vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: MS

Complaint narrative:
b'I am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my XXXX  consumer credit report. I am asserting my rights under the Fair Credit Reporting Act (FCRA), Consumer Financial Protection Act (CFPA), and citing direct violations confirmed by the CFPBs XXXX  2025 lawsuit against EQUIFAX XXXXI am a victim of malpractice and broken laws based on the XXXX/2025 lawsuit against EQUIFAX .**And Im also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under: - XXXX  U.S.C.  XXXX   Failure to conduct a reasonable reinvestigation - XXXX  U.S.C.  XXXX(a)(2)  Failure to forward all submitted documentation to furnishers - XXXX  U.S.C.  XXXX(b)  Failure to maintain maximum possible accuracy - XXXX  U.S.C.  XXXX   Failure to block fraudulent accounts upon identity theft report - XXXX  U.S.C.  XXXX   Identity Theft and Assumption Deterrence Act - FACTA  Fair and Accurate Credit Transactions Act of 2003 - XXXX XXXX Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or Experians data mishandling. \n\nAccounts Reported in Violation of Federal Law XXXX XXXX $ XXXX  XXXX/2023 Failure to investigate identity theft (FCRA  XXXX) XXXX $ XXXX XXXX/2022 Failure to investigate identity theft (FCRA  XXXX) XX/XX/XXXX $ XXXX XXXX/2022 Failure to investigate identity theft (FCRA  1XXXX)XXXX $ XXXX XXXX/2023Failure to investigate identity theft (FCRA  XXXX) XXXX XXXX$ XXXX XXXX/2023Failure to investigate identity theft (FCRA  XXXX) XXXX XXXX$ XXXX XXXX/2023 Failure to investigate identity theft (FCRA  XXXX) XXXX $ XXXX XXXX/2021 Failure to investigate identity theft (FCRA  XXXX)XX/XX/XXXX $ XXXX XXXX/2022 Failure to investigate identity theft (FCRA  XXXX) Accounts reinserted without MOV or consumer notice, XXXX XXXX violations (codes XXXX), FCRA  XXXX and  XXXX(a)(2) violations Pattern of Misconduct  EQUIFAX  Lawsuit Reference This is not isolated. The CFPB filed suit against EQUIFAX in XXXX  2025 (Case XXXX) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims  the very same \nconduct Im reporting here. I am directly experiencing the same violations as outlined in that case'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I went to my PayPal account last night and noticed my XXXX and XXXX accounts showed a XXXX balance. Today XX/XX/year> I spoke with XXXX different customer service reps to find out why it was missing. I can't remember the exact balance because I hav n't been on the account for a few months. None of the reps would help me, they just stated I don't have any XXXX  in the account and I never did. I asked to speak with the tech dept. and was told I can't. I asked for the phone number of PayPal located in California and was told they are not allowed to give it out. I looked online to find it but couldn't. AS of right now I have no recourse, nobody is going to call me back to solve this situation. 
I do have proof that I did have a XXXX and XXXX transfered into these accounts. 
I have the emails from PayPal dated XX/XX/year> with the TX ID # and the amounts deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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 dispute the accounts referenced in my credit report, as I believe they were opened without my authorization. I request a thorough investigation and their removal. Supporting materials are enclosed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-14 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:
I recently reviewed a copy of my credit report and noticed I have fraudulent accounts on my report. Please remove these accounts from my report. It is hurting my ability to obtain 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 2025-08-15 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: FL

Complaint narrative:
XXXX XXXX XXXX have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated XXXX U.S. Code XXXX ( XXXX ) and this leads to an alleged identity theft, which is a violation of XXXX U.S. Code XXXX. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: IN

Complaint narrative:
I am filing a formal complaint regarding an account reported by Spring Oaks Capital that is inaccurate, incomplete, and in violation of federal consumer protection laws.

The account in question is being reported as a charged-off debt originally from [ original creditor name ] and purchased by Spring Oaks Capital . This account is being reported in a way that misrepresents its current status and balance. 

Under XXXX U.S.C. XXXX ( b ) of the Fair Credit Reporting Act, a consumer reporting agency must follow reasonable procedures to assure maximum possible accuracy of information. Additionally, under XXXX U.S.C. XXXX ( a ), furnishers of information ( including XXXX XXXX XXXX ) are prohibited from reporting information they know or should know is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My credit score and life is impacted Everytime experience decides to decrease it. They have decreased it TWICE in the last month by XXXX and XXXX points for NO reason. People can not contact them. There numbers all have automated system in place that hang up on you. The chat tells you to calltheres no email. This is effecting our lives and theyre making money off people. They should not have this much power over peoples lives when theyre making mistakes and being sued for criminal activity. They have NO RIGHT to lower my score significantly when they have no evidence or reason to do so legally. They told me I have to open another credit card to increase my scores and yet they decrease it?! I pay every single bill on time and in full. They even decreased my score for having a new card when I never got one! I have the same card just a no fee card now vice an annual one with the same company XXXX. The fact they make it so DIFFICULT if not IMPOSSIBLE to speak to someone should be addressed. If you do manage to contact corporate pretending to be a business as thats the only way they talk to you if your spending money on their membership then its a guy in another country asking for all your PII which I dont feel comfortable giving since they also have had breeches and sell our info.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have never legally gone by these personal information nor do not currently reside at the listed residence. The inclusion of inaccurate aliases and unrelated or outdated addresses not only violates the Fair Credit Reporting Act ( FCRA ) under XXXX U.S.C. XXXX ( b ) which requires credit reporting agencies to maintain maximum possible accuracy but also creates a serious risk of identity confusion and impairs my ability to obtain credit under accurate and fair conditions. The presence of such erroneous personal information also raises concerns of data mishandling, especially in light of recent national data breaches. Despite previous attempts to have this information corrected, XXXX might have failed to remove the incorrect aliases and address entries, even though I have never used these names and do not reside at the listed locations. 

I request to confirm this correction in writing and provide an updated copy of my credit report showing the accurate and corrected personal information. If this can not be verified the validity of these aliases and addresses with sufficient legal documentation linking them to me, then they must be removed immediately as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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 submitting this complaint personally and in my own words. I have not authorized any company to submit this on my behalf beyond helping me type and send it. This issue directly affects me. I am submitting this formal complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent accounts that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The account in questionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX BANK NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were opened fraudulently and are the result of identity theft. I provided Equifax with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA XXXX XXXX Despite this, Equifax failed to block the fraudulent information within XXXX business days, as required by law. 
Furthermore, Equifax has violated FCRA XXXX ( a ) by failing to conduct a proper reinvestigation of my dispute within the XXXX statutory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA XXXX ( a ) ( XXXX ) ( A ), but Equifax has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
XXXX inquired on process how to register car in my state and was provided with instruction to call with a specific XXXX address where the title package will be be sent to. Called back and provided that information. Was told it be XXXX  days and XXXX will send me a text upon receipt. Upon expiration of my temp tag went to XXXX, XXXX  days later, called the bank and was told that the package was shipped today ( XX/XX/XXXX! ). Received a temp tag for XXXX  days ; called back on XX/XX/XXXX as no package received, reordered the package. Was told to take the package directly to XXXX upon receipt, to register the car. XXXX at this point issued me the last temp tag. Received the package on XX/XX/year>, only to find out that I had to mail a form with address of a XXXX to request a package to be sent to XXXX. Final temp tags are expired. XXXX  months later. Supervisor did not have any answers and just hang up the phone. Will be refinancing with another bank only if ever will register the vehicle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: LA

Complaint narrative:
Pursuant to XXXX XXXX XXXX XXXX inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: LA

Complaint narrative:
Pursuant to XXXX XXXX XXXX XXXX inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have never legally gone by these personal information nor do not currently reside at the listed residence. The inclusion of inaccurate aliases and unrelated or outdated addresses not only violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy but also creates a serious risk of identity confusion and impairs my ability to obtain credit under accurate and fair conditions. The presence of such erroneous personal information also raises concerns of data mishandling, especially in light of recent national data breaches. Despite previous attempts to have this information corrected, Bureaus might have failed to remove the incorrect aliases and address entries, even though I have never used these names and do not reside at the listed locations. 

I request to confirm this correction in writing and provide an updated copy of my credit report showing the accurate and corrected personal information. If this can not be verified the validity of these aliases and addresses with sufficient legal documentation linking them to me, then they must be removed immediately as required by 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