vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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 submitting this formal complaint against Experian for unlawful reinsertion of a previously deleted fraudulent account into my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ). The account in XXXX XXXX XXXX was previously removed following my identity theft dispute, for which I provided a valid FTC Identity Theft Report and supporting documentation. Experian has now reinserted this account without notifying me within five business days and without obtaining the required certification from the furnisher, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This constitutes a clear violation of the FCRA and has caused me emotional distress, reputational harm, and unnecessary hardship.

Experians actions reflect willful noncompliance with the law, entitling me to statutory damages under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), as well as punitive damages under 1681n ( a ) ( 2 ) for reckless disregard of my rights. I am demanding monetary compensation in the amount of {$1500.00} {$1000.00} in statutory damages and {$500.00} for emotional distress and reputational harm. I also reserve the right to pursue additional punitive damages as permitted by law. This complaint is supported by my formal dispute letter dated XX/XX/year>, which is attached and serves as legal notice of Experians violation and my demand for immediate corrective action. I am demanding the immediate and permanent deletion of all disputed accounts from my credit report and a complete, transparent record of the reinvestigation process, including the names of the entities that allegedly verified the account, the methods used, and all supporting documentation. I am also seeking monetary damages of {$1500.00} for the hardship caused by Experian 's negligence, including emotional distress and the time lost attempting to correct their errors. I do not consent to electronic communication and require that all correspondence be sent via USPS mail. Continued non-compliance will result in further legal action under FCRA 1681n and 1681o. I also reference In XX/XX/year>, the CFPB sued Experian for failing to properly investigate consumer disputes and continuing to report inaccurate data., as precedent for the seriousness of this complaint.

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 2025-09-04 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Account Name : XXXX  XXXX Account Number : XXXX To Whom It May Concern, I am writing to dispute an alleged late payment that appears on my credit report for the account listed above. This account is reporting by XXXX XXXX XXXX  to your agency XXXX  a late payment for Feburary XXXX to XX/XX/XXXX, which I believe is either inaccurate, outdated, or unverifiable. The Payment in question is identified as " late '' but I do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Reporting Act ( FCRA ) and related laws. 

Legal Basis for dispute : 15 U.S.C. 1681a ( 2 ), the term " Consumer Report '' does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself and XXXX XXXX XXXX  regarding this account should not be included in my consumer credit report. 

15 U.S.C. 1681a ( 2 ) ( a ) 1666, and 1637 ( b ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report. 

Request for action : If XXXX XXXX can not provide sufficient documentation to support the necessary proof of mailing or delivery of the required information, i request that this late payment be deleted from my consumer report. Failure to do so will be considered a violation of 15 1681s-2, which prohibits the reporting of inaccurate or unverifiable information. 
XXXX respectfully request that you take the appropriate action to remove this inaccurate late payment entry from my credit report within 10 calendar days of receiving this notice. 
Late payments in question XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. 

Thank you for your promnpt attention to this matter. I Look Forward to your response and indication the late payments have been removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
PLEASE BE ADVISED SOMEONE HAS OPENED AN ACCOUNT IN MY NAME AND HAS ALSO PLACED A NUMBER OF INQURIES IN MY NAME PLEASE SEE BELOW AND PLEASE ATTACHED FTC REPORT XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 NONE OF THESE ACCOUNTS BELONG TO ME MY NAME IS ALSO VERY COMMIN, IVE NEVER DONE BUSINESS FOR SIGNED A WRITTEN CONTRACT WITH ANY OF THESE COMPANIES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have reviewed my report and it has errors. I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I'm asking you to verify is accurate. XXXX XXXX XXXX XXXX. 
XX/XX/year>2022 {$4200.00}

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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I have reasons to believe that my Paypal account was involved in a scam. I have not used Paypal for a long time, then I started to receive information regarding a claim was filed for {$1700.00}. I called Paypal to report the problem and file a dispute, including a police report to XXXX XXXX XXXX XXXX ( Paypal 's headquarter city ) regarding the matter. Later that day, they responded with " case closed '' and immediately I received an email and I quote " We're no longer offering Paypal services for this account ''. I called them back and they basically said there is nothing they can do before I resolve the negative balance that was on the account. Paypal has disabled my account, I can not close the account, I can not request more information since they have started their debt collection efforts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: 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 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 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>2025 I was fraudulently induced by a caller posing as a Chase employee into sending money via XXXX under false pretenses. There were 2 transactions in the amount of {$2000.00} and {$500.00}. That makes this an unauthorized transaction under federal law, specifically Regulation E, which protects consumers against fraud in electronic transfers. 

XXXX  Complaint # XXXX XXXX  Complaint # XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
I called credit acceptance XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX inquiring about payment history including the amounts and forms of payment. Credit acceptance stated that they sold my debt to XXXX XXXX and XXXX XXXX  and that I should reach out to them directly. When I spoke with an agent from XXXX, the person stated that they dont have the information Im requesting. I made it clear to both parties that Ive been reviewing previous payment history and wanted to make sure their information is correct. I dont believe my DOFD is accurate. 

