vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

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 2025-12-02 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX RE : Formal Dispute Under 15 U.S.C. 1681i ( FCRA ) To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of information currently being reported in my consumer credit file under my name and Social Security Number. 

Pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting an investigation into the accuracy, relevance, and verification of all negative, derogatory, and adverse items currently appearing on my credit report. 

The following accounts and entries are disputed due to lack of proper verification, questionable accuracy, and/or failure to comply with FCRA reporting requirements : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( derogatory entry ) XXXX XXXX XXXX XXXX XXXX XXXX  ( both accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Any other accounts marked as adverse, delinquent, charged-off, in collections, or inaccurate Under 1681i ( a ), you are required to conduct a reasonable investigation into these disputed accounts and to provide me with written proof of verification including : 1. A copy of the original signed contract or application bearing my signature 2. A complete payment history and itemized accounting 3. Proof the reporting entity has legal standing and authority to report this debt 4. Proof of compliance with the Fair Credit Reporting Act If you are unable to provide this documentation, you are required by law to delete the item ( XXXX ) from my credit report. 

Additionally, I am disputing the following personal information as inaccurate and/or outdated and request it be corrected or deleted from my file : Incorrect or outdated phone numbers, including but not limited to : ( XXXX ) XXXX, ( XXXX ) XXXX and any other numbers not belonging to me Any incorrect former addresses or residence units ( XXXX XXXX & XXXX XXXX ) Any names/aliases not legally mine Please complete your investigation within 30 days as required by law and send me an updated copy of my corrected credit report. 

Failure to comply with this request may result in formal complaints being filed with the Consumer Financial Protection Bureau, Federal Trade Commission, and the New York State Attorney Generals Office. 

I have enclosed a copy of my government-issued identification and proof of address for identification purposes. 

SincerelyXXXX XXXX XXXXXXXX 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 2025-12-02 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX Account number : 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 2025-12-02 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:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from 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 2025-12-02 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:
I am submitting this seventh follow-up complaint to request the immediate removal of multiple unauthorized and unverifiable inquiries that continue to appear on my Experian, Equifax, and TransUnion credit reports, despite my previous disputes. These inquiries were never authorized by me, and I did not provide consent or engage in any activity that would create a permissible purpose for accessing my credit file. Experian continues to report 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 Equifax still lists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion continues reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). None of these inquiries were authorized, and no permissible purpose exists under FCRA 619, 604 ( a ), or 604 ( f ) for their reporting. Their continued presence misrepresents my credit history and continues to harm my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
I am submitting this seventh follow-up complaint to request the immediate removal of multiple unauthorized and unverifiable inquiries that continue to appear on my Experian, Equifax, and TransUnion credit reports, despite my previous disputes. These inquiries were never authorized by me, and I did not provide consent or engage in any activity that would create a permissible purpose for accessing my credit file. Experian continues to report 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 Equifax still lists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion continues reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). None of these inquiries were authorized, and no permissible purpose exists under FCRA 619, 604 ( a ), or 604 ( f ) for their reporting. Their continued presence misrepresents my credit history and continues to harm my creditworthiness.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Unauthorized access to my credit report by multiple companies has directly damaged my credit and credit score. I previously contacted your agency and was explicitly assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored these inquiries persist. This blatant failure to act is completely unacceptable and constitutes a breach of your obligations. 

The ongoing presence of these potentially fraudulent entries is deeply alarming and strongly indicates possible identity theft. This unresolved issue is causing severe emotional and financial harm that must not continue.

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 2025-12-02 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: WA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: WA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2025-12-02 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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 seventh follow-up complaint to request the immediate removal of multiple unauthorized and unverifiable inquiries that continue to appear on my Experian, Equifax, and TransUnion credit reports, despite my previous disputes. These inquiries were never authorized by me, and I did not provide consent or engage in any activity that would create a permissible purpose for accessing my credit file. Experian continues to report 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 Equifax still lists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion continues reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). None of these inquiries were authorized, and no permissible purpose exists under FCRA 619, 604 ( a ), or 604 ( f ) for their reporting. Their continued presence misrepresents my credit history and continues to harm my creditworthiness.

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 2025-12-02 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: IL

Complaint narrative:
To : Equifax, Experian, TransUnionSubject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, Experian, & TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$21000.00} from XXXX XXXX XXXX , listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal actionunder the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request.

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 2025-12-02 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: CA

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2025-12-02 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: IL

Complaint narrative:
I am formally disputing the reporting of a repossessed account ( XXXX XXXX XXXX ) on my Equifax credit file. This information is false, inaccurate, and unverifiable. The furnisher has failed to provide any proof of default, deficiency balance, or lawful repossession, in direct violation of the Fair Credit Reporting Act ( 1681i and 1681s-2 ( b ) ). The account is reported inconsistently with my actual account history, and continued publication of this information is unlawful. I demand the immediate deletion of this account from my credit file, including all associated negative notations, payment history, status, and balance, and I require an updated credit report reflecting the correction. Failure to comply constitutes a violation of federal law and will result in regulatory action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint against PayPal regarding their mishandling of my account, wrongful freezing of funds, and poor customer support. 

Approximately XXXX year ago, I created a PayPal account under the name XXXX XXXX. At the time, I did not fully understand PayPals requirement that the account name must be my legal name. When I attempted to update my account with my real identity, XXXX XXXX, PayPal blocked my account despite my readiness to verify my identity. 

I accepted responsibility for the initial error. However, it has now been over a year, and I should be able to withdraw my funds. Despite this, for months I have been * * unable to link any bank account to withdraw my money * *. After weeks of discussions with PayPal support, I finally received permission to link a bank account. Yet, PayPal * * refused to accept my bank account due to a system error * * claiming that my XXXX bank account is linked to three other accounts which is false. 

To clarify : 1. My bank account was previously linked to only XXXX account that has long been closed. 
2. It was also linked to my business PayPal account. 
3. My current account ( [ XXXX ] no longer has any bank linked except the old account, which I do not use. 

Currently, PayPal continues to * * hold my funds {$200.00} USD and refuses to release them * *, despite my repeated attempts to resolve the issue. The customer support team has been unhelpful, providing repetitive responses and delaying resolution for weeks. 

I am requesting the following actions : 1. Immediate authorization to link a XXXX bank account or a XXXX credit/debit card for withdrawal. 
2. Temporary lifting of the account hold for at least XXXX week to allow my funds to be transferred. 
3. Correction of the PayPal system records to accurately reflect that my bank account is * * linked to no other active PayPal accounts * *. 

Additionally, I am requesting * * compensation for the severe mental distress and inconvenience * * caused by XXXX poor service and repeated system errors. I am claiming * * {$20000.00} USD * * for the emotional and psychological impact I have endured. I have previously informed PayPal that, unless they took serious action, I would seek financial compensation for their service failures. 

I appreciate your assistance in investigating this matter and helping me recover my funds and receive proper compensation. 

Sincerely, * * XXXX XXXX * * Paypal Email : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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