vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: IA

Complaint narrative:
Experian is reporting two charge-off accounts on my credit file that I believe to be inaccurate, outdated, and potentially in violation of the Fair Credit Reporting Act ( FCRA ). The first account is from XXXX XXXXXXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX  ), dated XX/XX/XXXX, with a balance of {$2300.00}. The second is from XXXX XXXX, reported with a charge-off date of XX/XX/XXXX and a balance of {$4900.00}. 

These accounts are severely outdated. The XXXX  XXXX account, in particular, is well beyond the seven-year limitation for reporting derogatory credit information under 15 U.S.C. 1681c ( a ) ( 4 ), which explicitly restricts consumer reporting agencies from including adverse information, such as charge-offs, that antedate the report by more than seven years from the date of first delinquency. XXXX XXXX XXXX account may also be at or beyond this legal limit, depending on its delinquency timeline, which has not been clearly or transparently provided. 

Moreover, there is no indication that Experian has conducted a reasonable investigation into the validity or continued reporting of these entries, despite the passage of time. As a consumer, I have the right to dispute any credit information that I believe is incorrect or outdated. If Experian can not verify these entries with original documentation from the furnisher, they must be removed from my credit file. 

These outdated charge-offs are having a disproportionate and unjustified negative impact on my credit profile, interfering with my ability to access fair financial opportunities. Continuing to report such obsolete and potentially unverifiable information not only violates my rights under the FCRA but also causes unnecessary and ongoing harm to my financial well-being.

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 2025-06-03 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: GA

Complaint narrative:
The account with XXXX XXXX starts with XXXX has not been changed and will remain on your credit report. 

Source : Experian Date Submitted : XX/XX/2025 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, OR 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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX5 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 non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I am filing this complaint in regard to my PayPal account ( associated with the email address XXXX ) which was recently permanently limited without a clear explanation or fair opportunity to appeal. On XXXX XXXX I received a notice from PayPal stating that my account had been permanently restricted due to activity they can not support. However, no specific rule or violation was provided. 

According to my knowledge and behavior as a user, I have not violated any laws, policies, or PayPals terms of service. I believe this action is either a misunderstanding or based on inaccurate or unclear information. The message also mentioned that my account was labeled High Tier and that I would be charged a High Volume Dispute fee. I have not been involved in any excessive disputes or high-risk transactions to warrant this.

Despite reaching out through PayPals Message Center and submitting many appeals via their provided email contacts ( e.g., appeal@paypal.com ), I have not received a specific reason for the limitation or a path toward resolution. I am a long-time PayPal user and have always intended to follow the Acceptable Use Policy. 

Thank you XXXX XXXX Email : XXXX Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA

Complaint narrative:
On XX/XX/XXXX, I received a fraud alert from my bank, XXXX XXXX XXXX XXXX, about a transaction of {$560.00} on a service called MoneyGram. MoneyGram also charged my bank account a fee of {$69.00} for the fraudulent transaction. Despite promptly replying to the fraud alert to indicate the transaction as fraud, the transaction was processed and the money taken out of my bank account. That same day, I received emails from MoneyGram indicating that an account had been made in my name using my stolen information, that a transaction had been initiated, and then that the transaction had been picked up in person in cash in Nevada. The cash was picked up by someone using the name of my father. My father does not reside in Nevada nor was he in that state at the time this occurred. I did not create the MoneyGram account in question and have never had an account with them before. My information was stolen to create this fraudulent account. When I contacted MoneyGram to cancel the order and restitute the funds, they refused both requests. I also requested the following information : how the fraudulent account in my name was opened and what alleged identifying information was used to verify my identity, the location where the transferred funds were picked up, what identification was used by the person picking up the money, whether MoneyGram has a copy of that identification and/or other possible identifying information about this person ( such as a camera recording of the transaction ), and about the case number or existence of a case number for this incident and complaint. MoneyGram refused to provide any information. On XX/XX/XXXX, I filed a fraud report with my bank. And on XX/XX/XXXX, mailed my rebuttal to MoneyGram 's claims that this is not an incident of fraud or identity theft. My rebuttal was received on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: UT

Complaint narrative:
I just reviewed my credit report and found an account listed that I have absolutely no knowledge of. Ive never opened or authorized anything related to it, and I have no connection to it whatsoever. 

This is clearly a case of mixed or incorrect data, and it has no place on my 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 2025-06-03 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

EQUIFAX XXXX XXXXXX/XX/XXXX has violated my rights. 

EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my XXXX  Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: CT

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2025-06-03 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 filing a complaint to formally dispute certain information in my credit report. The items I am disputing are inaccurate, incomplete, and/or unverifiable and should be removed under the Fair Credit Reporting Act ( FCRA ). 
Please investigate the following accounts and remove them from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX  Balance : {$970.00} 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 non-monetary relief
Consumer complaint received 2025-06-03 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 filing a complaint to formally dispute certain information in my credit report. The items I am disputing are inaccurate, incomplete, and/or unverifiable and should be removed under the Fair Credit Reporting Act ( FCRA ). 
Please investigate the following accounts and remove them from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX  Balance : {$970.00} XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: Central Portfolio Control Inc.
State: TX

Complaint narrative:
Under USC 1682 section 602, I have a right to privacy. A consumer reporting agency can not furnish an account without my instructions. Under 15 USC 1666B, a creditor may not consider a payment on a credit card account as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NE

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: PA

Complaint narrative:
I am writing to express serious concerns about multiple inaccuracies identified in my credit report. Upon careful review, I have found several discrepancies, including incorrect account entries, inaccurate account details, inconsistent billing information, unauthorized inquiries, and accounts that do not belong to me. These errors are negatively affecting my financial well-being and require immediate attention.

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 2025-06-03 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: PA

Complaint narrative:
I am writing to express serious concerns about multiple inaccuracies identified in my credit report. Upon careful review, I have found several discrepancies, including incorrect account entries, inaccurate account details, inconsistent billing information, unauthorized inquiries, and accounts that do not belong to me. These errors are negatively affecting my financial well-being and require immediate attention.

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 2025-06-03 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: TX

Complaint narrative:
am filing this complaint regarding XXXX XXXX XXXX for knowingly reporting materially inaccurate and misleading information to TransUnion and Experian. They state the account is charged off with a {$0.00} balance, yet they also claim the debt is still active and collectible, and no 1099-C was issued. This is a direct violation of FCRA 1681e ( b ) and 1681i. Additionally, the same account is not reported on XXXX at all, creating a severe data inconsistency that negatively impacts my creditworthiness. I demand deletion unless they can provide ( 1 ) a signed, bilateral contract ; ( 2 ) verification the debt wasnt sold, securitized, or fractionalized ; ( 3 ) proof the terms are lawful and consideration exists ; ( 4 ) proof no 1099-C was issued ; and ( 5 ) that the tradeline is corrected or deleted within 4 business days.

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 2025-06-03 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: TX

Complaint narrative:
This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. My identity has been stolen you are hereby put on notice.

Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

( 1 ) IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft.

Inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 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 2025-06-03 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: AL

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 2025-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: TX

Complaint narrative:
XXXX is the total amount my order came out too on XX/XX/XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX who is sponsored by cash app and my complaint today is my claims have been denied twice by cash app and second time I was given a temporary credit that was taking away from me because at the concert its advertisement saying pay with your cash app card and get 20 % off your order and I didnt and the cashier stated to me our system isnt processing the discount! Call cash app and they will help you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief