vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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:
I am writing this third formal dispute regarding the inaccurate late payment reporting on several active accounts appearing in my credit file. Despite my previous submissions requesting correction and reinvestigation, these accounts remain improperly reported with false delinquencies that do not accurately reflect my payment history or account activity. Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611, you are legally obligated to ensure maximum possible accuracy in consumer credit reports and to promptly correct or update information found to be incomplete or incorrect. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Balance : {$30.00} Late 30 days XX/XX/XXXX and XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Date Last Active : XX/XX/XXXX Balance : {$4900.00} Late 30 days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date XXXX Date Last Active : XX/XX/XXXXXXXX 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

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 2025-11-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
During all of the following, PayPal credit set as preferred payment method. 

XXXX XX/XX/year> PayPal debited via XXXX from linked bank account for {$100.00}. 
XXXX XX/XX/year> PayPal debited via XXXX from linked bank account for {$62.00}. 
XXXX XX/XX/year> PayPal debited via XXXX from linked bank account for {$530.00}. 
XXXX XX/XX/year> PayPal debited via XXXX from linked bank account for {$120.00}. 

Only XXXX prior months was XXXX XXXX which was set up to use PayPal checking ( not PayPal credit ) and monthly payments of {$300.00} to PayPal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: IL

Complaint narrative:
The account was settled in full, but the credit report still lists delinquency remarks.

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 2025-11-06 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:
Several negative items on my credit reports witXXXX XXXX XXXX  and Equifax are being reported inaccurately and inconsistently. The information in question includes charge-offs, collections, and late payment histories that are not verifiable, contain conflicting balances, and differ between the three credit bureaus.

I have already submitted written disputes to each bureau under the Fair Credit Reporting Act ( FCRA 611 and 607 ( b ) ) and Metro 2 data-reporting standards. Each bureau continues to report this unverifiable information without providing documentation from the original creditors to support their claims.

These accounts remain outdated, incomplete, and inconsistent across all reports, which causes harm to my creditworthiness. I am requesting that the CFPB ensure each bureau conducts a proper reinvestigation and permanently deletes any items that can not be verified with original creditor records within the statutory timeframe. Please check out the attached supporting documents below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
VIOLATION XXXX : Failure to Conduct Reasonable Reinvestigation Equifax closed my dispute within XXXX ( XXXX ) business days without contacting the furnisher of information ( XXXX XXXX XXXX and/or the XXXXXXXX XXXX XXXXXXXX ) . This constitutes a direct violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 2 ), which mandate a reasonable reinvestigation and notification to the furnisher within XXXX ( XXXX ) business days pursuant to 1681i ( a ) ( 4 ). 
VIOLATION XXXX : False and Deceptive Reporting Status Equifax simultaneously reported a dispute as CLOSED while marking the same tradeline as Reinvestigation in Process on the identical consumer report. This constitutes a willful violation of 15 U.S.C. 1681i ( a ) ( 6 ) and directly contravenes CFPB XXXX XXXX regarding dispute resolution integrity. This deceptive practice misleads consumers and violates the accuracy requirements under 1681e ( b ). 
VIOLATION XXXX : Verification Without Reasonable Procedures Equifax reported the bankruptcy as verified despite receiving written confirmation from XXXX XXXX XXXX ( dated XX/XX/year> and XX/XX/year> ) explicitly stating the bankruptcy information is UNVERIFIABLE. Equifax failed to establish reasonable procedures to assure maximum possible accuracy as required by 15 U.S.C. 1681e ( b ). 
VIOLATION XXXX : Reporting Unverifiable Information The XXXX  court redacted my full Social Security Number pursuant to XXXX XXXX XXXX XXXX XXXX XXXX. The public record accessible via XXXX  displays only the last XXXX digits of the XXXX. A comprehensive XXXX  search using the full SSN yields NO RESULTS linking this XXXX  filing to my identity. Equifax can not demonstrate any legally sufficient basis for associating this bankruptcy with my credit file under 15 U.S.C. 1681c ( a ) ( 1 ). 
VIOLATION XXXX : Failure to XXXX XXXX XXXX XXXX issued a fraud block pursuant to 15 U.S.C. 1681c-2 covering the disputed bankruptcy information. Equifax has willfully refused to honor this legally mandated fraud block despite notice, in violation of industry-standard reciprocity obligations and the reasonable procedures requirement under 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Nelnet inaccurately reported late payments for my federal student loan for the months of XXXX, XXXX, and XX/XX/year>. At that time, I was not notified that my deferment period had ended. I was under the good faith belief that my loans remained in an active deferment status with no payment due. 

