vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding repeated violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXXXXXX XXXX These violations have been knowingly facilitated by Equifax, Experian, and TransUnion. 
Attached to this letter is a comprehensive legal dispute package containing : - A legal demand letter outlining violations- A complaint directed at the credit bureaus- A detailed chart of errors and violations- 20 legal questions requiring immediate answers These entries are harming my credit, inflating my debt-to-income ratio, and are not legally verified or validated. I request the CFPB investigate and intervene. 

Sincerely, 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 2025-07-21 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: TX

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding repeated violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXXXXXX XXXX These violations have been knowingly facilitated by Equifax, Experian, and TransUnion. 
Attached to this letter is a comprehensive legal dispute package containing : - A legal demand letter outlining violations- A complaint directed at the credit bureaus- A detailed chart of errors and violations- 20 legal questions requiring immediate answers These entries are harming my credit, inflating my debt-to-income ratio, and are not legally verified or validated. I request the CFPB investigate and intervene. 

Sincerely, 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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS PRESENCE ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND HAS CAUSED SIGNIFICANT EMOTIONAL XXXX. UNDER 15 U.S. CODE 1681e ( b ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ), CONSUMER REPORTING AGENCIES ARE REQUIRED TO FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION THEY REPORT. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS VIOLATION. PLEASE REFER TO THE ATTACHED DOCUMENTATION FOR SUPPORTING EVIDENCE.

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 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MS

Complaint narrative:
I had XXXX dollars on my card, I went to the store and purchased something for XXXX dollars and some change, when I looked back at the app I had XXXX dollars in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The XXXX Department of Education discharged over {$75000.00} in student loans, and I submitted documentation to Experian to verify which specific amounts were discharged. However, instead of reviewing only the discharged loans, Experian removed all student loans from my credit reportincluding three current, open loans that should have remained.

I have contacted Experian more than twenty times to explain that I still have three active loans, yet they continue to insist it is my responsibility to notify XXXX and request that the loans be reinserted. I find this unacceptable, as it was Experian who removed these accounts in errornot XXXX. 

Despite multiple attempts to resolve this, Ive also contacted XXXX, and they confirmed that they never stopped reporting the loans nor requested their removal. I am frustrated, exhausted, and overwhelmed by the ongoing back-and-forth, having to file complaint after complaint simply to correct an error that was not mine. 

All I want is for my three current student loans to be accurately reflected on my credit report. This situation has caused unnecessary XXXX  and confusion, and I respectfully request immediate assistance in correcting 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 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES
State: NC

Complaint narrative:
Contacted XXXX XXXX on XX/XX/2025 to request information regarding an account that was attempting to be collected on. The representatives would and could not provide any information for me to further validate or dispute this debt. I have attached an identity theft report and am requesting collection to cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to 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 explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: WI

Complaint narrative:
I NEVER OPEN AN ACCOUNT ALSO I NEVER GAVE CHEXSYSTEM PERMISSION TO BUY SELL OR TRADE MY INFORMATION. THIS IS A FORM OF IDENTITY THEFT AND ASK CHEXSYSTEM TO STOP REPORTING MY INFO WITH OUT MY PERMISSION.

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 2025-07-21 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/scrub>XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax, Experian and Transunion 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. This fraudulent, inaccurate, and false information consisting of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-21 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:
XXXX XXXX, XXXX, XX/XX/scrub>XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax, Experian and Transunion 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. This fraudulent, inaccurate, and false information consisting of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: OH

Complaint narrative:
This account was opened in XX/XX/year>2019 and is now over six years old. NCB Management is continuing to report this debt as open and active, despite no recent activity or valid proof of ownership. Additionally, they marked the previous dispute as " resolved, '' but I have not received any documentation verifying the accuracy of this debt. This may be an attempt to misrepresent the status of the account and keep it on my report longer than allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MS

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
My name is XXXX XXXX, and I am filing this formal complaint against Experian for violating my rights under the Fair Credit Reporting Act ( FCRA ) following an unauthorized reinsertion of a fraudulent XXXX XXXX XXXX XXXX account on my credit report. 

Timeline of Events : XX/XX/XXXX : Experian deleted XXXX XXXX XXXX XXXX account # XXXX from my credit report after a successful dispute, as documented in the attached consumer disclosure. 

XX/XX/XXXX : Upon reviewing my updated credit report, I discovered that Experian unlawfully reinserted the same XXXX XXXX XXXX XXXX account without providing me with any required written notice within 5 business days, nor any certification from the creditor. 

FTC Identity Theft Report : I have an active FTC Identity Theft Report ( # XXXX ), which clearly identifies me as a victim of identity theft. Experian was properly notified under 15 U.S.C. 1681c-2 to block and permanently remove fraudulent information from my report.

Legal Violations : FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : Prohibits reinsertion of previously deleted accounts unless the furnisher certifies the accuracy and the consumer is notified within 5 business days. Experian failed both requirements.

FCRA 605B ( 15 U.S.C. 1681c-2 ) : Mandates permanent blocking of fraudulent information after receiving an identity theft report. Experians actions directly contradict this requirement.

Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) : By mishandling my sensitive personal data and re-exposing me to identity theft risks, Experian breached their obligation to protect consumer privacy.

Deceptive Practices : Reinstating fraudulent information after acknowledging its inaccuracy is considered deceptive and abusive under federal consumer protection standards.

Personal Impact : Due to Experians negligent reinsertion, my credit score has been damaged again, affecting my ability to secure housing and employment. This ongoing reporting of fraudulent information causes me severe emotional distress, financial harm, and undermines my recovery from identity theft. 

Attached Supporting Documentation : Dispute letter to Experian dated XX/XX/XXXX FTC Identity Theft Report ( # XXXX ) Experian credit reports : one showing deletion ( XX/XX/XXXX ), the other showing unauthorized reinsertion Proof of address and identity verification

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 2025-07-21 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: GA

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 ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: NM

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX MARKED ME LATE ON MY CREDIT REPORT STARTING AT 180 DAYS LATE THIS IS FRAUD. I HAVE TRIED GETTING ASSISTANT FROM XXXX XXXX BUT NOONE IS ANSWERING THE TELEPHONE CALLS OR REPLYING TO MY EMAILS. HOW CAN THEY START ME OFF LATE XXXX, XXXX, XXXX, AND XXXX READING 180 DAYS WITH NO NOTIFICATION VIA EMAIL OR REGULAR POSTAL MAIL, I HAVE WORKED AND RESIDED AT THE SAME HOUSE FOR 30 YEARS ME AND MY FAMILY AND MY DAUGHTERVJUST GRADUATED IN XXXX OF 2025, STUDENT LOANS ARE NOT EVEN DUE. THIS IS FRAUD PLEASE HELP ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: IL

Complaint narrative:
XXXX XXXX MARKED ME LATE ON MY CREDIT REPORT STARTING AT 180 DAYS LATE THIS IS FRAUD. I HAVE TRIED GETTING ASSISTANT FROM XXXX XXXX BUT NOONE IS ANSWERING THE TELEPHONE CALLS OR REPLYING TO MY EMAILS. HOW CAN THEY START ME OFF LATE XXXX, XXXX, XXXX, AND XXXX READING 180 DAYS WITH NO NOTIFICATION VIA EMAIL OR REGULAR POSTAL MAIL, I HAVE WORKED AND RESIDED AT THE SAME HOUSE FOR 30 YEARS ME AND MY FAMILY AND MY DAUGHTERVJUST GRADUATED IN XXXX OF 2025, STUDENT LOANS ARE NOT EVEN DUE. THIS IS FRAUD PLEASE HELP ME.

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 2025-07-21 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: IL

Complaint narrative:
XXXX XXXX MARKED ME LATE ON MY CREDIT REPORT STARTING AT 180 DAYS LATE THIS IS FRAUD. I HAVE TRIED GETTING ASSISTANT FROM XXXX XXXX  BUT NOONE IS ANSWERING THE TELEPHONE CALLS OR REPLYING TO MY EMAILS. HOW CAN THEY START ME OFF LATE XXXX, XXXX, XXXX, AND XXXX READING 180 DAYS WITH NO NOTIFICATION VIA EMAIL OR REGULAR POSTAL MAIL, I HAVE WORKED AND RESIDED AT THE SAME HOUSE FOR 30 YEARS ME AND MY FAMILY AND MY DAUGHTERVJUST GRADUATED IN XXXX OF 2025, STUDENT LOANS ARE NOT EVEN DUE. THIS IS FRAUD PLEASE HELP ME.

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 2025-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am filing a formal complaint against PayPal Inc. for failing to properly process a refund of USD {$3000.00}. On XX/XX/year>2024, PayPal informed me that a refund had been issued to my XXXX XXXX XXXX account. That account was officially closed on XX/XX/year>2024 the same day PayPal claims to have completed the transaction. 

Upon confirming that no funds were received, I immediately notified PayPal. They acknowledged the issue and initiated a trace, promising a resolution within 5 business days. Despite numerous follow-ups, document submissions, and repeated clarifications, I have not received the refund. 

I submitted : A letter from XXXX XXXX stating that the account was closed and no funds were received or processed. 

An email from XXXX officially denying any role in holding or processing these funds. 

Evidence that the refund was sent under the wrong name ( mine ), while the original purchase was made from a business account ( XXXX XXXXXXXX XXXX XXXX ). 

All PayPal chat transcripts and resolution center case records.

PayPal has continued to claim the funds were successfully transferred, ignoring formal statements from both the bank and XXXX. More than seven months have passed with no reimbursement and no accountability from PayPal. 

I respectfully request that the CFPB or XXXX  investigate this matter and compel PayPal to : Refund the USD {$3000.00} to an active account or to my PayPal balance.

Compensate me for the undue delay, stress, and time invested in trying to resolve this matter ( a minimum of USD {$500.00} ).

Provide a clear, written explanation of what happened to the funds.

I have attached all supporting documentation, including : Bank letter XXXX correspondence Screenshots from PayPal support Proof of account closure Legal documentation of the business account Sincerely, XXXX XXXX Email : XXXX Country : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: LA

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. 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 

The following inquiries are not authorized. Please remove it from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please correct and update the late payments on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief