vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Re : Dispute of Inaccurate Information 15 U.S. Code 1681i To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report under the provisions of the Fair Credit Reporting Act, specifically 15 U.S. Code 1681i, which requires credit bureaus to investigate any disputed information that I believe to be incorrect or incomplete.

Upon reviewing my credit report, I have identified the following incorrect entry : Account Name : XXXX Account Number : XXXX Disputed Information : Charge-off Accounts are not supposed to carry a balance. 
I believe this information is inaccurate for the following reasons : The Fair Credit Reporting Act requires credit bureaus to ensure the accuracy of information on your credit report. This account has been sold to another agency and therefore XXXX can no longer report this to the credit bureau. 
I am requesting that you investigate this matter as required by law, and I ask that you remove or correct this information if it is found to be inaccurate or incomplete. Please send me written confirmation once the investigation is complete. 
In accordance with 15 U.S. Code 1681i, you are required to complete your investigation within 30 days of receiving this dispute. If the information is found to be inaccurate or can not be verified, I request that you remove or correct it immediately. Additionally, if any new information is added or changed on my credit report as a result of this dispute, I ask that you send me an updated copy of my credit report. 
Please do not hesitate to contact me at [ your phone number ] or [ your email address ] should you require any further information or documentation. 
Thank you for your prompt attention to this matter.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Re : Dispute of Inaccurate Information 15 U.S. Code 1681i To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report under the provisions of the Fair Credit Reporting Act, specifically 15 U.S. Code 1681i, which requires credit bureaus to investigate any disputed information that I believe to be incorrect or incomplete.

Upon reviewing my credit report, I have identified the following incorrect entry : Account Name : XXXX Account Number : XXXX Disputed Information : Charge-off Accounts are not supposed to carry a balance. 
I believe this information is inaccurate for the following reasons : The Fair Credit Reporting Act requires credit bureaus to ensure the accuracy of information on your credit report. This account has been sold to another agency and therefore XXXX can no longer report this to the credit bureau. 
I am requesting that you investigate this matter as required by law, and I ask that you remove or correct this information if it is found to be inaccurate or incomplete. Please send me written confirmation once the investigation is complete. 
In accordance with 15 U.S. Code 1681i, you are required to complete your investigation within 30 days of receiving this dispute. If the information is found to be inaccurate or can not be verified, I request that you remove or correct it immediately. Additionally, if any new information is added or changed on my credit report as a result of this dispute, I ask that you send me an updated copy of my credit report. 
Please do not hesitate to contact me at [ your phone number ] or [ your email address ] should you require any further information or documentation. 
Thank you for your prompt attention to this matter.

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 2025-12-26 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: AZ

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 2025-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I received an e-mail about a payment to a seller " XXXX XXXX  '' for the amount of {$440.00}. 

I did not recognize this seller so immediately reviewed the transaction details. 

The e-mail address appeared highly suspicious and designed to appear as if it was a Paypal corporate charge. 

" You'll see " PAYPAL * PAYPAL '' on your card statement. '' Two tracking numbers for XXXX were provided : XXXX : Delivered XXXX, NY XXXX XX/XX/year>, XXXX XXXX XXXXXXXX : Delivered XXXX, TX XXXX XX/XX/year>, XXXX XXXX  I immediately filed a dispute for an unauthorized transaction to Paypal on the same day. 
I noted that the seller 's name was two famous actors combined into one. I noted that its impossible that the tracking was delivered over a month earlier to two separate addresses I have never lived at.

PayPal would later acknowledge these factors in a response e-mail but has chosen to never address them, failing to conduct even the most basic of diligence : " I can see why you believe this activity clearly points to fraud, particularly considering : * the use of a name that appears fabricated, * an email address designed to resemble a PayPal-related address, and * tracking information that does not appear to be legitimate.

You were also prompt in reporting this activity, which is important and has been noted. '' Within a few hours of filing the appeal it was rejected. Subsequent appeals have also been rejected. Paypal says that it will provide the documents for the basis of the decision, however, has failed to provide them.

This is highly concerning. This is not an immaterial amount of money and Paypal appears completely unaware of where it went. I am highly concerned about what kind of illicit operations this may be funding and this appears to violate very important Know Your Customer laws.

Paypals fast case rejection, obviously automated, and lack of a real appeals process displays no good faith to resolve issues, instead its clearly a barrier designed to deny claims until people drop it. Reports online on sites such as XXXX have postings by former Paypal agents claiming that this is routine, which would make Paypal complicit in fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: IL

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under 616617, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action.

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 2025-12-26 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: IL

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under 616617, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: PA

Complaint narrative:
To whom may it Concern, I am filing this formal complaint against the credit bureau for repeated violations of the fair credit reporting act ( FCRA ), specifically their failure to conduct a reasonable investigation and their continued reporting of fraudulent accounts on my consumer credit file. I have disputed multiple accounts that are the direct result of identity theft and fraud. These disputes were submitted multiple times through the credit bureau 's online dispute system and clearly stated that the accounts don't belong to me. Despite this, the credit bureau continues to " verify '' these fraudulent accounts without providing any evidence, documentation, or validation proving that the information is accurate or legally attributable to me. This pattern demonstrates a clear failure to conduct a reasonable investigation as required under FCRA 611. Automated or superficial verification processes do not satisfy the bureau 's legal obligation. Repeatedly marking fraudulent accounts as " verified '' without proper investigation constitutes willful noncompliance and reckless disregard for federal law. furthermore, the continued reporting of these fraudulent accounts is causing ongoing financial harm, credit denial, emotional distress and reputation damage. The credit bureau has been placed on notice multiple times that these accounts are fraudulent, yet they have failed to delete the inaccurate information as required under FCRA 607 ( b ). I am requesting that the CFPB required the credit bureau to immediately delete all fraudulent accounts that have been improperly verified.

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 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I disputed a credit card charge in the amount of {$29.00} in XX/XX/year>. The merchant provided various documents in late XXXX or XXXX, none of which validated the charge. The merchant did not have the cards CVC code or any form of signature showing I validated the charge in question. 

I immediately contacted Citi to raise this issue and was told the dispute would be reopened. I was told the charge would be suspended while the case was reassessed. As I would later discover, this did not happen. 

In XXXX, Citi sent me a statement showing the charge in addition to a late charge. Despite being told by the dispute department that I did not need to make payment, Citi had not removed the charge and had now assessed a late fee. 

I have called Citi XXXX or XXXX times to resolve this issue. Every time, I am connected to the dispute resolution team who have consistently reassured me that this issued would be handled. 

As of today. Citi has not removed the charge in question or the late fee. Citi continues to give me the run around without actually listening to me or looking into my claims. Citi has refused to remove the late fee from my account, despite the charge being in dispute this entire time. 

I would like the CFPB to help me make Citi do what is required by law and reverse the charge that was reported as unauthorized and for which the merchant has not provided any support to validate the charge was properly authorized.

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 monetary relief
Consumer complaint received 2025-12-26 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Today I decided to pull my credit report. I reviewed Equifax and noticed there were several inquiries tht I do not recognize. I am demanding for Equifax to delete the inquiries immediately Here are the inquiries that I do not recognize reporting on Equifax 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 I have filed an FTC report which is attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT CONTROL SERVICE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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:
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 the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-26 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX  Equifax & 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: WA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within XXXX  days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section XXXX & XXXX ) if you fail to comply with XXXX XXXX. 

As Consumer by law Disputed Items below should be Deleted in 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 explanation
Consumer complaint received 2025-12-26 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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