vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 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:
I am writing to formally dispute several inaccurately reported items on my credit report. These entries include charge-offs, collections, late-closed accounts, and an inquiry associated with a disputed account. Upon reviewing my credit file, I have identified discrepancies, incomplete reporting, and items that may be unverifiable under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXXXX/XX/year> Under FCRA 611 ( 15 U.S.C. 1681i ), I am entitled to dispute any item I believe to be inaccurate or incomplete, and to request a reasonable investigation. Additionally, FCRA 607 ( b ) requires credit reporting agencies to ensure maximum possible accuracy, and FCRA 623 ( a ) ( 1 ) ( A ) prohibits data furnishers from reporting information they know or should know to be inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Dear CFPB Team, My name is XXXX XXXX XXXX. Im writing to ask for your help regarding my PayPal account, which was permanently limited. 

My account had always received payments normally before. Recently, I tried to test a few items like hats and shirts on XXXX to XXXX XXXX XXXX. After that, PayPal suddenly limited my account permanently. 

I mainly run my XXXX XXXX through XXXX XXXX  XXXX where I sell XXXX XXXX and receive payments from customers online. I believe this was a misunderstanding, and I truly hope PayPal can review my case and allow my business to continue operating. 

Please help me contact PayPal or review this situation. I just want to keep my XXXX XXXX running honestly. 

Thank you very much for your time and support. 

Best regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
On XX/XX/XXXX i bought a car from XXXX XXXX had the failed emissions test hidden in the car and the one that had passed from XXXX on top I tried to go get it registered and put in my name legally and couldnt do nothing couldnt get tags couldnt get registration no insurance nothing on the car bc it didnt pass emissions test so I texted him and asked him to just come get the car and Id just like my money back so I can go get something I dont have to do all this XXXX I was having to do and even offered to take {$500.00} off!!! Bc I had smoked in it so I thought that was more than fair so he tried to tell me to drive it around for 30 days until he could have his guy get it to pass emissions and also was trying to charge me {$150.00} for that I told him I just wanted my money back he said no so I made a dispute I cant do nothing with it Im riding around technically in a stolen vehicle that the seller was a scammer and fraudulent. PayPal sided with the seller in less than XXXX minutes. 


So then lets fast forward to XX/XX/XXXX The same gentleman texted me saying he seen my post on XXXX about wanting to sell it and the description it gave and tried to offer me {$1500.00} for the car not even two weeks later half of what I bought it for well we settled on a price for {$1800.00} he came and checked it out and everything and however he sent the payment thru on PayPal PayPal had put a hold on the funds in my account and was not releasing them u til XX/XX/XXXX well I have a job and rent and bills due and had no car and how he had sent it was off to me bc there has been thousands and thousands of dollars in and out of that same PayPal account and never once had a cent been held so however he sent it was weird so I issued a refund so he could send it marked different through PayPal or through a different service well hes got the title switched In his name he said hes not giving me my money back and to call the police I done lost my job bc I had no car bc he wouldnt give me my money to go buy another one I lost my place to stay bc he wont send me the money that PayPal had held bc of the way he sent it PayPal wont refund me my money theyve sided with the seller and will not even allow me to file a dispute on that transaction nor any other one that deals with this gentleman I have never been onXXXX to just report XXXX bc I need money thats not the case whatsoever I dont have the goods nor funds that were purchased nor sold through their app and have sided with fraudulent sellers and buyers. Needless to say I am highly XXXX about all of this and how PayPals support team handled my calls handled the disputes like I said wasnt even XXXX min and they sided with the seller so idk how I go about getting my funds but I will

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: VA

Complaint narrative:
This is my sixth and final dispute. Your ongoing failure to delete or verify the disputed information is a direct violation of multiple federal laws, including : FCRA 1681i ( failure to investigate ) FCRA 1681e ( b ) ( failure to maintain accuracy ) FCRA 1681n and 1681o ( willful and negligent noncompliance ) CFPA 5536 ( unfair, deceptive, or abusive practices ) 15 U.S.C. 45 ( FTC Act unfair methods of competition ) You are now subject to civil liability, and I am prepared to take this to court, file complaints with the CFPB, FTC, State Attorney General, and pursue full legal remedies, including damages and attorneys fees. I demand the immediate deletion of all inaccurate, unverifiable, or misleading information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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:
b'To Whom It May Concern, Over the past couple of years, I have been a victim of identity. In XXXX, my drivers license and Social Security card were either stolen or misplaced. Since that time, I have noticed several unauthorized accounts and activity appearing on my credit report that I did not initiate or consent to. The following accounts were fraudulently opened in my name and do not belong to 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  I have taken the appropriate legal steps to report this identity theft, including filing an official complaint with the Federal Trade Commission (FTC) and submitting a police report. Copies of both are included with this letter for your review. Under the Fair Credit Reporting Act (FCRA), Section 605B, I am formally requesting that you block and remove these fraudulent accounts from my credit report. This section of the law requires credit bureaus to block information resulting from identity theft within 4 business days of receiving proper documentation. Please update your records accordingly and provide me with a written confirmation once these accounts have been removed. I appreciate your prompt attention to this matter and your help in restoring the accuracy of my credit profile.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-10-10 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: EQUIFAX, INC.
State: TX

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: UT

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) regarding multiple inaccuracies and unverifiable information being reported on my credit file. My credit report reflects an inaccurate name, XXXX XXXX, and several inaccurate addresses, including XXXXXXXX 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 XXXXXXXX, and others that do not belong to me. These inaccuracies violate FCRA 607 ( b ), which requires credit reporting agencies to assure maximum possible accuracy of the information they report. 
In addition, there are multiple accounts with inaccurate late and charge-off statuses and collections that I do not recognize or that have been reported inaccurately, including but not limited to : Late Closed : XXXX XXXX Balance : {$0.00} Charge-Offs : XXXX BANK XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX BANK XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others listed above. 
Collections : XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  with balances ranging from {$150.00} to {$460.00}. 
These furnishers may have violated FCRA 623 ( a ) ( 1 ) ( A ), which prohibits the reporting of inaccurate or unverifiable information, and FCRA 611 ( a ), which gives consumers the right to dispute and have such data corrected or deleted upon reinvestigation. Additionally, several unauthorized or unverifiable inquiries including those from XXXX XXXX XXXX, XXXX CARD, XXXX XXXX XXXX and XXXX XXXX were made without a permissible purpose under FCRA 604 ( a ) ( 3 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: UT

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) regarding multiple inaccuracies and unverifiable information being reported on my credit file. My credit report reflects an inaccurate name, XXXX XXXX, and several inaccurate addresses, including XXXXXXXX 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 XXXXXXXX, and others that do not belong to me. These inaccuracies violate FCRA 607 ( b ), which requires credit reporting agencies to assure maximum possible accuracy of the information they report. 
In addition, there are multiple accounts with inaccurate late and charge-off statuses and collections that I do not recognize or that have been reported inaccurately, including but not limited to : Late Closed : XXXX XXXX Balance : {$0.00} Charge-Offs : XXXX BANK XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX BANK XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others listed above. 
Collections : XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  with balances ranging from {$150.00} to {$460.00}. 
These furnishers may have violated FCRA 623 ( a ) ( 1 ) ( A ), which prohibits the reporting of inaccurate or unverifiable information, and FCRA 611 ( a ), which gives consumers the right to dispute and have such data corrected or deleted upon reinvestigation. Additionally, several unauthorized or unverifiable inquiries including those from XXXX XXXX XXXX, XXXX CARD, XXXX XXXX XXXX and XXXX XXXX were made without a permissible purpose under FCRA 604 ( a ) ( 3 ).

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 2025-10-10 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: UT

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) regarding multiple inaccuracies and unverifiable information being reported on my credit file. My credit report reflects an inaccurate name, XXXX XXXX, and several inaccurate addresses, including XXXXXXXX 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 XXXXXXXX, and others that do not belong to me. These inaccuracies violate FCRA 607 ( b ), which requires credit reporting agencies to assure maximum possible accuracy of the information they report. 
In addition, there are multiple accounts with inaccurate late and charge-off statuses and collections that I do not recognize or that have been reported inaccurately, including but not limited to : Late Closed : XXXX XXXX Balance : {$0.00} Charge-Offs : XXXX BANK XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX BANK XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others listed above. 
Collections : XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  with balances ranging from {$150.00} to {$460.00}. 
These furnishers may have violated FCRA 623 ( a ) ( 1 ) ( A ), which prohibits the reporting of inaccurate or unverifiable information, and FCRA 611 ( a ), which gives consumers the right to dispute and have such data corrected or deleted upon reinvestigation. Additionally, several unauthorized or unverifiable inquiries including those from XXXX XXXX XXXX, XXXX CARD, XXXX XXXX XXXX and XXXX XXXX were made without a permissible purpose under FCRA 604 ( a ) ( 3 ).

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 2025-10-10 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: GA

Complaint narrative:
TransUnion has failed to safeguard my sensitive personal information, as confirmed by the recent data breach impacting more than XXXX XXXX consumers in XX/XX/year>. Highly sensitive data including Social Security numbers, dates of birth, and other identifiers were exposed due to TransUnions reliance on an unsecured third-party system. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 1681e ( b ) ( duty to maintain maximum possible accuracy ) and 1681b ( permissible purposes ). In addition, inaccurate and unauthorized information remains on my credit file, which TransUnion has a statutory duty to delete or correct under 1681i. This breach and the continued reporting of unverifiable data put me at risk of identity theft, fraud, and financial harm.

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 2025-10-10 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate reporting of a late payment on the account XXXX ( Account No. XXXX, Balance : {$520.00} ). This account has been inaccurately reported as late while it remains in an open and active status. According to FCRA 607 ( b ), consumer reporting agencies are required to ensure maximum possible accuracy of information. Additionally, FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or reasonably should know 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 non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: OK

Complaint narrative:
In XX/XX/year>, I discovered that Synergetic Communication , Inc. was reporting a {$5700.00} collection account on my credit reports, allegedly originating from XXXX XXXX XXXX 

On XX/XX/year>, I sent a Debt Validation Letter by XXXX Certified Mail to Synergetic Communications corporate office at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. The letter included my full identifying information, the account number, and a written dispute of the debt. 

I requested validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, including : A copy of the original signed lease agreement establishing the debt ; A detailed itemization of how the {$5700.00} amount was calculated ; Proof of Synergetics authority to collect the debt ; and Full information for the original creditor. 

XXXX tracking confirms delivery on XX/XX/year>. 

As of XX/XX/year>, Synergetic has not provided any validation or supporting documentation. Despite this, the company continues to report the debt to all three credit bureaus. 

Most importantly, my newly obtained credit reports ( XX/XX/year> ) now show that Synergetic has marked the account as consumer disputes this account. 
This indicates Synergetic acknowledged receipt of my dispute yet they still continue reporting the unvalidated debt, which is a direct and knowing violation of both the FDCPA ( 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 1681s-2 ( b ) ).

Under 15 U.S.C. 1692g ( b ), once a consumer disputes a debt, the collector must cease all collection activity until the debt has been validated.

Reporting a disputed but unvalidated account to credit bureaus constitutes prohibited collection activity.

Furthermore, the FCRA ( 15 U.S.C. 1681s-2 ( b ) ) requires data furnishers to ensure the accuracy of information they report. By maintaining an unverified account marked disputed, Synergetic is knowingly reporting incomplete and inaccurate information. 

Evidence Available I have retained : A copy of my XX/XX/year> Debt Validation Letter ; The XXXX Certified Mail receipt and delivery confirmation showing delivery on XX/XX/year> ; and Updated XX/XX/year> credit reports showing the Synergetic account marked as disputed but still actively reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding chimes handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using chimes numerous times and reporting discrepancies, my financial institution and chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that chime has not neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation