vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX- XXXX Phone : ( XXXX ) XXXX Email : XXXX Subject : URGENT Complaint Credit Reporting Violations by Experian, Equifax, and TransUnion To Whom It May Concern, I am filing this complaint against Experian, Equifax, and TransUnion due to their repeated failure to remove unauthorized hard inquiries, fraudulent collections, and inaccurate accounts from my credit report.

Despite multiple dispute letters and legal notices I have sent, they have continued to report false and unverifiable information. These inaccuracies are significantly damaging my credit score and causing me emotional and financial distress.

I have never authorized the following hard inquiries or opened the following accounts : Hard Inquiries Made Without My Consent : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX Inaccurate Collections : XXXX XXXX XXXX ( multiple entries ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Legal References : FCRA Sections 609 ( a ) ( 1 ) ( A ), 611 ( a ) ( 1 ) ( A ), 611 ( 5 ) ( A ), 616 & 617 FDCPA Section 805 ( c ) Failure to verify and delete unsubstantiated accounts is a violation of federal law.

I am requesting your agencys immediate intervention to compel the credit bureaus to delete the following from my reports : 1. All unauthorized hard inquiries 2. All inaccurate collection accounts 3. All unverifiable negative items I have attached evidence of my previous dispute letters and communications. I am fully prepared to pursue litigation and escalate this matter if these items are not removed immediately. I am seeking full resolution, deletion of all disputed information, and written confirmation.

Thank you for your time and immediate action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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:
b'I am writing to inform you that my personal information was involved in one are more recent data breaches. Due to this exposure. I am concerned about the potential for identity theft or other misuse of my personal data. i would like to request that a fraud alert be placed on my credit file, and i would also appreciate any guidance you can provide regarding credit monitoring or identity protection services. Please confirm receipt of this request and let me know if any additional information or documentation is needed from my side. \n\nThank you for your assistance 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 2025-07-04 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: CA

Complaint narrative:
b'I am writing to inform you that my personal information was involved in one are more recent data breaches. Due to this exposure. I am concerned about the potential for identity theft or other misuse of my personal data. i would like to request that a fraud alert be placed on my credit file, and i would also appreciate any guidance you can provide regarding credit monitoring or identity protection services. Please confirm receipt of this request and let me know if any additional information or documentation is needed from my side. \n\nThank you for your assistance 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 non-monetary relief
Consumer complaint received 2025-07-04 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: 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 XXXXXXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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:
I am a freelancer and I use PayPal to receive payments from my clients. XXXX of my regular clients, XXXX XXXX XXXX, sent me multiple payments for freelance services related to online content, including a payment of {$100.00} USD on XX/XX/XXXX, at XXXX XXXX  XXXX, for XXXX videos about Adsense. This transaction was marked as Completed and Goods and Services with a net amount of {$100.00} after fees. 

This client continued to work with me. On XX/XX/XXXX, he agreed to send another {$100.00} USD to a different email I used for receiving XXXX funds. The transaction was successful, and I received the payment. 

Suddenly, on XX/XX/XXXX, I noticed my entire PayPal balance of {$260.00} was deducted in one transaction marked as Correction by PayPal. This left my account at {$0.00}. I did not receive any warning, dispute notification, policy violation notice, or valid reason for this deduction. I immediately contacted the client and asked him not to open any dispute, and he confirmed he did not.

I attempted to contact PayPal support but received no meaningful response or explanation. I was never told why my account was permanently limited or why the full amount was seized without refund or appeal. 

Attached are the following proofs : - Screenshot of the {$100.00} payment showing it was goods/services and marked completed. 
- XXXX chat with the client proving the payments were voluntary and legitimate. 
- Screenshot of the {$260.00} deduction labeled Correction on XX/XX/XXXX, showing the balance dropped to {$0.00}. 

This money was earned through freelance work and was not involved in any violation or fraud. I am requesting the following : XXXX. A full refund of the {$260.00} that was unfairly removed from my account. 
XXXX. A formal explanation of why this money was taken and the basis of the Correction deduction. 

Thank you for investigating my case. I rely on this income to support myself and I respectfully ask that PayPal be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: GA

Complaint narrative:
Complainant : XXXX XXXX Phone : XXXX ( XXXX ) XXXX Email : XXXX I, XXXX XXXX, am submitting this formal complaint regarding multiple inaccurate and unverifiable items found in my credit file, which I accessed via XXXX. These inaccuracies represent violations of my rights under the Fair Credit Reporting Act ( FCRA ) and have not been properly addressed by the consumer reporting agency, despite my lawful and valid dispute. 

This complaint is submitted to urge the Consumer Financial Protection Bureau ( CFPB ) to investigate the following non-compliance issues : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy ; 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation into disputed information ; 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification ; 15 U.S.C. 1681g : Failure to provide full file disclosure upon request.

I lawfully authorized a third-party service to assist in filing this dispute and submitted complete identifying documentation to ensure processing without delay. This is not a vague or frivolous dispute. I am demanding a full, good-faith reinvestigation of the data reporting under my file. 

Disputed Accounts : XXXX XXXX Acct # : XXXXXXXX XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Acct # : XXXXXXXX XXXX  Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Acct # : XXXXXXXX XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Acct XXXX : XXXXXXXX XXXX  Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Acct # : XXXXXXXX XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Acct # : XXXX  XXXX  Opened : XX/XX/XXXXXXXX  Disputed Inquiries ( Unverifiable or Unauthorized ) : XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Dates : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Dates : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These items are reporting inaccurately and/or can not be verified as required by law. If any portion of these recordsbalance, status, remarks, payment history, or date openedis incorrect or unverifiable, they must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: MS

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

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> 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 abou t whom the report relates according t

o 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 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 2025-07-04 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: CA

Complaint narrative:
This letter serves as my third formal dispute regarding certain inaccurate and fraudulent items that appear on my credit report due to identity theft. Despite my prior communications dated XX/XX/year>XX/XX/XXXXand XX/XX/year>, these accounts remain unresolved. 
I am asserting my rights under the following laws : FCRA 602 ( A ) It is the policy of Congress that consumer reporting agencies shall adopt reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. 
FCRA 611 ( 15 U.S.C. 1681i ) I have the right to dispute information on my credit report that I believe is inaccurate or incomplete. You are required to reinvestigate the items in question and record the status within 30 days.

FCRA 605B ( 15 U.S.C. 1681c-2 ) As the victim of identity theft, I have the right to request that fraudulent information resulting from identity theft be blocked from my credit report.

FCRA 623 ( 15 U.S.C. 1681s-2 ) Furnishers of information have an obligation to report accurate information and to correct or delete inaccurate, incomplete, or unverifiable information.

FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) If any of the disputed accounts are being collected, I have the right to request validation of the debt and for collection to cease during the investigation.

Details of the fraudulent accounts : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: OH

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

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 2025-07-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: OK

Complaint narrative:
I had borrowed money from Cash app through their Borrow program. I was later let go from my job without warning so I had asked them twice if theres anyway that we could extend the due date ( XXXX ) for the repayment. Each time they assured me that it shouldnt be a problem that they would send me the email with further instructions/information. I never received said email from Cashapp but theyre pretty spot on and quick to send me the late payment notices. Everybody goes through hardships and to say Im going through XXXX right now would be an understatement. Which I have explained to the support team at cash app. Ive been with cash app for years so I dont understand why they would treat me this way. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Self Financial Inc.
State: CA

Complaint narrative:
XXXX {$15.00} XXXX {$12.00} XXXX {$5.00} XXXX {$10.00} XXXX {$12.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Inquiry made on XX/XX/24 that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Checkr, Inc
State: HI

Complaint narrative:
I submitted a background check request through Checkr for XXXX XXXX  over a month ago. Despite having no arrests or criminal history, my report has been stuck in In Progress status and has missed at least four estimated completion dates.

When I contacted Checkr support, they repeatedly gave vague, copy-paste responses blaming nationwide court delays, but my Candidate Portal shows no county or court listed as causing any delay. XXXX XXXX  even resubmitted the background check, yet the status remains unchanged with no real updates or explanation. 

I have urgently requested escalation to a human manager due to the critical nature of this delay, as it is causing severe personal hardship as I am at risk of homelessness because I can not begin working until this background check clears.

I have made multiple attempts to get accurate information and resolution from Checkr, but they have failed to provide any meaningful updates or complete the check in a timely manner, effectively preventing me from earning income and supporting myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am submitting this complaint to dispute the accuracy and legal validity of the following item on my Experian credit report : Midland Credit Management This debt buyer has reported an alleged collection account without providing sufficient legal validation. Under the FDCPA 1692g, they are required to supply proof, including the original contract and assignment documentation, within 30 days of my dispute. They have failed to do so XXXX XXXX XXXX. 

Therefore, per FCRA and FDCPA, I request this account be immediately removed due to lack of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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