vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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:
I noticed a past due account from a XXXX XXXX credit card on my credit report a while back, that showed the account was opened in XX/XX/year>. I have never opened a XXXX XXXX credit card, so I contacted XXXX XXXX about it and was told they would investigate it. XXXX XXXX never responded or provided me with any information about the account, or any proof that the account belongs to me. The account has since been sold to XXXX XXXX who I filed a complaint with recently and was closed in my favor. I want this account removed from my credit report because it does not belong to me, and I believe it was opened fraudulently. The account shows up only as account # XXXX and shows it was opened on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-11-28 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: MI

Complaint narrative:
I am disputing certain accounts and inquiries listed on my Experian credit report, as they appear to be inaccurate. Below are the details of the accounts and inquiries in question : Charged Off Accounts : XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX  - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX  - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX  - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX  - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$4900.00} XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$5900.00} XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$600.00} Inquiries : XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : 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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS.

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA.

BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING.

THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

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 2025-11-28 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: NC

Complaint narrative:
I am a consumer working to resolve inaccuracies on my credit report. I have identified several accounts that I believe are incorrect or need further investigation. Below is a list of accounts in dispute, separated by credit bureau : Charged Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, {$310.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$370.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1900.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$35.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$11000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$9800.00} XXXX XXXX XXXX  XXXX XXXX XXXX, XX/XX/XXXX, {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$580.00} XXXX XXXX, XX/XX/XXXX, {$2700.00} XXXX, XXXX, XX/XX/XXXX, {$5400.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX {$1300.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} Inquiries 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 2025-11-28 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: CA

Complaint narrative:
I am writing to dispute multiple items appearing on my TransUnion file. This is a formal request for reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and for correction/deletion based on violations of 1681e ( b ) maximum possible accuracy, as well as Metro 2 reporting standards.

Below are the accounts that are incomplete, inaccurate, and require deletion. 
XXXX. Department of Education / XXXX  All XXXX Accounts Account numbers ending in : 2010 XXXX XXXX XXXX XXXX Issues across all XXXX loans include : Reporting 120150 day late despite inconsistent dates across bureaus Reporting past-due balances that do not match Experian or Equifax Inconsistent XXXX Last Payment values Reporting delinquencies during periods where no supporting documentation was provided Violates FCRA 1681e ( b ) ( accuracy ) Violates Metro 2 Student Loan Reporting Guidelines Incomplete monthly history ( missing/blank months ) These inaccuracies prevent the data from meeting FCRAs accuracy standards. I request deletion of all XXXX tradelines. 
XXXX. XXXX XXXX Account # XXXX ( Closed ) Inaccuracies : Reporting XXXX late inconsistently across bureaus Past-due amount showing on a closed account, which is not a valid status Conflicting Date Last Active versus Date Updated fields Fails 1681e ( b ) compliance Incomplete data formatting under Metro 2 Request : Delete this account. 
XXXX. XXXX XXXX Account # XXXX ( Closed ) Inaccuracies : Reports 30-day late inconsistently vs XXXX/XXXX  Balance reported even though account is marked closed by credit grantor Conflicting dispute comments across bureaus Missing/incomplete payment fields Violates 1681e ( b ) and Metro 2 accuracy rules

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 2025-11-28 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: CARCO Group, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 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 Public records ( 0 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: MI

Complaint narrative:
I am filing this complaint because multiple wrong address continue to appear on my credit file despite prior disputes. These items violate my rights under the FCRA and I am requesting CFPB assistance.

ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> This address has never belonged to me, and your continued reporting of it after multiple disputes violates your obligations under FCRA 607 ( b ) to maintain maximum accuracy. No documentation has been provided showing I lived here, and reporting an address without verification violates FCRA 611 ( a ) when a consumer directly disputes the accuracy of the information.

I respectfully request the CFPB to require correction and deletion of this wrong address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: DC

Complaint narrative:
There is a fraudulent account from XXXX XXXX XXXX XXXX on my credit report. This is not my debt. I dont have any collections or late payments on my credit. I am a victim of identity theft and have an Identity Theft Report I can provide to support this. See attached documents. I request you to remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My PayPal account was permanently limited several years ago without a clear explanation. Since then, PayPal has been holding my {$170.00} USD balance. According to PayPals own policy, after 180 days of a limitation, I should be allowed to withdraw my remaining balance.

There are no disputes, no chargebacks, and no pending investigations on my account. I contacted PayPal multiple times requesting information and a solution, but I only received automated responses and no real explanation. PayPal has blocked my ability to withdraw my own money for years, which is unfair and unreasonable.

I am requesting that PayPal immediately unlock the withdrawal option and release my {$170.00} USD balance. I simply want access to my own funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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:
I am writing to formally dispute fraudulent information listed on my credit report, pursuant to my rights under 15 U.S.C. 1681c-2, and to request the immediate block and removal of this information. For evidence, I have attached a copy of my FTC Identity Theft Report ( FTC Report Number : XXXX ). 
As stipulated by 15 U.S.C. 1681c-2, upon the filing of an identity theft report, consumer reporting agencies are required to block any information identified by the consumer as stemming from the theft within four ( 4 ) business days.

The following items on my report are a direct result of identity theft and must be blocked : XXXX XXXX XXXXXXXX - XXXX In compliance with 15 U.S.C. 1681c-2, I respectfully request that these accounts be immediately frozen on my credit report. This block must remain in effect for a period of no less than one year, subject to extension, and during this time, no information related to these fraudulent accounts may be reported.

I have previously contacted the bureau on multiple occasions regarding these accounts, yet the matter remains unresolved. The continued presence of these inaccurate items is causing significant personal and financial hardship by obstructing my ability to secure financing for a home and other essential financial tools. Furthermore, these specific accounts have already been removed by other major credit bureaus after failing verification, which underscores the inaccuracy of their reporting.

In accordance with my rights, I also requested verification documents and contract copies from the furnishing companies for these accounts. After the legally permissible period has elapsed ( over 60 days ), I have received no response. Given the lack of verification and their fraudulent nature, I respectfully urge you to facilitate the immediate and permanent removal of these accounts from my credit file.

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 2025-11-28 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:
I am writing to formally dispute fraudulent information listed on my credit report, pursuant to my rights under 15 U.S.C. 1681c-2, and to request the immediate block and removal of this information. For evidence, I have attached a copy of my FTC Identity Theft Report ( FTC Report Number : XXXX ). 
As stipulated by 15 U.S.C. 1681c-2, upon the filing of an identity theft report, consumer reporting agencies are required to block any information identified by the consumer as stemming from the theft within four ( 4 ) business days.

The following items on my report are a direct result of identity theft and must be blocked : XXXX XXXX XXXXXXXX - XXXX In compliance with 15 U.S.C. 1681c-2, I respectfully request that these accounts be immediately frozen on my credit report. This block must remain in effect for a period of no less than one year, subject to extension, and during this time, no information related to these fraudulent accounts may be reported.

I have previously contacted the bureau on multiple occasions regarding these accounts, yet the matter remains unresolved. The continued presence of these inaccurate items is causing significant personal and financial hardship by obstructing my ability to secure financing for a home and other essential financial tools. Furthermore, these specific accounts have already been removed by other major credit bureaus after failing verification, which underscores the inaccuracy of their reporting.

In accordance with my rights, I also requested verification documents and contract copies from the furnishing companies for these accounts. After the legally permissible period has elapsed ( over 60 days ), I have received no response. Given the lack of verification and their fraudulent nature, I respectfully urge you to facilitate the immediate and permanent removal of these accounts from my credit file.

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 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I tend to lose many things, and it was on XX/XX/XXXX when I lost my phone. On XX/XX/XXXX I used my computer to check my email. I wanted to see when my new phone would arrive and thats when I noticed emails about a XXXX and XXXX dollar deposit that occured on XX/XX/XXXX. Following the deposits were XXXX withdrawls adding to a sum of XXXX dollars. It was in increments of XXXX, XXXX and XXXX dollars. On the XXXX and XXXX of XXXX, the withdrawls occured. I was left with XXXX dollars and emailed receipts from a randomn company called XXXX. I deleted all devices that were logged into paypal and requested a new debit card. I did not have acces to my phone and did not deposit or withdrawl any money. Someone probably used my lost phone and perfermed unauthorized transactions. i had to email my dad and he sent me XXXX dollars for food and stuff. Via Paypal 's Resolution Center, on XX/XX/XXXX, I initiated many cases hoping that Paypal could resolve the issue quickly. Today, XX/XX/XXXX, all cases got denied. I did ask paypal and wondered why Im not receiving my money back. I tried to initiate an appeal with Paypal, but its been hours and i still have no response. My friend recommended your website and said that you can help. I just want my stolen money and was hoping that you can help me get it back. If you have any questions or need additional infornation please reach out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
These accounts are not mine, and they should be taken off within 15 days per USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX XXXXcurent filings CFPD, also numerious calls to Capital One and I have voice recordings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
The stated information conveys an incorrect representation of my financial performance. I respectfully request that it be reviewed and updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: NJ

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS.

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 
BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 
THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: IL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief