vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: NM

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-17 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: MO

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC
State: FL

Complaint narrative:
I received by postal mail a final notice dated XX/XX/year> from XXXX whose client is XXXX XXXX. On that final notice it states failure to respond will result in your account being sent to collections 30 days from the date of this statement. I paid the full amount immediately upon my receipt on XX/XX/year>. On XX/XX/year> I received a debt collection letter from Revco Solutions dated on the letter XX/XX/year>. The debt according to the final notice should not have been sent to collections until XX/XX/XXXX. XXXX XXXX and XXXX XXXX placed my account in collections prematurely. Also, XXXX XXXX falsely claims to send numerous requests of payments that is a lie. I received the initial statement months late and then the next statement was the final notice. When speaking to XXXX they claim to have sent email and text containing no identifiable personal information only a link which I would interpret as a scam and not open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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:
I am formally disputing the reporting of certain hard inquiries that appear on my credit report. These inquiries were not authorized by me, nor did I apply for credit with the companies that initiated them. I have never given consent for these entities to access my credit file, and their presence is both inaccurate and a direct violation of my consumer rights.

Under the Fair Credit Reporting Act ( FCRA ) Sections 604 and 611, only inquiries initiated and expressly authorized by me may appear on my credit report. Since these inquiries were the result of fraud and/or unauthorized activity, I demand their immediate deletion from my file. Continuing to report fraudulent inquiries knowingly is unlawful and constitutes willful noncompliance.

I request a full investigation into each disputed inquiry and require written confirmation of their permanent removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: AR

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER 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 non-monetary relief
Consumer complaint received 2025-09-17 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: AR

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: TX

Complaint narrative:
Back on XX/XX/2025, I submitted a complaint in regards to XXXX XXXX reporting inaccurate information on my credit report. I requested that XXXX XXXX provide me with certain information. They did not provide what I asked for. So, XXXX  and XXXX removed this account from my credit report but Transunion did not.

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 2025-09-18 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:
This account is being reported inaccurately and has already been disputed in Rounds XXXX and XXXX. Despite my requests for validation and correction, the account continues to appear on my credit report with inconsistent and unverifiable information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Nu XXXXXXXX XXXX XXXX XXXX XXXX  ( masked in report ) Date Opened/Ass XX/XX/year> Re {$120.00} Status : Collection / Unpaid Under the Fair Credit Reporting Act ( FCRA ) 602A, 611, and 623 and the Fair Debt Collection Practices Act ( FDCPA ) 807, you are required to ensure that all information furnished to the credit bureaus is accurate and verifiable. Continuing to report this disputed account without proper validation constitutes a violationoffederallaw.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint because my Experian credit report contains multiple late payments that are demonstrably inaccurate and misleading. These errors violate my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and are causing undue financial harm, unnecessary stress, and reputational damage. 

The accounts in question are reported as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX All of these accounts either show XXXX past due amounts or have been fully paid, yet they are being reported as late payments. This is inaccurate and misleading because it suggests delinquencies that do not exist. Under 15 U.S.C. 1681i, Experian is obligated to conduct a reasonable and thorough reinvestigation of disputed items and ensure that all information reported is accurate, complete, and verifiable. Simply marking these accounts as verified without supporting documentation does not meet this standard. 

The misreporting of the XXXX XXXX and XXXX accounts, in particular, implies a delinquency where none exists, creating the appearance of poor credit behavior. The XXXX account is historically paid and should no longer affect my credit, yet it continues to be reported as a late payment from over a decade ago, which is a direct violation of the FCRAs requirements for accurate and timely reporting. 

These inaccuracies have tangible consequences. I have been denied credit opportunities, offered higher interest rates, and subjected to repeated questioning from lenders regarding accounts that are clearly current or fully satisfied. This has caused financial strain, wasted time, and emotional distress. Experians failure to correct these errors despite previous disputes is a breach of my legal rights and demonstrates a disregard for compliance with federal law.

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 2025-09-17 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: CA

Complaint narrative:
My PayPal account has unauthorized logins and logins. And logouts. I had suspicions to before XX/XX/year>, but that was the official month that I started seeing suspicious activity that every time I had to verify myself and I would login. My account security questions would not get reset as much as I would call PayPal and let them know that there must be an issue with the system or the companies verification system. They didnt secure my account properly because somebody had obviously logged into the account. There was a subscription to a page called scribe that I did not authorize. I was not aware of that description and Im not sure exactly what it was. There was devices that I did not have at the time. XXXX  cause I am my XXXX user. My address kept getting changed without my consent or authorization. As much as I tried to secure my account, I kept getting an error code for the two-verification. My two-step verification would fail on my device and asked me to enter a security key that I did not even have or I was not aware if it was put on my account I had a credit limit that was pretty high on my account for a credit card I applied for through PayPal through XXXXXXXX XXXX  The credit limit was a high credit limit and it went up by {$600.00} more and Im not sure how that happened as well because as far as I know, you have to authorize if you want to raise the limit, PayPal customer service was very dry and rude in compassionate. PayPal does not care about your customers and will call you so many times and email you for payments but they will not do everything to verify things properly and explain to their customers. I was told that I couldnt use the account without any real explanation as to why and when I did get an explanation, it wasnt very clear and it was they just did not care. Im stuck with this high credit limit that I never really got to use and you can not use it unless you have a PayPal account in the first place they did not tell me that and they did not secure my account after I called multiple times to let them know what can I do in this situation? I think that whatever happened is their fault and they need to remove that block from my Social Security/identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: MO

Complaint narrative:
I am disputing the fraudulent accounts that have been reported under my name. I did not authorize these accounts, nor have I ever had any connection to them. Their presence is entirely inaccurate and misrepresents my financial history, causing unjustified harm to my credit standing and credibility.

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 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: MD

Complaint narrative:
I have disputed these items on my credit report over a year now. The items belong to my dad. 

XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX {$0.00} XXXX XXXX XXXX {$16000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: FL

Complaint narrative:
I checked my credit score today ( XX/XX/year> ) to find XXXX derogatory marks all from " Smith Rouchon and associates '' with an original account from " XXXX XXXX XXXX XXXX '' that supposedly was delinquent from XXXX XXXX XX/XX/year>. I have never lived in a XXXX XXXX, nor needed XXXX XXXX  from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax, and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, and over XXXX inquires that I did not authorize such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief