vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I booked a hotel room with XXXX for XX/XX/XXXX - XXXX, XXXX, which is the day the event will be held. I learned that the hotel had set aside rooms for the event for the organization. As opposed to XXXX notifying me that the room was not available for the requested date, their system booked XXXX XXXX, which is after the event. Three hours later, I noticed that the stay was reserved for XX/XX/XXXX XXXX and not XX/XX/XXXX - XXXX. I called and cancelled the room and was told that there is a cancellation fee of {$260.00}. I called XXXX and was told that the hotel would have to give a waiver and that they had contacted the hotel. I called the hotel and was told that they have nothing from XXXX and never received any funds from them. I was also told that XXXX has been engaging in unethical and fraudulent activities. They have done this with many of their clients and strongly recommend not using them. Later, I was told that they had to get approval from their third party, XXXX XXXX. I asked why. I stated that I did not make my reservation with XXXX XXXX, but with XXXX, and XXXX is accountable. XXXX should be held responsible for such unethical and fraudulent behavior. Why would a person want a room after the event has occurred? Why would their system not inform people that the dates are not available? Their system is designed to book a room after the preferred date without telling people, and when they notice the error, they apply this cancellation fee. 

These charges were made through PayPal, and I have contacted them about this issue. I was told that it would be resolved on XX/XX/XXXX, and was told my refund was being processed. I called on XX/XX/XXXX and was told that they are still investigating this issue and will let me know by XX/XX/XXXX. I have been given multiple reasons for what they are doing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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 was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: Experian Information Solutions Inc.
State: NC

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 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 2025-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
The account XXXX with Portfolio Revocery XXXX XXXX. I am unaware of this debt and did not have the opportunity to dispute this account. If you belive you sent proper notification, please provide 'Certified Mail ' with recipt displaying my signature. If not, please delete account XXXX as soon as possible from my credit report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX * * * * Balance : {$290.00} XXXX  XXXX XXXX * * * * Balance : {$220.00}

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 explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX * * * * Balance : {$290.00} XXXX  XXXX XXXX * * * * Balance : {$220.00}

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 2025-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received a new American Express Business Platinum card. The legal disclosures that accompanied the card stated there is no annual membership fee. However, I was charged a {$690.00} membership fee. I have chatted with an Amex supervisor who stated the disclosure was sent in error. However, the disclosure is nonetheless a legally binding document that they refuse to honor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: PA

Complaint narrative:
I am filing this complaint against Experian for failing to uphold its responsibilities under the FCRA by continuing to report a fraudulent account from XXXX XXXX XXXX XXXX, despite multiple disputes and clear legal deficiencies surrounding the account. 

XXXX XXXX began furnishing a tradeline to my Experian credit report as early as XX/XX/XXXX, claiming I owed a debt they had purchased. However, according to official records, XXXX XXXX was not registered to do business in Pennsylvaniamy state of residenceuntil XX/XX/XXXX. Under 15 Pa.C.S. 4121, foreign LLCs must register before conducting any business, including debt collection or reporting to CRAs. Therefore, Experian accepted and continued reporting a tradeline from a company not legally authorized to furnish or collect in my state. 

I disputed this account multiple times directly with Experian, starting XX/XX/XXXX, and provided supporting documentation, including an FTC Identity Theft Report. Despite this, Experian refused to block the fraudulent tradeline and claimed XXXX verified it, without ever producing any original contract, signed agreement, or proof of delivery. 

Additionally, XXXX website falsely claims they are licensed in XXXX under license number # XXXX. However, that license belongs to a different companyXXXX XXXX XXXX XXXX XXXXf Minnesota. This means Experian allowed a non-compliant, misrepresenting entity to furnish unverified data to my credit file.

Under FCRA 607 ( b ), Experian is required to ensure the maximum possible accuracy of information, and under FCRA 611 ( a ) & ( b ), must conduct a reasonable reinvestigation upon dispute. None of this was done in good faith. I was never given documentation, no proof of accuracy, and Experian continued furnishing the XXXX tradeline even after multiple disputes and identity theft reports.

This is a clear violation of : FCRA 607 ( b ) Failure to ensure accuracy FCRA 611 ( b ) Failure to conduct reasonable investigation FCRA 605B Refusal to block a fraudulent account despite receiving valid identity theft documentation FCRA 623 ( a ) ( 1 ) ( A ) Reporting information from an entity not authorized to furnish debt

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 2025-06-16 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:
Please see attachments. 
I have not supplied proof under the doctrine of estopper by silence,XX/XX/XXXXPresume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received a 120day past due negative remark on my credit. This information is incorrect and does not accurately reflect my credit history. After investigating the matter, XX/XX/2025, XX/XX/2025 and XX/XX/2025 all state in good standingand XX/XX/2025 is reported 120days past due. How is this possible? Not to mention the XXXX balances all contradict each other for all 6 accounts throughout TransUnion, XXXX  and XXXX. 

Please conduct a full investigation into this matter and update or remove the inaccurate information as appropriate. I request a written confirmation of the results of your investigation and an updated copy of 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 non-monetary relief
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
I received a 120day past due negative remark on my credit. This information is incorrect and does not accurately reflect my credit history. After investigating the matter, XX/XX/year>, XX/XX/year> and XX/XX/year> all state in good standingand XX/XX/year> is reported 120days past due. How is this possible? Not to mention the XXXX balances all contradict each other for all 6 accounts throughout XXXX, Experian and XXXX. 

Please conduct a full investigation into this matter and update or remove the inaccurate information as appropriate. I request a written confirmation of the results of your investigation and an updated copy of 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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received a 120day past due negative remark on my credit. This information is incorrect and does not accurately reflect my credit history. After investigating the matter, XX/XX/year>, XX/XX/year> and XX/XX/year> all state in good standingand XX/XX/year> is reported 120days past due. How is this possible? Not to mention the XXXX balances all contradict each other for all XXXX accounts throughout XXXX, XXXX  and Equifax. 

Please conduct a full investigation into this matter and update or remove the inaccurate information as appropriate. I request a written confirmation of the results of your investigation and an updated copy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: GA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
XXXX FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: MS

Complaint narrative:
I've recently received a copy of my credit reports and noticed several inaccuracies and unauthorized account information being reported to Equifax, Experian, and TransUnion. These include charge-off and collection accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These remarks have been detrimental to my life and credit health. Despite submitting formal disputes, the accounts remain without proper validation or correction, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting the CFPB to investigate and ensure that all companies involved either verify the accuracy of these accounts or remove them from all three credit bureaus.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint against XXXX XXXX XXXX, Experian, Equifax, and TransUnion regarding the continued reporting and collection of student loan debt that is no longer valid following the executive order to dissolve the U.S. Department of Education. 
XXXX. Illegal Credit Reporting : The credit bureaus have continued to report student loans that are unverified and legally questionable due to the dissolution of the Department of Education. This constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ). 
XXXX. Failure to Verify Legitimacy of Debt : XXXX XXXX XXXX has failed to provide valid evidence of legal ownership, collection rights, or servicing obligations for the purported debts in light of the agencys abolishment. The lack of verification raises serious concerns about the legitimacy of these debts. 
XXXX. Unfair and Deceptive Practices : The continued collection efforts for these debts not only violate my rights under the FCRA ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ), but also represent an egregious disregard for consumer protections. 
XXXX. Account : XXXX - XXXX  XXXX - TransUnion displays this account as " on time '' with no late payments ; TransUnion doesnt display a late payment in XXXX of XXXX however, Equifax shows a 30-day late payment in XX/XX/XXXX. This discrepancy violates the requirement for accurate reporting. 
TransUnion displays {$120.00} amount past due while Equifax shows {$0.00} past due 2. Account : XXXX XXXX XXXX XXXX XXXX. 
- This account is not mine and must be removed from my report. 
XXXX. Account : XXXX - transunion displays credit limit of XXXX awhile Equifax shows {$0.00}, last payment was posted XX/XX/XXXX on transunion, while equifax shows XX/XX/XXXX Date opened show XX/XX/XXXX on transunion meanwhile, equifax shows XX/XX/XXXX T XXXX. Account : XXXX - Experian displays a 30 day late payment in XXXX of XXXX while equifax shows a 30 day late payment in XXXX of XXXX, consequently XXXX of XXXX experian shows 60 day late payment in XXXX and XX/XX/XXXX while Equifax shows no late payments in XXXX or XXXX of XXXX Given the circumstances, I hereby demand : - An immediate and thorough investigation into these matters. 
- The immediate deletion of all associated accounts from my credit report. - The cessation of any collection efforts by XXXX XXXXXXXX XXXX regarding these debts. 
I request that you conduct a thorough investigation into these matters and remove the inaccurate accounts from my credit report. If my request is not addressed within 30 days, I will proceed with litigation to seek {$1000.00} in damages for each inaccuracy reported on my credit report, as permitted by law. 
I appreciate your prompt attention to this matter and look forward to your timely response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: MA

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 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 non-monetary relief
Consumer complaint received 2025-06-16 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
visited XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX ) in XX/XX/year> to inquire about a vehicle. I gave my information once, but since then, they have continued to submit credit applications in my name without my permission. I have received multiple credit denial letters from various banks, almost every week, for loans I never authorized.

These repeated hard inquiries have severely damaged my credit score. I contacted the dealership and asked them to stop, but they have ignored my request and continue to apply for credit using my personal information.

I am requesting that all unauthorized credit inquiries be investigated, removed from my credit reports, and that the dealership be ordered to stop misusing my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: CA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation