vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
To Whom It May Concern, I am formally disputing two unauthorized inquiries on my ChexSystems report. The inquiries are from : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  on XX/XX/XXXX I did not authorize, apply for, or initiate any accounts or financial products with either of these institutions. These inquiries were not made with my permission. 

ChexSystems previously responded that these entries were verified as accurate. However, under the Fair Credit Reporting Act, you are required to maintain and provide proof that the information reported was obtained with my authorization. A verbal confirmation or general response from the furnisher is not enough. Verification must include real documentation, such as a signed application or proof of digital activity that confirms I initiated the inquiry.

If ChexSystems can not provide this documentation, then the inquiries must be deleted as required by federal law. If I do not receive confirmation of deletion or valid proof within 15 days, I will file a complaint with the Consumer Financial Protection Bureau and pursue legal action for violations of the Fair Credit Reporting Act. 

This is a final notice to investigate properly and delete any unverifiable inquiries from my report. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Last XXXX SSN : XXXX Phone : 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 2025-08-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: AR

Complaint narrative:
XX/XX/year> notified NewRez, via email submission, that I have a 100 % XXXX XXXX XXXX XXXX XXXX which qualified me for no property taxes under the Arkansas Code. I included the email confirmation from XXXX XXXX Treasurer regarding my property tax exemption as well as a copy of my most recent XXXX  XXXX Summary of Benefits. See attached. 
On XX/XX/year>, I received an electronic response via my personal email, from NewRez which acknowledged receipt of my request for a new escrow analysis. See attached Contact Us Reply XXXX. 
On XX/XX/year>, I downloaded my escrow account transaction history which showed that NewRez paid my insurance premium and pro-rated property taxes my balance at that time was {$11000.00}. See attached. 
As of todays date, I have not received any response to my request for a new escrow analysis with my current mortgage dashboard of XX/XX/year> showing my escrow account balance as {$16000.00} and my next mortgage payment escrow payment portion being {$2500.00} for XX/XX/year>. See attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-05 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: KS

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

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 2025-08-05 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: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/year>

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 2025-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am filing an urgent formal complaint against Experian for repeatedly refusing to investigate XXXX unauthorized hard inquiries on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ).

1. Unauthorized Inquiries ( No Permissible Purpose ) : The following XXXX hard inquiries lack any permissible purpose under FCRA 604 ( c ). I never applied for credit with these entities, nor did I authorize access to my credit file : Creditor Name Inquiry Date Scheduled Removal 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 XXXXXX/XX/XXXX Experians Violations : I disputed these inquiries on XX/XX/XXXX and again on via Certified mail. 

Experian refused to investigate, falsely claiming they were " verified '' without providing : Proof of permissible purpose ( FCRA 604 ( a ) ( 3 ) Evidence of my authorization ( FCRA 607 ( b ) This constitutes willful non-compliance with reinvestigation duties under FCRA 611 ( a ) ( 1 ) ( A ).

Impact : These fraudulent inquiries : Lowered my credit score by approximately XXXX points Expose me to ongoing identity theft risks

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 2025-08-05 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: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the Equifax, XXXXXXXX XXXX XXXX  data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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:
I observed a hard inquiry that I do not recall authorizing. I have not pursued any credit applications that would require such an inquiry, and the appearance of this item is both unexpected and troubling.

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 2025-08-05 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: FL

Complaint narrative:
This complaint details a new, distinct, and highly egregious FCRA violation by Experian, TransUnion, and Equifax, separate from any prior filings. It is not a duplicate, as it concerns a pattern of conflicting and willfully inaccurate data reporting across all three bureaus, substantiated by new evidence received on XX/XX/XXXX. 

For my XXXX, XXXX account ( # XXXX ), the information you are reporting is demonstrably contradictory : Contradictory Charged-Off Balance ( 15 U.S.C. 1681e ( b ) ) : My TransUnion and Experian reports both list the XXXX XXXX ' as {$1600.00}. However, my Equifax report lists the 'Charge Off Amount ' and 'High Credit ' as only {$910.00}. This is a fundamental factual discrepancy. 

Wildly Inconsistent Payment Histories ( 15 U.S.C. 1681e ( b ) ) : Each bureau reports a different payment history, proving at least two are factually false. 

TransUnion explicitly states, 'No payment history available to display '. 

Experian shows a detailed history with specific delinquencies and a charged-off period from XX/XX/XXXX to XX/XX/XXXX, followed by a period of XXXX XXXX ' from XX/XX/XXXX to XX/XX/XXXX. 

Equifax shows an entirely different history with contradictory entries. 

