vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: GA

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under XXXX, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: NY

Complaint narrative:
PayPal has improperly withheld {$3800.00} USD from my account since XX/XX/XXXX, citing a UCC Lien Notice ( reference XXXX ) allegedly received on XX/XX/XXXX. 

PayPal has been unable or unwilling to provide documentation of any currently enforceable court order, judgment, levy, or active UCC lien justifying continued retention of these funds. 

PayPal instructed me to contact an alleged lien representative ( XXXX XXXX at XXXX ). That telephone number is disconnected, and the contact appears inactive. Despite this, PayPal has stated that it can not take any actions and continues to refuse release of the funds.

A UCC financing statement is not a judgment and expires after five years unless properly continued. Any lien from XX/XX/XXXX would have lapsed in XX/XX/XXXX absent a valid continuation. PayPal has not produced evidence of any renewal, continuation, or active enforcement.

PayPal has also not released the funds or escheated them in accordance with unclaimed property laws. Continued retention without a valid legal basis is improper.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: NJ

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach.

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I got an email from Coinbase stating I would receive a {$100.00} XXXX reward for making a recurring buy of {$25.00} or more for 7 days. I fulfilled the requirements and never received the reward. After multiple times calling support, I finally was told that I only made a buy of {$24.00} dollars when my account record states it was {$25.00}. I then had to provide a screenshot of my account record and after that, they told me I had to make a buy of {$27.00} because of some kind of fees. However, the terms and conditions they provided make no mention of that and simply say it must be {$25.00} or more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: NY

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2025-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: AK

Complaint narrative:
I have longstanding account activity with affirm. I have several loans that are paid off and several that are outstanding and in good standing. I have a purchasing power of {$780.00} on my account. Recently I tried to apply for a loan, and I was suddenly denied. The notice from affirm stated that they could not verify my identity. I have called and reached out via email several times, and after each time affirm would state that they have resolved the issue. Each time I would then apply again, as the purchasing power showing on my account is still unchanged. Each time denied, and each time affirm would reply that the issue has been resolved. I have been going in circles for near 2 weeks. The reason for denial every time is that affirm could not verify my identity. Affirm would not disclose the information it used to verify my identity, only that it relies on other partners.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-12-29 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: VA

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 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 2025-12-29 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 am submitting this complaint regarding inaccurate information that Experian is reporting on my credit file and its failure to ensure maximum possible accuracy as required under the Fair Credit Reporting Act. After reviewing my credit report, I identified information that is incorrect, does not belong to me, or has not been properly verified. 
Experian is reporting the address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, which is not my address. I have no knowledge of this address, I have never lived at this location, and I have no association with it. This address is inaccurately linked to my credit profile and must be removed. 
The account reported as XXXX ( Account XXXX. XXXX ), opened on XX/XX/XXXX, is reporting late payment history that is inaccurate. I am disputing the late payment reporting only. The late payment history does not accurately reflect my records, and Experian is required to conduct a proper reinvestigation and correct any inaccurately reported late payment information associated with this account. 
Additionally, Experian is reporting a charge-off account from XXXX XXXX XXXX XXXX Account No. XXXX ), opened on XX/XX/XXXX, with a balance of {$34000.00}, that I do not recognize. I have no knowledge of this account, I did not authorize it, and it does not belong to me. Experian must conduct a lawful investigation and delete this account if it can not be fully verified as accurate and belonging to me. 
I am requesting that the CFPB require Experian to conduct a thorough reinvestigation, remove the inaccurate address, correct any inaccurately reported late payment history, and delete any account that can not be properly verified. I also request written confirmation once my credit file has been updated.

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 2025-12-29 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
The information is not mine. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: CA

Complaint narrative:
I am filing this complaint against Experian Information Solutions XXXX XXXX for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 7 ).

I disputed multiple inaccurate and derogatory tradelines appearing on my Experian credit report. Experian completed its reinvestigation and issued dispute results dated XX/XX/year>, stating that the disputed items were verified. 

