the account limitation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Re : Request for Method of Verification per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( XXXX ) Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing in regard to a recent investigation you conducted concerning information I disputed in my credit file. I previously submitted a formal dispute about the accuracy of certain items on my credit report, and I have since received your response indicating that the information was " verified as accurate. '' Pursuant to my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting that you provide me with a detailed description of the method of verification, including : The name, address, and telephone number of each furnisher of information you contacted ; The method by which the information was verified ; Any supporting documentation provided by the furnisher ; and The name of the person or department at the furnisher that confirmed the information.

As a consumer, I am entitled to know how you verified the disputed information, and I request a response within the time required by law.

Please send the requested information to my address listed above. I appreciate your cooperation and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-07-10 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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