vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: NY

Complaint narrative:
I am filing this complaint regarding inaccurate and fraudulent information on my credit reports maintained by Equifax, TransUnion, and Experian, in violation of the Fair Credit Reporting Act ( FCRA ). I believe these items result from identity theft or unauthorized use of my personal information by a scammer, as I did not apply for or authorize these accounts. 
I reviewed my credit reports and identified the following inaccurate/fraudulent accounts : XXXX XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX  ) This account is not mine ; I did not apply for it or receive any benefits. 
XXXX XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX  ) Reported with inaccurate payment history ( e.g., billing errors or late payments I did not make ). 
XXXX  ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ) Unauthorized and fraudulent ; appears on Equifax and TransUnion reports. 

Additionally, there are unauthorized hard inquiries associated with these accounts, which I did not initiate. These items have appeared without my consent, potentially linked to identity theft or data breaches. Under FCRA 1681b, credit reports can only be furnished for permissible purposes, and I provided no written authorization. 
On XX/XX/year>, I sent formal dispute letters to each bureau via mail, demanding investigation and removal under FCRA 1681i ( procedure in case of disputed accuracy ). I included proof of my identity ( driver 's license, Social Security card, and utility bill ) and explained that these accounts are fraudulent. Despite this, the inaccurate information remains on my reports ( or has not been resolved within the required 30 days ). The bureaus have failed to : Follow reasonable procedures to ensure maximum accuracy ( FCRA 1681e ( b ) ).

Properly investigate and verify the items with furnishers.

Remove or block the fraudulent information as required for identity theft victims ( FCRA 1681c-2 ). 

This has caused significant harm : XXXXl : Denied credit opportunities, including a home purchase. 
Emotional : Severe paranoia and anxiety requiring medication ; ongoing harassment from creditors via calls and letters about these unvalidated " debts. '' Reputational : Defamed my creditworthiness, leading to higher interest rates and stress. 

I have not received adequate responses or corrections, constituting willful noncompliance ( FCRA 1681n ).

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 2025-12-01 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  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 XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  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 Equifax, 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 non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
In XX/XX/year>, an unauthorized transaction of {$910.00} was made through my mobile/digital wallet after I was contacted by a person claiming to be our financial analyst, named XXXX XXXX , from the platform XXXX, which I later discovered is a fraudulent platform. 

Both I and the other party, XXXX XXXX, had accounts on XXXX, according to my conversation with her. XXXX XXXX asked me to help her because she was having issues on the platform, and he guided me step-by-step on what to do with the funds she sent. He insisted that these steps were necessary to recover our investment. 

On XX/XX/year>, XXXX XXXX sent {$910.00} to my PayPal account. PayPal placed the funds on hold until XX/XX/year>. As soon as the funds were released, I followed the instructions from XXXX XXXX and transferred the entire amount to the crypto wallet address provided for XXXX XXXX. 
I did not keep or use any part of the money I transferred it exactly as I received it. 

These transactions were not freely or independently authorized by me. They were made under manipulation, pressure, and false information provided by individuals operating the XXXX scam. I was unknowingly used as an intermediary and truly believed I was assisting in a legitimate process.

I contacted PayPal multiple times to dispute this transaction, request full information, and ask for a proper review. However, PayPal did not provide clear explanations, repeatedly closed my dispute, and did not consider the evidence showing that this transaction was part of a coordinated scam.

I am requesting : a full, fair review of my case, detailed information about all transactions involved, reopening of my dispute, and assistance in recovering the funds lost through this fraud.

I do not have the financial ability to return money that I never kept. I was misled, manipulated, and guided step-by-step into transferring the funds directly to the wallet used by the scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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

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 2025-12-01 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-12-01 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian failed on multiple occasions to verify my identity automatedly for reasons I can not fathom. I do not have eidetic memory, so I don't remember the house I stayed in for a month while I was homeless in my XXXX, no. And I don't remember what street it was on either. It's WILD that if I forget useless trivia about my own history, I'm punished by being unable to access my own data. 

When I tried calling LITERALLY EVERY NUMBER THAT EXPERIAN OWNS, all of them refused to allow me to speak to a person. I begged for XXXX hours to be allowed to see someone, but the AI refused every time. Why? BECAUSE I COULDN'T VERIFY WITH THE INFORMATION I DIDN'T ALREADY KNOW. 

Experian led me down an ouroboros path of frustration and madness, and if I killed myself today, it would be 100 % Experian 's fault.

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 2025-12-01 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: AL

Complaint narrative:
I am submitting this complaint because multiple items on my credit reports with XXXX, Experian, and XXXX  appear to be inaccurate, incomplete, not verifiable, or reported inconsistently between the bureaus. I am requesting that the Consumer Financial Protection Bureau assist in having these items fully investigated and corrected or removed as required under the Fair Credit Reporting Act ( FCRA ). 
Charged Off / Collection Accounts I dispute the following accounts due to inconsistent reporting, questionable balance history, and information I do not recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items appear unverifiable and inconsistent across bureaus. I request proper validation or removal. 

Inquiries ( Unauthorized or Incorrect ) The following Experian inquiries were not authorized by me : 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 XXXX XXXX XXXX XXXX  Please require verification and remove any unverified inquiries.

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 2025-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Fay Servicing, LLC
State: AZ

Complaint narrative:
I had my mortgage set up on auto pay and always made my payments. Then I got a pone call that I was several months behind, but that they couldn't give me any information about it. I tried to log into the mortgage website, but my loan was not found there any longer, I tried to contact customer services, but they could not give me any information. I found out by XXXX that my loan had been sold to Fay Servicing. The new XXXX, Fay Servicing has a phone number ( XXXX ) but no one EVER answers??? I stay on hold for over an hour and still can not get anyone to answer it just keep saying that someone will be with me. In addition I am not able to log into the website nor get anyone on the Phone nor is there a chat option to chat with someone or anything. The only contact that I have is what is called a single point of contact person who occasionally calls to try to get a payment. Now they say I can not make payments. They say my home is going to auction and there is nothing that they can do about it. I requested a reinstatement quote and they have NOT sent it to me and I can not get a hold of anyone???????? Please I need help. Fay Servicing is an absolutely terrible servicer. 

I need HELP : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc.
State: ME

Complaint narrative:
I had cash app for my checking account as of the end of XXXX I had to stop working due to medical reasons therefore stopped having direct deposit. I was still using my cash app for other purchases. In their rules and regulations it states that you can either spend over {$500.00} in XXXX month or get at least {$300.00} direct deposited and you can be in green status which means overdraft protection up to {$200.00} and it rolls over to the following month meaning if I had that in XXXX it would roll over to the end of XXXX. I spent {$640.00} in XXXX but my green status ended XX/XX/XXXX even though it should end XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IN

Complaint narrative:
I am filing this complaint because Fair Collections & Outsourcing ( FCO ) is reporting a debt that can not be verified and appears to be inaccurate. 

The alleged debt is connected to XXXXXXXX XXXX XXXX under account/reference number XXXX I contacted the apartment complex directly on XX/XX/year>, and they confirmed in writing that they have no record of me in their system. Therefore, they can not verify any lease, balance, tenant information, or any charges associated with this alleged account. 

I informed FCO that the apartment has no record of this debt, and I submitted a formal debt validation request. FCO has failed to provide : A copy of the original lease An itemized move-out statement Proof of the charges Documentation of the correct case number ( if applicable ) Proof they have the legal right to collect this debt Any evidence verifying the debt they are reporting to the credit bureaus Despite the apartments confirmation and my validation request, FCO continues to report this debt on my credit report without proper verification. This violates the Fair Debt Collection Practices Act ( FDCPA ) 809 and the Fair Credit Reporting Act ( FCRA ) 611, which require accurate, verified, and substantiated reporting.

I am requesting that the CFPB require FCO to : 1. Provide full validation of the alleged debt or 2. Delete the account from all credit bureaus due to lack of verification and inaccurate reporting. 

I am attaching the email from the apartment showing they have no record of me, along with copies of my dispute and validation requests.

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 2025-12-01 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: MN

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: AZ

Complaint narrative:
I previously submitted a complaint ( # XXXX ). 

The company reached a denial decision regarding my claims. 

Per the company 's response : " If you would like to receive a copy of the documents that we used while making our decision, please contact us at XXXX ''. 

I have reached out to the company asking for said materials as well as, a method to appeal their decisions. However, as of date I have received no reply re : these request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 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 2025-12-01 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: AL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
The debt is not mine and Transworld Systems Inc. ( TSI ) never validated it after my timely dispute. 

XX/XX/XXXX TSI mailed a collection letter to my current and correct residence, claiming I owed XXXX XXXX {$15000.00}. Copy of this communication is provided in the attachments XX/XX/XXXX I disputed the debt in writing and requested full validation under 15 U.S.C. 1692g ( b ) via certified mail to TSIs exact instructed XXXX. Box ( XXXX XXXXXXXX XXXX XXXXXXXX ). TSI never provided validation. Copy of proof of certified mailing and delivery included in attachments. Copy of my dispute letter also included in the attachments. 

XX/XX/XXXX After XXXX years of silence, TSI mailed a second collection letter for the identical amount and alleged debt to a different address, which is an address that I have not lived in for several years. This was after I confirmed and provided my current and correct address in my initial communications back in XX/XX/XXXX. Further, there was no acknowledgement of my original dispute, nor any of the information I requested for validation. 

XX/XX/XXXX I mailed TSI a second dispute and cease-collection demand via certified mail. Copy of the letter and proof of certified mailing included in the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Synergetic Communication Inc
State: NC

Complaint narrative:
This company, XXXX, calls my number multiple times a day looking for someone I do not know. I have asked them to stop. They have not. I do not know anyone named " XXXX '' but used to get calls for this person when I first got this phone number over 15 years ago. I would like this company to stop calling me. I've asked them several times and they keep calling.

Company response to consumer: Closed with explanation