Re-reporting of a Debt Sold Years Prior ( 15 U.S.C. 1681s-2 & 1681e ( b ) ) : My most recent Experian and Equifax reports now show a new 'CO ' ( Charge Off ) mark for XX/XX/XXXX. However, a Bill of Sale provided by XXXX XXXX [ cite : XXXX, Tyree_response.pdf, page XXXX ] proves XXXX XXXX sold this debt on XX/XX/XXXX. XXXX XXXX had no legal right to report a new charged-off event for a debt they sold years prior. By continuing to report this new false event, you are violating your duty to assure accuracy. 

This is not a mistake. It is an act of willful non-compliance. I am providing this unrefutable evidence, and if any human that reads this and allows no change, they are intentionally ignoring my undeniable proof of these violations and writing the law as they see fit. This conduct demonstrates a profound and knowing disregard for accuracy and my consumer rights, causing immediate, measurable harm.

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 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
b'Dear CFBP,\nI am a seller using PayPal. On XXXX XXXX XXXX, I received a payment of XXXX XXXX from a customer at XXXX. The PayPal payment (with the note) requested delivery to an address in XXXX XXXX I contacted the buyer via XXXX to confirm the address. I shipped the item to their address via XXXX XXXX XXXX XXXX After receiving the item, the buyer took a photo and posted it on XXXX  on XXXX XXXXThe buyer then filed a chargeback/dispute on XXXX XXXX XXXX, abusing the chargeback process and falsely claiming an "unauthorized transaction."\n\nHowever, I have already shipped the item and provided PayPal with complete documentation, including:\n Tracking number: XXXX XXXX XXXX XXXX XXXX  Delivery confirmation: XXXX XXXX XXXX Proof of communication with the buyer, address confirmation, and screenshots of the buyer\'s payment authorization.\n\nDespite this, PayPal sided with the buyer and deducted XXXXXXXX  from my account, even though the buyer actually paid only XXXX. PayPal also mistakenly deducted XXXX. No clear explanation was provided, even after I submitted valid proof of shipping and delivery. PayPal\'s current ruling still resulted in a significant financial loss of XXXX for me.\n\nThis decision is clearly very unfair, and PayPal seems to have ignored the seller\'s rights and obligations under its Seller Protection Policy.\n\nThe buyer initiated a total of three chargeback fraud transactions, all falsely claiming "unauthorized transactions." I was defrauded of over XXXX. The entire amount has been deducted by PayPal. I will submit a separate report on the details of the next two transactions.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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:
Im disputing Item : XXXX XXXX XXXX. It is unauthorized and by law FCRA section 605b you need permission to put things on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NJ

Complaint narrative:
Transunion Continues to allow fraudulent information to appear on my credit report This is the third account from this company that has appeared on my credit report within the last two months. This is a continuing issue and Transunion needs to fix this. Ive reached out to the company and they know me by first name at this point, they have sent me a letter for deletion, but it is still appearing on my credit report from Transunion. Please block and remove this information from my credit report and do not allow this to continue and violate my rights as a consumer and stops me from living a productive life that I work hard for.

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 2025-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I used XXXX to send a money transfer on XX/XX/year>, from the XXXX to my account number in XXXX. The money has still not been delivered, and it has now been XXXX  days. The transaction is showing as " Processing '' with no updates. I have contacted XXXX multiple times and have not received any resolution or refund. The recipient urgently needs the money, and this delay has caused serious hardship. 

Amount - {$2300.00} Transaction ID : XXXX Registered Email id - XXXX Full name - XXXX XXXX I request the CFPB to help escalate this issue and get my money refunded or delivered immediately. 

Company Name : XXXX XXXX ( a PayPal Service ) Website : XXXX XXXX XXXX PayPal is the parent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
b'I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act (FCRA), I5 U.S.C.  1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information (15 U.S.C.le(b)) and conduct a reasonable investigation of disputes raised by consumers (15 U.S.C.  1681). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed: XXXX XXXXREPORTING ON XXXX  AND TRANS UNIONXXXX XXXXREPORTING ON ALL BUREAU ( XXXX XXXX, AND TRANS UNION)XXXXREPORTING ON ALL BUREAU ( XXXX XXXX  AND TRANS UNIONXXXX XXXXREPORTING ON ALL BUREAU XXXX XXXX XXXX AND TRANS UNION)XXXX XXXXREPORTING ON ALL BUREAU ( XXXX XXXX  AND TRANS UNION)XXXXREPORTING ON TRANS UNIONXXXX XXXX XXXX AND TRANS UNIONXXXXREPORTING ON XXXX  AND TRANS UNIONXXXXDespite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C.  1681e(b) and  168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective 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 explanation