vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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
State: OK

Complaint narrative:
I want to preface this by saying, I work with XXXX, Im a XXXX XXXX XXXX, the only way to get paid out by XXXX, is through PayPal, so PayPal has to be my middle man either way. I received a payout of about {$1600.00} from XXXX ( a verified, legitimate platform ). Right after the payment arrived, PayPal placed a permanent limitation on my account without giving me any chance to verify the transaction or prove its legitimacy. 

When I contacted PayPal for clarification, they stated that the amount was considered very large and suspicious and that I supposedly have another PayPal account associated with me. This is untrue I have never opened or used any other PayPal account. 

Because of their mistake, PayPal is holding my funds for XXXX  days. They refuse to provide evidence of the alleged second account, and they have not given any valid explanation for restricting or freezing my money. I can not access the {$1600.00} payment that rightfully belongs to me. It is my only way of living, it it the only money I make, and it was supposed to go to my bank account. I do not have any money now and they do not care I already tried to reason with them. 

This has caused financial harm and stress, especially because the payment came from a verified large platform ( XXXX ) and should not have been treated as suspicious

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: CO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within XXXX  days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within XXXX  days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-11-17 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: KS

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within XXXX  days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within XXXX  days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am submitting this complaint regarding my XXXXXXXX XXXX XXXX account ending in XXXXXXXX XXXX  During the months of XXXX, XXXX, and of XXXX the account was reported as past due. This reporting is incorrect. The balance on this account has since been fully paid, and I am requesting that the credit reporting agencies update the status to reflect that the account is paid. 

The inaccurate reporting is negatively affecting my credit profile, and I am requesting that the CFPB assist in ensuring XXXX XXXX corrects this information as required under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter.

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 2025-11-17 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-17 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 disputing multiple unauthorized and fraudulent hard inquiries appearing on my TransUnion credit report. I did not apply for credit with these companies, did not authorize these pulls, and no permissible purpose exists under XXXX XXXX. XXXX. 

Unauthorized Inquiries : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX Bank XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX via Dealer XX/XX/XXXX These inquiries were not made by me and were not authorized. TransUnion must conduct a full reinvestigation and provide the Method of Verification as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ), including : The name of the furnisher contacted Their written verification Copies of the ACDV/ATDV used in the investigation Proof of permissible purpose under 15 U.S.C. 1681b If the companies can not provide documented permissible purpose in writing, these inquiries must be deleted immediately under FCRA 611 ( a ) ( 5 ) and 1681e ( b ).

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 2025-11-17 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: FL

Complaint narrative:
I recently received my credit report an noticed that an account is being reported inaccurrately. My report shows 9 late payments these payments were made on time. As required, consumer reporting agencies must report all information with complete accuracy. This account has never been late. I have attached a copy of my credit report indicating the inaccurate reporting on the following XXXX I am requesting that you conduct an investigation and provide documentation or records showing that i made late payments on this account. If this information can not be verfied, i demand that these late payments entries be corrected immediately to reflect paid on time.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I sent this letter TO EXPERIAN on XX/XX/XXXX, XXXX they recieved via certified mail on XX/XX/year> to the address Experian national consumer assistance center XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Final Escalation Illegal Bankruptcy Reporting To Whom It May Concern, This is my FINAL NOTICE to Experian regarding the XXXX XXXX XXXX being illegally reported on my file. I have already provided full proof of my identity ( Social Security card, drivers license, utility bill ), sent via certified mail # XXXX and delivered/signed on XX/XX/year>. Experian acknowledged receipt. Additionally, I submitted a signed letter from the XXXX XXXX  XXXX XXXX XXXX confirming that the court does NOT furnish, verify, or authorize reporting of consumer records to any credit bureau. 
Despite this irrefutable proof, Experian continues to report this bankruptcy using XXXX as the only source. XXXX is not an original furnisher and has no legal authority to verify my XXXX. Reporting unverifiable data is a direct violation of FCRA 611 and constitutes willful noncompliance.

Therefore, you are hereby DEMANDED to delete this bankruptcy entry within FIFTEEN ( 15 ) DAYS of receipt of this letter. Experian is further placed on notice that any additional stall tactics, duplicate requests for identification, or continued reporting of this unverifiable bankruptcy will be treated as intentional violations of federal law. If this information is not removed, I will immediately escalate by filing complaints with the CFPB, FTC, XXXX, and the Attorney Generals office. I am also prepared to pursue civil action against Experian for damages, attorneys fees, and statutory penalties. 
This is your FINAL OPPORTUNITY to comply. 
Sincerely, XXXX XXXX NOTHING WAS DONE TO FIX THIS ISSUE!

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 2025-11-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CMG Financial Services, Inc.
State: TX

Complaint narrative:
Information I have about the HELOC, was changed to conventional mortgage. They divided the loan into three parts. I wound up with monthly payment for 1. car loan and roof replacement.

2. payment for three windows replacement.

3. separate payment for complete HVAC replacement.

There was to be shown refund for replacement of roof and HVAC. Nothing was ever explained. Original sales person came out to admonish me for the fact I didn't have his team do the HVAC and the windows. But DIDN'T CARE about the sloppy roof replacement. I am still finding XXXX XXXX XXXX  around my house and yard. Plus, I am still waiting for a two by four repair under my carport. While they replaced virtually all the wood on the rood, and the carport roof, they didn't angle the carport roof. This means the water will pool. The salesman never came back or call me. I became totally confused as to why I was receiving three separate bills. I called several times, no one knew. I paid some of what I could. I am afraid of them, now. I really don't want them back. I havbe out of work since XXXX of XXXX, thanks to the individual in the white house.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-11-17 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: FL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under XXXX XXXX. XXXX ( Fair Credit Reporting Act XXXX ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-11-17 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: MS

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported multiple hard inquiries on my credit file that I did not initiate, authorize, or consent to. This conduct violates my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ), as well as 15 U.S.C. 1681g ( a ) ( 5 ). These provisions prohibit the reporting of inquiries not initiated by the consumer unless there is lawful permissible purpose, prior written authorization, or a firm offer of credit.

I have never provided consent for these inquiries, nor have I authorized any third party to access my credit information. The continued reporting of these unauthorized inquirieswithout verifiable proof of permissible purpose, such as a copy of my signed authorizationconstitutes a clear violation of federal law. I respectfully request that this matter be corrected immediately.

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 2025-11-17 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 submitting this complaint regarding multiple accounts on my credit report that I believe to be inaccurately reported. The following are the details of the accounts in dispute : Charged Off Accounts : XXXX XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$4700.00} AFFIRM XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXX XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} XXXX  Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account # XXXX, Date Opened XXXX XX/XX/XXXX, Balance : {$630.00} XXXX XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$360.00} XXXX  Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$310.00} Inquiries : XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXXXXXX XXXX Date Opened : XX/XX/XXXX Positive Accounts : No positive accounts listed foXXXX XXXX at this time. 

Late Payments : XXXX XXXX  Account # XXXX XXXX  Account # 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 2025-11-17 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: KS

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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 writing to formally request the blocking and deletion of all associated with my personal information due to the recent data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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 writing to formally request the blocking and deletion of all associated with my personal information due to the recent data breach

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