After receiving these results, I formally requested the XXXX XXXX XXXX as permitted under FCRA 611 ( a ) ( 7 ). 

On XX/XX/year> at approximately XXXX PM, I contacted Experian by phone to request this information. I initially spoke with a representative named XXXX, and the call was escalated to a supervisor named XXXX. Both individuals explicitly stated that Experian does not have to provide the XXXX of XXXX. 

Experian assigned case number XXXX to this interaction. 

This refusal is incorrect under federal law. Once a consumer requests the XXXX of XXXX, Experian is required to provide a description of the procedure used to determine the accuracy of the disputed information, including how the verification was conducted. 

XXXX refusal to provide the XXXX of XXXX demonstrates that the disputed information is unverifiable. Under the Fair Credit Reporting Act, unverifiable information XXXX not continue to be reported. 

Despite this refusal, Experian continues to report the disputed charge-offs, late payments, and past-due balances, causing ongoing harm to my credit profile. 

I respectfully request that the CFPB require Experian to : XXXX. Delete all disputed items for which Experian refused or failed to provide the XXXX XXXX XXXX, and 2. Ensure compliance with FCRA 611 ( a ) ( 7 ) going forward.

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 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am enrolled in Capital Ones hardship program. My payment is due on the XXXX, and I pay before the account reaches 30 days past due. Capital One reports the account as delinquent during its reporting cycle around the XXXX, which harms my credit despite timely payment under the hardship plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: KY

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX ( Account # XXXX ) and XXXX XXXX XXXX XXXX ( Account # XXXX ). These accounts continue to appear on my credit file despite Experian having clear notice that they were reported without my consent and are tied to identity theft. I recently contacted Experian and spoke with an agent who assured me that a dispute had been properly filed and that Experian was doing everything possible to resolve the issue. During that conversation, I clearly stated that these accounts were reported without my authorization and that I had already submitted a police report confirming identity theft, along with a prior CFPB complaint documenting this matter. I relied on those assurances and waited several weeks, expecting Experian to follow the law and take appropriate action. When I reviewed my credit report again, both disputed accounts were still being reported as if no investigation had occurred. This directly contradicts what I was told and shows a serious failure by Experian to conduct a reasonable reinvestigation as required under the Fair Credit Reporting Act. Experian had actual notice of identity theft and supporting documentation, yet failed to block or remove these accounts as required under 15 USC 1681c-2. By continuing to report these accounts, Experian is violating its duty to ensure maximum possible accuracy under 15 USC 1681e ( b ) and its obligation to properly reinvestigate disputed information under 15 USC 1681i. Allowing inaccurate information to remain on my credit file after providing false reassurance is misleading and unacceptable. This continued reporting has caused ongoing stress, frustration, and damage to my credit profile. I have followed every required step, submitted proper documentation, and exercised my rights as a consumer. There is no justification for these accounts to still be appearing on my credit report. This complaint serves as my final demand. Experian must immediately remove these unauthorized accounts and provide written confirmation that they have been permanently deleted. If this issue is not resolved without further delay, I am prepared to pursue all available regulatory and legal remedies, including claims for willful noncompliance under 15 USC 1681n and negligent noncompliance under 15 USC 1681o.

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 2025-12-29 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:
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 2025-12-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
In XX/XX/year>, I submitted XXXX disputes for fraudulent claims that were made to my business account. A fraudulent card had been added in that month and subsequent fraudulent transactions were made. XXXX of the claims : XXXX was refunded for a total of {$3100.00} and other claim : XXXX, was not refunded ( {$4700.00} ). Therefore an outstanding balance of - {$3100.00} is currently on my account. I called and discussed this with PayPal multiple times on the phone, and while they agreed it was fraudulent, they have not approved the second balance. Today as of XX/XX/year>, my account was frozen and I am unable to use the account. I also filed a counter dispute today with the customer service. It has been months of back and forth attempting to let them know that this is fraud and I am unable to use my Paypal account.

Company response to consumer: Closed with monetary relief