vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: LA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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:
Dear Experian, I am writing to dispute the following items on my credit report. I believe these accounts contain inaccuracies that need to be corrected. I am requesting that you investigate and update my credit report accordingly. 

Charged Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} Inquiries : XXXX  Date Opened : XX/XX/XXXX Late Payments : XXXX 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 explanation
Consumer complaint received 2025-11-04 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: OH

Complaint narrative:
I, XXXX XXXX, am submitting this complaint under the Fair Credit Reporting Act ( FCRA ) for violations of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( a ) in connection with an inaccurate and unauthorized account being reported by XXXX  XXXX XXXX  This account does not belong to me, and I have never opened, authorized, or received any funds, credit, or services related to it. Despite prior disputes and identity verification provided to the credit bureaus, this account continues to appear on my credit report as a charged-off account with derogatory status.

Under 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of consumer information. Reporting a fraudulent or inaccurate account violates this requirement. Additionally, under 15 U.S.C. 1681i ( a ), when a consumer disputes information in their file, the credit bureau is obligated to conduct a lawful and meaningful reinvestigation. However, the credit bureau has failed to properly reinvestigate or verify the authenticity of this account, and no proof of contract, signature, or authorization has been provided to validate the debt. 
This failure to maintain accurate records and conduct a reasonable reinvestigation has caused harm to my credit score, financial reputation, and ability to obtain credit. I am requesting that the CFPB investigate this violation and ensure that all credit bureaus and data furnishers involved : Delete the XXXX XXXX XXXX account immediately from my credit report. 
Provide written verification of the deletion or proof of the accounts validity, including signed applications and original documentation.

Comply fully with 15 U.S.C. 1681e ( b ) and 1681i ( a ) to ensure my consumer rights are protected.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Viva Finance Inc.
State: GA

Complaint narrative:
I am submitting this statement because I recently discovered multiple unauthorized credit inquiries on my credit report. I was in the market for purchasing a vehicle and allowed one dealership to review my credit for financing options. However, I later learned that my information was submitted to numerous lenders without my knowledge or explicit consent. As a result, there are now over XXXX hard inquiries appearing on my credit report from various financial institutions and auto lenders. I did not authorize each of these inquiries individually, nor was I informed that my credit would be sent to multiple lenders for approval. These excessive and unauthorized inquiries have negatively impacted my credit score and were conducted without proper disclosure or consent. I am requesting that these inquiries be investigated and removed from my credit report if found to be unauthorized or improperly obtained. Please provide written confirmation once the investigation is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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 am disputing the following accounts listed on my TransUnion credit report. These accounts appear to be inaccurate, and I am requesting that they be investigated and corrected according to the Fair Credit Reporting Act ( FCRA ). 

Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$16000.00} Inquiries : XXXX  : [ Insert Inquiry Details Here ] XXXX  : [ Insert Inquiry Details Here ] TransUnion : [ Insert Inquiry Details Here ] Positive Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This company and Experian are the worst. They keep lying to Experian about information about me telling Experian that's it's accurate when it's clearly not. This is identity theft and this company is not helping the problem go away. Calling me about stupid things like payment and things like that. I've reported this company before and I will keep doing it until this loan account is off my name. My credit score and everything has been affected and I'm beyond XXXX XXXX  and stressed out. This has been happening since XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TN

Complaint narrative:
to report Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : ( Hard Inquiries on credit report ) Despite my lawful request, you have continued collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-11-04 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: TN

Complaint narrative:
to report Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : ( Hard Inquiries on credit report ) Despite my lawful request, you have continued collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: CO

Complaint narrative:
I am reporting an issue with a closed account from XXXX. This account has a zero balance and was paid and closed, yet it continues to be reported on my credit report as a derogatory account. 

I have already contacted XXXX to request that the reporting be updated or removed to accurately reflect that the account is paid and closed, but the issue has not been corrected. 

Since there is no balance owed, and the account is no longer active, the continued negative reporting is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ). This ongoing reporting is unfairly affecting my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: SC

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute certain items listed on my TransUnion credit report that I believe to be inaccurate. According to my recent credit report, the following negative items appear : XXXX. XXXX XXXX XXXX- Listed as a XXXX with an unpaid balance of {$1300.00}. 
XXXX. XXXX XXXX XXXX- Listed as a XXXX with a balance of {$1800.00}. 
XXXX. XXXX XXXX- Listed as a XXXX. 
I request that you conduct a full investigation into these accounts as provided under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 compliance regulations. These accounts have been reported with errors or may not be valid. I have reason to believe that these entries may be outdated or inaccurate.

Please review these accounts, and if the information can not be verified, I request that these negative items be removed 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 non-monetary relief
Consumer complaint received 2025-11-04 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:
On XX/XX/year>, I transferred money from my XXXX  wallet XXXX XXXXXXXX XXXX to my PayPal account to make an online purchase. The funds appeared as available, but I have since been unable to withdraw or use them. I tried withdrawing through XXXX  and XXXX XXXX  XXXX but all attempts failed. 
After contacting PayPal Support multiple times ( chat and phone ), I was told my account is registered XXXX XXXX XXXX XXXX XXXX, not XXXX, and that I can only withdraw through a XXXX or XXXX XXXX  account, which I can not access because I am in XXXX. 
Though I understand the security reasons, it is completely unreasonable that PayPal allowed me to deposit funds easily despite the country mismatch, yet withdrawing or refunding the same money is close to impossible. This restriction should have been there during deposit. The support team keeps repeating the same unhelpful response. I requested a manual refund to my XXXX source or linked card, but no action has been taken. 
Amount : [ USD XXXX ] Dates : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: MS

Complaint narrative:
I have submitted multiple dispute letters to XXXX XXXX  and TransUnion regarding inaccuracies on my credit report ; however, the errors remain uncorrected. Attached are copies of the letters previously sent to each bureau, along with a table outlining the discrepancies across all three reports. I kindly request your assistance in resolving these issues 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
Consumer complaint received 2025-11-04 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: MS

Complaint narrative:
I have submitted multiple dispute letters to XXXX XXXX  and TransUnion regarding inaccuracies on my credit report ; however, the errors remain uncorrected. Attached are copies of the letters previously sent to each bureau, along with a table outlining the discrepancies across all three reports. I kindly request your assistance in resolving these issues as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX, XXXX  inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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 disputing the accuracy of the following charged-off accounts reported by Equifax. These accounts show incorrect information regarding the status and balance. I respectfully request that these accounts be reviewed and updated accordingly to ensure compliance with the FCRA. 
Charged Off 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 XXXXXX/XX/XXXX, {$0.00} Inquiries : I am disputing the following inquiries listed on my Equifax credit report. These inquiries either appear to be unauthorized or linked to inaccurate information. Please investigate and remove any that do not meet the proper legal requirements under the FCRA. 

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 XXXXXX/XX/XXXX Late Payment : The late payment entry with XXXX XXXX is inaccurate. I request that this be reviewed and corrected in accordance with the FCRA. 

XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Kindly look through the attached files ; the inquiries occurred unexpectedly and may be questionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NC

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Account Reporting under the FCRA To Whom It May Concern : I am writing to formally dispute the accuracy and legality of the following account currently appearing on my XXXX credit report XXXX Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX 

Original Creditor : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification : Rental or Leasing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: MOHELA
State: TX

Complaint narrative:
This loan is from a school that has issues, and all my other loans were forgiven. This is a loan from XXXX XXXX. I put in for a school misconduct discharge. The information for this situation is public, I sent in all the reasons and filled out the forms, with the lies and junk that I dealt with in this school. This Loan provider, put my loan in forbearance and then DENIED this, stating I did not provide enough information, as though they aren't aware of the issues with this school. THey then accelerated what I owe, because they stuck it on a forebearance due to the discharge I sent them. Now My bill is XXXX times more a month, and they refuse to discharge this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC
State: CO

Complaint narrative:
Constant harassing about mortgage payment not being made i question if any checks were done to see if payment was made response is no. I question then why are you calling me rep states given list to call those have record off making payment this is harassment calls made for XXXX non stop at different times of day morning and night

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because inaccurate and unverified information continues to appear on my credit report despite previous disputes submitted directly to the credit reporting agency. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) to request a full reinvestigation of these disputed items. However, the bureau has failed to conduct a reasonable reinvestigation or provide proper verification from the data furnisher as required by law. 

I previously submitted supporting documentation to prove that the reported information is inaccurate, incomplete, or unverifiable. Despite this, the bureau simply verified the information without providing any evidence of how the verification was conducted or who verified it. This action constitutes noncompliance with FCRA 611, which mandates that any unverifiable or inaccurate account must be deleted or corrected promptly. 

I am requesting a formal reinvestigation and immediate removal of all disputed, inaccurate, or unverifiable information from my credit report. The continued reporting of false or unverified data is damaging my credit reputation and causing ongoing harm.

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