According to my payment records : My contractual monthly payment was {$440.00}. 
I first missed a full payment in XX/XX/XXXX. 
Although I made partial and occasional larger payments afterward ( including a lump sum in XX/XX/XXXX ), the account was never brought current after XX/XX/XXXX. 

Under the Fair Credit Reporting Act ( FCRA 605 ( c ) ), the DOFD must be reported as the first missed payment that was never again made current. In my case, this date is XXXX XXXX Credit acceptance has my DOFD as 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 2025-09-04 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: MD

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX - XXXX - Account not mine XXXX XXXX XXXX - XXXX - Account not mine XXXX  XXXX - XXXX - Account not mine

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 2025-09-04 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: TX

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial XXXX, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: MD

Complaint narrative:
Experian LLC XXXX XXXX volited code usc 1693 and 1681usc and 1601 usc these accounts must be removed XXXX XXXXXXXX acct and XXXX XXXXXXXX acct XXXX XXXXXXXX banking account all hard inquiries must be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: FL

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

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 2025-09-04 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-04 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 submitting this dispute to formally contest the accuracy of the accounts identified. As I did not authorize or open them, I request their deletion and an immediate investigation. Documentation is attached.

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 2025-09-04 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: HI

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 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 2025-09-04 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:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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 am disputing inaccurate and unauthorized information that Equifax is reporting on my credit file. 

Specifically, Equifax is showing a credit inquiry from XXXX dated XX/XX/year>2024 that I never authorized. This inquiry is unrelated to any credit transaction I initiated and does not meet the legal requirement of a permissible purpose under the Fair Credit Reporting Act ( FCRA ) 1681b. Reporting this inquiry without my consent or proper authorization violates my privacy and creates the appearance of credit activity that never occurred.

I have already disputed this directly with Equifax, but the inquiry remains. Equifax has not provided any verifiable documentation such as an application or contract bearing my signature that would justify this inquiry. Instead, the reporting continues, which is a direct violation of FCRA 1681i requiring a reasonable reinvestigation and 1681e ( b ), which mandates maximum possible accuracy.

In addition, my credit report contains outdated and unverifiable personal information such as alternate names and old addresses that I no longer use. Keeping this data on file after a direct dispute is misleading, inaccurate, and has no permissible basis for continued reporting.

This reporting is harming my financial reputation by suggesting unauthorized access to my credit file and by maintaining misleading personal information. It creates unnecessary risk when applying for credit or financing and causes ongoing XXXX and frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To whom It May Concern, I am writing to notify you that the above-referenced account, which you are reporting name of XXXX XXXX, is fraudulent and does not belong to me. This rep constitutes a violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 5 1 and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ).

Violations Noted : 1. 15 U.S.C. 1681s-2 ( a )
( 1 ) ( A ) - You are furnishing information to consumer re agencies that you know, or should know, is inaccurate.

2. 15 U.S.C. 1681s-2 ( b ) - After being notified of a dispute, you are required to reasonable investigation and correct or delete any information found to be i 3. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - The credit reporting agency must conduct a rea : reinvestigation within 30 days of my dispute. Your failure to properly validat results in continued inaccurate reporting.

4. 15 U.S.C. 1692e ( FDCPA ) - Prohibits false, deceptive, or misleading repre debt. Reporting and attempting to collect on a debt that does not belong to me is a violation of of my Identity.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am writing to formally dispute the accuracy of the reporting on my Capital One credit card account XXXX originally opened on XX/XX/XXXX, as reflected on my XXXX  credit report. 
The account shows multiple late payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), which I dispute as inaccurate. Additionally, I previously filed a dispute, and the comments now show : Account previously in dispute investigation complete, reported by data furnisher. 
Under the Fair Credit Reporting Act ( FCRA 623 ), as the data furnisher, you are required to : Only report information that is accurate and verifiable Investigate disputes thoroughly Provide documentation supporting your reporting, or else request the deletion of unverifiable data

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
A fraudulent purchase was made in the amount of {$110.00} on XXXX using an Apple Card credit card ( issued by Goldman Sachs ). Goldman Sachs denied the dispute and provided documentation as requested. The documentation showed that the transaction was placed from the other side of the country using an XXXX  that I have never had an account with. The merchant reported that the item was both delivered * and * unable to be delivered. The item was never received. Since day 1 of receipt of the physical card, it has always been filed in a cabinet, never physically been carried, and only used for tap-to-pay. The card had also never been used with the merchant, before or after the transaction. 

This information was presented to Goldman Sachs a second time. The dispute was denied a second time and the same evidence was provided again.

Company response to consumer: Closed with explanation