I became aware of the issue in XX/XX/year>, when I contacted Nelnet by phone and immediately enrolled in an Income-Driven Repayment ( IDR ) plan. Despite my prompt action, Nelnet furnished negative information to the credit reporting agencies, showing those three months as delinquent. This reporting is inaccurate and misleading because I had not been properly notified that payments were due, and the account was in a transitional period between deferment and an approved IDR plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am submitting this follow-up to formally dispute and request correction of two accounts that have been reported with inaccurate late payment information. Despite my consistent and verified payment history, XXXX XXXX XXXX XXXX ( balance {$10000.00} ) and XXXX XXXX XXXXXXXX ( balance {$0.00} ) are showing delinquent activity that does not align with my records. These inaccuracies materially misrepresent my creditworthiness and continue to negatively affect my credit report. Credit furnishers and reporting entities are required to maintain and report information that is accurate, complete, and verifiable, and these accounts have not been reported in accordance with those obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
XX/XX/year> Subject : Urgent Dispute of Inaccurate Credit Reporting XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am writing to formally dispute the inaccurate information reported on my credit report concerning multiple accounts with # XXXX * * * * and XXXX * * * * with different amounts with XXXXXXXX XXXX XXXXXXXX. Credit Report Account XXXX : Your agency is reporting this account as [ incorrect status ]. This account is closed, on time payments and I demand that it be updated to reflect that immediately. Payment History : Your records incorrectly show that I have made late payments on this account. The error shows on time payments then randomly jumps to 90 days late. These inaccuracies are damaging my creditworthiness and causing undue stress. Legal Obligations Under the Fair Credit Reporting Act ( FCRA ) Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair credit reporting. Specifically : 15 U.S. Code 1681i : I have the right to dispute any inaccuracies in my credit report. You are legally required to investigate and resolve this dispute within 30 days. 15 U.S. Code 1681e ( b ) : You are obligated to maintain reasonable procedures to ensure maximum possible accuracy of the information you report. Your failure to rectify this issue violates my rights under federal law. Immediate Action Required I am demanding the following actions be taken : Correct the inaccuracies : Update my credit report to show that the account is closed with a {$0.00} balance and accurately reflect my payment history as on-time. Provide Written Confirmation : I expect a written response confirming the correction of these errors and an updated copy of my credit report within the 30-day investigation period. This matter is urgent, and I expect your full cooperation. If this issue is not resolved to my satisfaction, I will not hesitate to escalate the matter and consider further legal action.Thank you for your immediate attention to this serious matter. I look forward to your prompt response.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this formal complaint as a victim of identity theft and a verified victim of the XXXX XXXX XXXX XXXX, which exposed my personal and financial data. As a result of this breach, multiple fraudulent accounts have been opened and reported in my name without my consent. 

I have provided all three major credit bureaus Experian, XXXX XXXX XXXX  with my Sworn Identity Theft Affidavit, FCRA 605B Deletion Request Letters, and proof of identity and residence. Despite these submissions, the bureaus have failed to remove several fraudulent accounts as required by FCRA 605B [ 15 U.S.C. 1681c-2 ], which mandates that credit bureaus block and delete identity-theft-related data within four ( 4 ) business days after receiving proper documentation. 
Fraudulent Accounts Remaining on My Credit Reports 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I identified XXXX or more credit inquiries that I did not authorize. These inquiries were made without my consent and do not meet the requirements for a permissible purpose under Section XXXX ( a ) ( XXXX ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXb, which limits the use of consumer reports to specific, authorized purposes. The inquiries in question are as follows : XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-11-06 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I am submitting to you with deep concern regarding several accounts on my Equifax, Experian and TransUnion credit report that have been inaccurately reported as having late payments, despite my consistent efforts to maintain timely payments and financial responsibility. After a thorough review of my credit file, I noticed that multiple open accounts are showing late payments that do not align with my actual payment history or the data reflected by the other credit bureaus. These discrepancies are not only misleading but also unfairly damaging my credit profile, which directly affects my credibility as a consumer. I am requesting a full reinvestigation of these accounts in accordance with the Fair Credit Reporting Act ( FCRA ) 602 ( A ) and 611 ( 15 U.S.C. 1681i ). 
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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I identified XXXX or more credit inquiries that I did not authorize. These inquiries were made without my consent and do not meet the requirements for a permissible purpose under Section XXXX ( a ) ( XXXX ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXb, which limits the use of consumer reports to specific, authorized purposes. The inquiries in question are as follows : XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-11-06 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I am writing this third formal dispute regarding the inaccurate late payment reporting on several active accounts appearing in my credit file. Despite my previous submissions requesting correction and reinvestigation, these accounts remain improperly reported with false delinquencies that do not accurately reflect my payment history or account activity. Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611, you are legally obligated to ensure maximum possible accuracy in consumer credit reports and to promptly correct or update information found to be incomplete or incorrect. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Balance : {$30.00} Late 30 days XX/XX/XXXX and XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Date Last Active : XX/XX/XXXX Balance : {$4900.00} Late 30 days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date XXXX Date Last Active : XX/XX/XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has repeatedly failed to correct my address and has now removed my entire address, blocking my access to my credit report. Ive submitted multiple letters and uploaded all required ID documents, yet Experian continues to mishandle my file. As a victim of identity theft, their refusal to allow me access to my own report and failure to maintain accurate information is a serious violation of my consumer rights and has caused ongoing hardship. I need immediate access restored and my correct address reported.

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 2025-11-06 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: CA

Complaint narrative:
I am a victim of identity theft. Multiple credit accounts were fraudulently opened in my name while I was a XXXX XXXX XXXX XXXX The following accounts were never authorized or used by me : 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 XXXX XXXX XXXX XXXX XXXX 

My credit file also contains false personal identifiers : names XXXX XXXX, XXXX XXXX, and XXXX XXXX ; and multiple addresses in XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  that are not mine. 

I have attached my SSN card, birth certificate, drivers license, utility bill, XXXX Police Report, and FTC Identity Theft Affidavit proving my true identity and date of birth. 

I request deletion of all fraudulent accounts, names, DOB errors, and addresses from my credit report under FCRA 605B and 611, and confirmation once corrected.

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 2025-11-06 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: TX

Complaint narrative:
Name : XXXX XXXX ), Social Security Number : ( XXXX ), Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 16810-2 ) that you, the Experian credit report agency, block information appearing on my consumer credit report that is the Identity theft and d fraud 4 business days of you receiving this comply fraud within 4 business days and of identity fraudulent, Inaccurate, and complaint. This of you receiving this complaint. This information consists of a personal credit card account opened at Self financial/lead bank Opened XX/XX/year> under the account number ( XXXX ), and XXXX XXXX XXXX account count opened at XXXX XXXX XXXX account number ( XXXX ). That appears related to the account fore mentioned personal loan account opened. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the you which shows the aforementioned fraudulent XXXX credit report maintained maintained by you which shows the XXXX XXXX XXXX items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing oe. All of the consumer credit report maintained by you were not opened, made, or initiated by me. aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are result of identity theft and fraud

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 2025-11-06 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 submitting this statement to your recent notice stating that a request regarding my credit information appeared not to have been sent or authorized by me. I would like to clarify that I, XXXX XXXX XXXX, am the authorized consumer making this request and wish to confirm my intent to review and correct any inaccurate or incomplete information in my credit file. Pursuant to the Fair Credit Reporting Act ( FCRA ) 611 [ 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 explanation