vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: NM

Complaint narrative:
My account with EQUIFAX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be 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 XXXX 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 21 days before the payment due date. EQUIFAX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my XXXX reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: NY

Complaint narrative:
This is a dispute under FCRA 611 concerning the following accounts and inquiries : Accounts in Dispute XXXX. XXXX XXXX XXXX XXXX Acct # XXXX o Status = Open / Collection/Charge-off, while XXXX lists Refinanced and XXXX lists Charge Off. 
o Date of Last Activity = XX/XX/XXXX, inconsistent with XXXX ( XXXX XXXX XXXX XXXX ). 
o Masked account number. 
o Violates FCRA 607 ( b ) and Metro 2 consistency rules. 
2. XXXX XXXX XXXXXXXX Acct # XXXX o Payment history shows XXXX late payments, but XXXX report XXXX and XXXX late. 
o High Balance ( {$630.00} ) vs. High Credit ( {$500.00} ).

o Masked account number. 
Inquiries in Dispute XXXX XXXX XXXXXX/XX/XXXX Defect : This inquiry lacks my written consent or permissible purpose under FCRA 604.

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 2025-09-16 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-16 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: NC

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA XXXX by continuing to report unverifiable information after multiple disputes.

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 2025-09-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA XXXX by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Resurgent/LVNV Funding is reporting a collection account that is inaccurate, unverifiable, and likely junk debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent account is a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned accounts are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX  credit reporting agency block all of the accounts identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: NY

Complaint narrative:
I am filing this complaint against TransUnion, Experian, and Equifax for reckless mishandling of my credit file and violations of the Fair Credit Reporting Act ( FCRA ). 

On multiple occasions, I have disputed a collection account reported by XXXX XXXX ( XXXX ). In a prior CFPB complaint in XXXX ( XXXX XXXX ), XXXX provided only an invoice as verification. No signed lease agreement, judgment, or contract was ever produced. Despite this, TransUnion continues to accept the same inadequate documentation as verification today. 

Even more troubling, on XX/XX/XXXX, TransUnion added the following false statement to my credit file : As of XX/XX/XXXX, you informed us that even though your previously closed XXXX XXXX was reopened, this information was accurate and should be listed on your credit report. 

This is categorically false. I have consistently disputed this account as not mine. It is impossible for a consumer dispute to be converted into an admission of accuracy. TransUnions own records including my prior disputes prove that I never confirmed this account as accurate. 

This conduct violates the FCRA in several ways : 15 U.S.C. 1681e ( b ) ( 607 ( b ) ) Failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) ( 611 ( a ) ( 1 ) ) Failure to conduct a reasonable reinvestigation. Accepting an invoice as proof is inadequate.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( 611 ( a ) ( 5 ) ( A ) ) Duty to delete unverifiable information. Without a signed lease, contract, or judgment, the debt is unverifiable.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( 611 ( a ) ( 5 ) ( B ) ) Unlawful reinsertion without proper certification and consumer notice. 
15 U.S.C. 1681i ( c ) By adding a false notation that I confirmed the debts accuracy, TransUnion furnished information it knew ( or should have known ) to be false.

My rights have been violated under the FCRA by re-inserting a previously closed collection account without proper certification and by accepting nothing more than an invoice as verification. Case law ( Cushman v. Trans Union, 115 F.3d 220 ) makes clear that credit bureaus must do more than accept documents at face value. A simple invoice does not establish liability or prove residency. By reporting this unverifiable account, TransUnion is publishing inaccurate information that harms me. I demand permanent deletion of this account.

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 2025-09-16 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: NY

Complaint narrative:
I am filing this complaint against TransUnion, Experian, and Equifax for reckless mishandling of my credit file and violations of the Fair Credit Reporting Act ( FCRA ). 

On multiple occasions, I have disputed a collection account reported by XXXX XXXX ( XXXX ). In a prior CFPB complaint in XXXX ( XXXX XXXX ), XXXX provided only an invoice as verification. No signed lease agreement, judgment, or contract was ever produced. Despite this, TransUnion continues to accept the same inadequate documentation as verification today. 

Even more troubling, on XX/XX/XXXX, TransUnion added the following false statement to my credit file : As of XX/XX/XXXX, you informed us that even though your previously closed XXXX XXXX was reopened, this information was accurate and should be listed on your credit report. 

This is categorically false. I have consistently disputed this account as not mine. It is impossible for a consumer dispute to be converted into an admission of accuracy. TransUnions own records including my prior disputes prove that I never confirmed this account as accurate. 

This conduct violates the FCRA in several ways : 15 U.S.C. 1681e ( b ) ( 607 ( b ) ) Failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) ( 611 ( a ) ( 1 ) ) Failure to conduct a reasonable reinvestigation. Accepting an invoice as proof is inadequate.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( 611 ( a ) ( 5 ) ( A ) ) Duty to delete unverifiable information. Without a signed lease, contract, or judgment, the debt is unverifiable.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( 611 ( a ) ( 5 ) ( B ) ) Unlawful reinsertion without proper certification and consumer notice. 
15 U.S.C. 1681i ( c ) By adding a false notation that I confirmed the debts accuracy, TransUnion furnished information it knew ( or should have known ) to be false.

My rights have been violated under the FCRA by re-inserting a previously closed collection account without proper certification and by accepting nothing more than an invoice as verification. Case law ( Cushman v. Trans Union, 115 F.3d 220 ) makes clear that credit bureaus must do more than accept documents at face value. A simple invoice does not establish liability or prove residency. By reporting this unverifiable account, TransUnion is publishing inaccurate information that harms me. I demand permanent deletion of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$330.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
on XX/XX/year> PayPal sent me an email stating my account was : Your account access is temporarily limited We noticed that you've been using your PayPal account in a questionable manner. To understand this better, we will require some information from you. 

In an effort to keep your account secure, we've also limited certain features in your account. You'll be able to regain access to these features once you provide the information we've requested. 

Based on this decision, if applicable, you are no longer eligible for PayPal Seller Protection as per our User Agreement. This will apply to all existing and future cases you receive. 

Reference ID : XXXX They asked me to upload business documents, bank statements as well as photos of my Identification. In which I did on that day. In the meantime I have over $ XXXX in my paypal account that I have no access to. I can not transfer the funds. I can not make purchases. After uploading my documentations I receive a notification stating that they will review the information and restore or contact me within 1 business day.

After a few days I sent them a message on their website asking for an update, 2 days later I was told that its still under review.

A week later I contact them again, same answer another week passes and I'm told the same thing, So I decided to call Paypal, after waiting on hold for 2.5 hours I was told the exact same thing, there is nothing I can do about my money that is locked in paypal and I have to wait for the information to be reviewed.

fast forward to yesterday. I emailed them again, same information was given to me. So i called again, after 3 hours and 45 minutes It was clear they were not going to answer my phone call. I sat on hold until XXXX in the evening and gave up. 

I am now filing this complaint as I have not been able to get any real information as to why my account was placed on hold, why they believed it to be suspicious activity in which this paypal account is registered to my business with a legitimate website that the money comes through paypal. I am frustrated with their lack of communication and customer service. And I am currently out $ XXXX US dollars that I need to use to purchase materials for my business and get my customers their products that were ordered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: MN

Complaint narrative:
I sent a certified letter to Experian on XX/XX/year> with tracking # XXXX it shows the delivery date of XX/XX/year> at XXXXXXXX XXXX In XXXX TX. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : 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  Experian failed to respond. I sent another letter on XX/XX/year> which they failed to respond once again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: GA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-09-16 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 submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: John C. Heath, Attorney at Law, PLLC
State: LA

Complaint narrative:
I was making payments towards an open account which was {$3500.00}. But XXXX refused my complaint and it took more than 30 days to even reply to me. 
Lexington law needs to be shut down there service is horrible because I didn't see any results in my credit me and the representative got into it and she proceeded to tell me its been so long that I wasn't in there system anymore and she couldn't nonlonger help.me. Lost of money for nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: TX

Complaint narrative:
I am disputing the late payment listed on my credit report, as it is inaccurate and does not reflect my consistent, on-time payment history. This false entry misrepresents my financial responsibility and unfairly damages my credit profile.

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 2025-09-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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