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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
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 2025-11-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I want this company to remove the negative info that reporting on my credit I did not take out another loan with them. My sister did this I have submitted all proof and they keep harassing me for payments I did not take out my sister kenyell did this without my consent she stole not only my identity but also my kids

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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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: EQUIFAX, INC.
State: PA

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update e records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I created a PayPal account with my email, which I have had for years. Several weeks ago I was asked to verify my account through my personal ID and I did it. I was also asked to give an explanation of my transactions and I did it. 
Last week I received money from my daughter, and PayPal unfairly limited my account, I follow its steps, I proportioned the explanation about the transaction and after 4 or 5 days I was notified that my account was permanently suspended. This is an abuse, I'm just a XXXX  XXXX  who needed an account in USD, I'm extremely mad and disappointed.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the following charged-off accounts with Experian : XXXX, XXXX, XX/XX/year>, Balance : XXXX XXXX XXXX  XXXX XXXX, XX/XX/year>, Balance : XXXX CHARGED OFF I am disputing the following charged-off accounts with Experian : XXXX, XXXX, XX/XX/year>, Balance : XXXX XXXX XXXX, XXXX XXXX XX/XX/year>, Balance : XXXX LATE PAYMENT I am disputing the following late payments with Experian : 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: KY

Complaint narrative:
I recieved many fraudulent charges on my account in a XXXX hour period from a " XXXX XXXX XXXX  '', " XXXX XXXX XXXX XXXX  '', " XXXX XXXX XXXX '' and " XXXX XXXX XXXX '' and amounts ranging from XXXX XXXX  to XXXX XXXX  USD. 

I reported this to XXXX and was told to dispute the charges through their system but that it would take up to 45 days, my account may be closed and it is largely up to the scammers to defend their case which is absolutely unacceptable. 

I can be stolen from immediately but it takes them over a month to even look at it, those committing the fraud get to defend themselves and I likely lose the account that my paychecks go into? This is insanity. 

I never authorized any sort of fruit game to make purchases, nor have I played one. XXXX XXXX XXXX is just a name. Why were these charges allowed to leave my account??

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Kovo
State: MI

Complaint narrative:
I opened this card to build my credit. they kept giving me additional fees or wanting money that wasn't part of my payment. then they charged me additional fees after i paid the payments and then tried to pay the card off. this is showing delinquent on my credit report and it doesn't make any sense- i paid the principle balance off. i can't get ahold of anyone there to answer any questions for me or understand how they say i owe this money. there was no additional statement i can get or provide to me and my account is closed.

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: PR

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 2025-11-04 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: Experian Information Solutions Inc.
State: AR

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 2025-11-04 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: FL

Complaint narrative:
I am writing to dispute and request the immediate blocking and removal of inaccurate student loan accounts being reported in my name that appear to have resulted from identity theft and a data compromise. My personal and financial data were compromised in violation of my educational privacy rights under XXXX, and I believe this led to the improper reporting of the following account ( XXXX ) : Department of Education / Aidvantage Account No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( and related student loan accounts ) * * These accounts contain inaccurate late-payment information and do not reflect my true credit history. 
Under FCRA XXXX ( XXXX ) and XXXX ( a ), I am requesting that XXXX  : XXXX. Block and delete these accounts from my file immediately, XXXX. Notify the Department of Education and Aidvantage of this dispute, and XXXX. Ensure these items are permanently removed if they can not be verified as lawfully mine. 
In addition, I request that the Department of Education review this matter for full loan discharge or relief due to the data compromise and FERPA violation that exposed my personal and educational information. 
Attached are copies of my FTC Identity Theft Report, police report, and photo identification. Please provide written confirmation once this matter is resolved and my file is corrected.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing the following charged-off accounts reported on my Experian credit report : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00}

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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I am writing regarding my consumer credit file. Upon review, I have identified several debts and/or negative entries that I believe are inaccurate, incomplete, or can not be verified in accordance with the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX et seq. These inaccuracies may constitute a violation of your duties under the FCRA, including those outlined in XXXX U.S.C. XXXX, which establishes civil liability for willful noncompliance.

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: Early Warning Services, LLC
State: GA

Complaint narrative:
I am writing regarding my consumer credit file. Upon review, I have identified several debts and/or negative entries that I believe are inaccurate, incomplete, or can not be verified in accordance with the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX et seq. These inaccuracies may constitute a violation of your duties under the FCRA, including those outlined in XXXX U.S.C. XXXX, which establishes civil liability for willful noncompliance.

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: PR

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Upon reviewing my Credit Report, I noticed incorrect information. I understand the importance of timely payments and take full responsibility for this oversight. I live in XXXX, XXXX and my family and I were recently hit by XXXX XXXX on XX/XX/year>. My family and I were displaced and had to start over due to severe damage to our home and property. This has been a major set back for me and I am putting the pieces of my life back together. Despite this isolated incident, I have a consistent history of on-time payments with your company, as demonstrated by my payment record prior to and following these late payments. I have had a great track record with my credit history and plan to stay on track from here on out and into the future.

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: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is a follow-up regarding the complaint I previously filed about inaccurate items that Equifax continues to report despite my repeated disputes and submissions of documentation. Ive done everything a consumer can reasonably do Ive provided proof, followed instructions, and waited for Equifax to handle the matter properly. Yet the same information that should have been deleted is still showing on my credit report, and my confidence in the process has slowly eroded with every delay. 

I know that under the Fair Credit Reporting Act, Equifax is required to conduct reinvestigations that are fair, thorough, and timely, and that unverifiable or inaccurate data must be deleted. But from my perspective, it feels as though the reinvestigation process was either rushed or automated without meaningful review. The consequences for me have been very real limited credit opportunities, emotional distress, and the feeling that my efforts to correct these wrongs are being dismissed.

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 was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2, requesting a reinvestigation and deletion of an inaccurate or unverified account that is appearing on my credit report. 

I believe this account is inaccurate, incomplete, or unverifiable. I have no record, documentation, or contractual agreement supporting this debt, and it may be the result of an error or identity misuse. 
I understand that the FTCs XXXX system is currently unavailable due to the federal government shutdown, which prevents consumers from generating or submitting an FTC Identity Theft Report. Because of this, I am proceeding under my FCRA rights to dispute and request deletion of unverifiable data directly through this CFPB complaint.

Under 15 U.S.C. 1681i ( a ), the credit bureau is required to conduct a reasonable reinvestigation and delete or correct any information that can not be verified within 30 days.

Under 1681s-2 ( b ), the furnisher of the information is also required to investigate and update or remove any data found to be inaccurate or incomplete. 

Please provide : The name and contact information of each furnisher used to verify this account ; and Copies of any documentation used to verify the accounts accuracy. 
If the account can not be verified within the required timeframe, it must be deleted from my credit file. Failure to comply will be considered a violation of federal law and may result in formal follow-up complaints with the CFPB, FTC, and my state attorney generals office once federal operations resume. 
Thank you for your prompt attention. I request written confirmation of your findings and an updated report reflecting the results of your reinvestigation.

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