vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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: LA

Complaint narrative:
I am a victim of identity theft and have followed all requirements under 15 U.S.C. 1681c-2 ( FCRA 605B ) to have fraudulent accounts and inquiries blocked from my credit file. I submitted an FTC Identity Theft Report, police report, and a formal 605B request to Experian, Equifax, and TransUnion. These requests included all required identification and documentation proving the items in question were the result of criminal activity and not transactions I authorized.

Despite receiving my complete and timely submissions, each credit reporting agency has willfully and negligently failed to block and remove the fraudulent information. The disputed accounts and inquiries remain on my credit file, continuing to cause me financial harm, credit denials, and reputational damage. I have received responses from the CRAs that either ignore the 605B requirements or improperly verified the fraudulent accounts without legitimate reinvestigation or consideration of the evidence I provided.

Under 605B, the CRAs are required to block such information within four business days of receiving proper proof. Their refusal to comply is a direct violation of federal law and my consumer rights. This ongoing failure has prolonged the impact of the identity theft, causing me further distress, lost opportunities, and financial instability.

I am requesting that the CFPB take immediate enforcement action to ensure Experian, Equifax, and TransUnion comply with 15 U.S.C. 1681c-2, block the fraudulent information, remove the associated inquiries, and correct my credit files without further delay. Their continued noncompliance is unlawful and harmful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Re : Dispute of Collection Account Reported by XXXX XXXX  Account Balance {$510.00} Account Open Since XX/XX/XXXX To Whom It May Concern : I am writing to formally dispute the accuracy of the XXXX XXXX  collection account reported on my TransUnion credit report with a balance of {$510.00} and an account opening date of XX/XX/XXXX. 

This account is currently reported as open despite being placed for collection, and I have no knowledge of this account or any obligation related to it. The reporting of this account as open and placing it in collection status without proper verification is inaccurate and materially misleading. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy or completeness of information on their credit report. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not report information they know or have reasonable cause to believe is inaccurate. 

Case law affirms these protections : In XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), courts have held that credit reporting agencies must conduct meaningful reinvestigations when inaccurate information is disputed. 
In XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court emphasized the duty of furnishers to ensure the accuracy of the information they report. 
In XXXX v. XXXX University, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court ruled that reporting inaccurate information without proper verification violates the FCRA. 

Given my lack of knowledge or responsibility for this account, I demand the following : 1. A thorough reinvestigation of this XXXX XXXX  account. 
2. Removal or correction of the account if it can not be verified as accurate.

3. Provision of the verification documents or validation used to substantiate the reported information.

4. An updated credit report reflecting any changes made.

Failure to comply with these requirements constitutes a violation of the FCRA and may lead me to pursue remedies including filing complaints with the Consumer Financial Protection Bureau and seeking legal action under 15 U.S.C. 1681n & 1681o.

Please respond within 30 days of receipt of this letter as required by law. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: LA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-08-09 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-08-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
On XXXX I logged in to my account and noticed that my account showed my in-school deferment was ending on XXXX. I called Mohela customer service and had a problem with the customer service agent in inquiring about why my in school deferment was showing up as ending on XXXX, the first customer service agent was not helpful since she indicated my deferment would cover until the end of XXXX and that i probably should wait until XXXX to see if my school sends the updated information. I am not due to graduate until XX/XX/XXXX and tried to explain I dont understand why this was happening and was getting nowhere with the customer service representative so I requested to speak to a supervisor who I told I would rather submit an in-school deferment form. The supervisor had trouble locating the in-school deferment form but we finally located on the website and I was assured my account would not have any issues or anything due for XXXX. On XX/XX/XXXX I received a statement indicating I owe {$120.00} due on XX/XX/XXXX. I received the notice exactly 2 days after being assured my account was up to date XXXX and the same day I contacted my schools registrar and they indicated they submitted the correct information and dont understand why my in-school deferment is not showing up since I am enrolled half time until XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: SC

Complaint narrative:
I am filing this complaint against Equifax for reporting multiple inaccurate and harmful items on my credit report, despite my prior disputes. These errors have caused a drop in my credit score and have affected my ability to obtain credit. 

Wrong Addresses Equifax is reporting the following addresses that do not belong to me and have no connection to my credit history XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX I have never lived at these addresses. Their inclusion violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy.

Inaccurate Late Payments Equifax is reporting false late payments for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance {$0.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance {$0.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance {$0.00} ) These accounts were either never delinquent or have been paid in full. These inaccuracies harm my credit profile and are not supported by valid verification.

Inaccurate Charge-offs Equifax is reporting two accounts incorrectly as charge-offs : XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance {$8900.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance {$0.00} ) The XXXX account is inaccurately listed as a charge-off, and the XXXX XXXX account has a {$0.00} balance but is still being reported as a charge-off, which misrepresents its status. This is a violation of FCRA 1681i ( a ), as Equifax has failed to correct inaccurate information after disputes.

Despite my attempts to resolve these issues directly, Equifax has failed to conduct a reasonable reinvestigation, provide proper verification, or delete the inaccurate information. This is a violation of both FCRA 1681i and 1681e ( b ).

I request that the CFPB require Equifax to : Immediately delete all inaccurate addresses and accounts. 

Provide detailed documentation showing how each disputed item was verified. 

Implement proper data accuracy procedures to prevent future errors. 

These inaccuracies have caused ongoing financial harm, and I expect an immediate and thorough resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
I accepted the invitation from OneMainFinancial to check and see if I was eligible for a loan with NO IMPACT TO MY CREDIT REPORT. They offered me an UNSECURED loan which I attempted to accept because it was UNSECURED. When I spoke to the representative, she informed me that it would be a SECURED loan which I specifically said I was not interested in. I asked if they could remove the hard inquiry since they lied to me about what they were offering and they have chosen to ignore me after several attempts with them to have it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
On XX/XX/year>, PayPal without notice froze the {$2300.00} I had in my checking account/debit card account. All of the funds in the account were direct deposited from my XXXX XXXX  and VA XXXX payments. Further, they fully debanked me from their platform with no path to resolve the issue and has since been refusing to allow me to move my funds to another bank. 

I have a checking and savings account with PayPal. These accounts are backed by XXXX XXXX  ( Checking ) and XXXX XXXX ( Savings ). I was also issued a debit card from PayPal. PayPal has refused to give justification to why they debanked me. I use PayPals payment services to provide charity payments to organizations that PayPal has publicly stated could conflict with their terms of service. Given that PayPal has given no legal justification for debanking me from their service, the only assumption I can come to is their action was politically motivated as an attempt to reduce their reputational risk. Their actions are illegal and I wish for my case to be referred to the XXXXXXXX XXXX for adjudication. 

My only request of PayPal is to be able to move my funds and close my account. This request has been refused by PayPal since XX/XX/year>. Further, their response to my previous complaints have been non-specific and untrue. They continue to state I have access to my funds with is a lie. I have called PayPal 's customer service on numerous occasions and they always state that I can access my funds for any reason and I must wait the minimum of 180 days to inifinity before a final decision will be made. 

PayPal 's actions has caused a immense XXXX XXXX as my XXXX XXXX  and XXXX payments are the only source of income I have. I have not been able to pay my bills and everyday PayPal illegally holds my funds hurts my credit, causes me to get numerous daily calls from collections agencies, and ruins my financial reputation with the companies I do business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: Absolute Resolutions Corp.
State: GA

Complaint narrative:
XXXX  XXXX XXXX contacted them and told them Im a victim of identity theft they did nothing Absolute resolution - XXXX contacted them and told them Im a victim of identity theft nothing has been done XXXX XXXX - XXXX did a settlement ment offer and this creditor is still on my account XXXX XXXX XXXX victim of identity theft and they still havent removed it XXXX XXXX  - paid off and its still reporting in my credit as negative

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: FL

Complaint narrative:
After reviewing my credit report, I found several inaccuracies and a fraudulent account. Please remove this fraudulent account from my credit report immediately. It is hurting my ability to get credit.

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 2025-08-09 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: SC

Complaint narrative:
I recently viewed credit report and noticed I have fraudulent accounts listed. Please remove from my credit report as soon as possible. This is hurting my ability to get credit. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be 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 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am writing in response to a debt collection received regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Pursuant to my rights under the FDCPA, I request that you provide the following information : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a breakdown of all fees and interest 3. A copy of the original agreement or contract bearing my signature 4. Proof that you are authorized to collect this debt 5. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus. 
* Do not contact me at my place of employment. 
* Do not contact any third parties about this debt. 
If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. 
Please respond to this request in writing. I recommend all future communication be done via mail only. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX Re : Dispute and Debt Validation Request for XXXX XXXX  Account Balance {$800.00} Account Open Since XX/XX/XXXX To Whom It XXXX Concern : I am writing to dispute the accuracy of the XXXX XXXX  account reported on my Equifax credit report, showing a balance of {$800.00}. The account status is conflicting it is listed as open yet also noted as charged off, with an account open date of XX/XX/XXXX. Furthermore, the original creditor is not disclosed, which raises concerns about the accuracy and completeness of the reporting. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), Equifax is required to conduct a reasonable reinvestigation of any disputed information on my credit report. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers must report accurate information and correct any inaccuracies. 

In conjunction with this dispute, I am exercising my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, to request full validation of the alleged debt. 

Please provide the following : 1. The name and address of the original creditor. 
2. Documentation verifying my liability for this debt, including the original contract or agreement. 
3. A detailed statement of the balance of {$800.00}, showing any fees, interest, or charges. 
4. Clarification and verification of the account status, specifically whether the account is open or charged off. 
XXXX. Proof of authorization for XXXX XXXX to report and/or collect this debt. 

If you can not verify this information, please remove this account and all related negative information from my credit report immediately. 

Failure to comply with these requirements violates the FCRA and may result in legal action under 15 U.S.C. 1681n & 1681o. 

Please respond within 30 days of receiving this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation