vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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:
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX DATE OF BIRTH XX/XX/XXXX SSN - XXXX Date : XX/XX/XXXX To : Credit Dispute Department Subject : Formal Dispute of Inaccurate/Unverified Accounts under Regulation F, FCRA, CDIA, and XXXX XXXX Guidelines Dear Credit Bureau This letter is a formal dispute concerning inaccurate, incomplete, and/or unverifiable information being reported on my consumer credit report in violation of 15 U.S.C. 1681i, 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), Regulation F under the CFPB, and XXXX XXXX reporting guidelines established by the XXXX XXXX XXXX XXXX ( XXXX ). 
I am requesting an immediate investigation and deletion of the following negative items that are either : - Inaccurately reported- Not compliant with XXXX XXXX formatting- Unverified under 15 U.S.C. 1681i - In violation of Regulation F ( 12 CFR Part 1006 ) # # # Disputed Accounts : 1. [ XXXX XXXX  XXXX ] Account # XXXX These accounts must be thoroughly investigated and verified under FCRA standards. If the data furnisher can not provide competent evidence and complete documentation verifying the accuracy and permissible purpose for reporting this information, it must be permanently deleted.

Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the bureau or furnisher is required to conduct a reasonable reinvestigation. Furthermore, under 15 U.S.C. 1681e ( b ), you are obligated to ensure the maximum possible accuracy of any information reported.

In addition, under Regulation F 12 CFR 1006.34, debt collectors are required to provide itemized validation notices and ensure all communications comply with debt collection rules. Any account that has not followed these rules can not be legally reported.

I am also demanding that you ensure that these accounts are : - Reported with complete and accurate fields per XXXX XXXX Format - Do not violate FCRA 623 obligations to report accurate data - Properly coded, especially for charge-offs and collections # # # If these accounts are not deleted : Failure to comply with these federal regulations and your own internal procedures ( per the CDIA guidelines ) could result in legal action. I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

You have 30 days to complete this reinvestigation and provide a response, as required by law.

Please send me a detailed summary of your reinvestigation, including : - The method of verification - The name and contact of the individual or department that verified each item - A copy of all supporting documentation used in the process Sincerely, 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 2025-06-13 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: KS

Complaint narrative:
TransUnion is reporting an inquiry on my credit report from XXXX XXXX. I did not apply for credit either them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: KS

Complaint narrative:
TransUnion is reporting an inquiry on my credit report from XXXX XXXX. I did not apply for credit either them

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 2025-06-13 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-06-13 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: PA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-06-13 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$250.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$53.00} INQUIRIES : XXXX XXXX XXXX  Date : 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 2025-06-13 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: MI

Complaint narrative:
UPON REVIEWING MY TRANSUINON CREDIT REPORT I NOTICED FRAUDULENT ACCOUNTS THAT I DID NOT AUTHORIZE OR HAD KNOWLEDGE OF. THIS HAS CAUSED ME UNDUE HARDSHIP AND HURTING MY ABILITY TO OBTAIN CREDIT. TRANSUNION STATED THAT THESE ACCOUNTS HAVE BEEN VALIDATED BY THE COMPANIES ( BUT HOW )? HOW IS IT POSSIBLE TO VALIDATE ACCOUNTS THAT WAS OPENED FRAUDULENTLY WHEN THERE WERE FRAUDULENT ADDRESSES, NAMES ECT.THAT WAS ON MY CONSUMERS REPORT.

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 2025-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year>, I purchased a mattress from XXXX XXXX, XXXX for {$3800.00} via PayPal. The transaction ID for this purchase is XXXX. 

After initiating a dispute regarding the transaction, PayPal directed me to return the item to a specific return address they provided in order to be eligible for a refund under their Buyer Protection policy. I complied fully with their instructions, including shipping the item to the address they specified, using a trackable service. The package was successfully delivered, and I have documentation including the shipment details, tracking number, and delivery confirmation.

Despite fulfilling all of PayPal 's required conditions, they failed to issue the promised refund. I have made multiple attempts to resolve this matter directly with PayPal 's customer service and dispute resolution teams, but they have either refused or ignored my requests. This situation has caused financial harm and constitutes a breach of PayPal 's Buyer Protection policy and their User Agreement.

I have maintained complete records of : PayPal dispute case details Proof of shipment and delivery confirmation All related correspondence with PayPal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: NC

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 disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am sending this complaint to Equifax regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified.

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

I request that these accounts be completely removed from my credit report. Please take immediate action to delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Seattle Service Bureau, Inc
State: TX

Complaint narrative:
When I asked if this matter would go to court or if there would be any official process where I could defend myself, I was told there would be no court and no office I could visit to speak to someone. Instead, I was given only two options : pay the amount online immediately or have my drivers license suspended.I explained that I am currently unemployed, do not even own the vehicle in question anymore, and can not afford to pay the amount. I also requested written documentation or any official explanation showing how the debt was calculated, but I was not provided with any clear or formal information. Instead, I was pressured and threatened that my license would be suspended if I did not pay right away.I believe this situation is unfair and feels like an abuse of my circumstances. I am requesting a proper investigation and a fair opportunity to review and respond to this matter before any action is taken against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-13 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: FL

Complaint narrative:
I had made payment on this account since 2023 and only have 1 payment left due in XXXX. I have sent this to all bureaus & only XXXX  has made the change. Very frustrating for the consumer that has been trying to get this fixed for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: NY

Complaint narrative:
I am writing to formally request that you review and update the reporting on my Self credit card account. My account has been marked with late payments that I believe should be removed due to the following : I have paid my balance in full, and my account should reflect this positive payment history.

I was overcharged for my security deposit at the time of account opening, which contributed to confusion about my balance.

I am requesting that my account status be updated to Paid in Full and Current, and that all late payment notations be removed from my credit reports with the major credit bureaus.

I am asking that you make these corrections promptly to reflect the accurate standing of my account. These late payments are negatively impacting my credit, despite my efforts to fulfill all financial obligations.

Please provide written confirmation once these updates have been made. If further information or documentation is required, I am happy to provide it.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: NC

Complaint narrative:
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide validation. Account -  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. The name and address of the original creditor 2. A full itemization of the alleged debt, including interest, fees, payments, and principal balance 3. A copy of the original signed contract or promissory note bearing my signature 4.Proof that you are legally authorized to collect this debt in my state 5. Proof of the chain of assignment or ownership if the debt was purchased or transferred Until you provide all of the above, you must cease all collection activity, including reporting to credit bureaus. Reporting unverified debt violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

Be advised : failure to properly validate this debt or continued reporting/collection activity may result in legal action and a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the FTC, and my state attorney general.

Please respond within 30 days of receipt of this letter.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX XXXX for repeated violations of the Fair Credit Reporting Act ( FCRA ) and for continued reporting of inaccurate and misleading tradeline information to the major consumer reporting agencies ( Experian and XXXX  ). Despite my previous attempts to resolve this matter, XXXX XXXX XXXX continues to report a derogatory tradeline on my credit report with a balance that is no longer valid. This tradeline should reflect a {$0.00} balance and be marked sold in accordance with federal credit reporting laws and Metro 2 CDIA data reporting standards. However, XXXX XXXX XXXX  has failed to : Correct the tradeline following the sale or charge-off of the debt ; Update the status to reflect accurate ownership and balance ; Remove derogatory remarks that no longer apply ; Comply with proper data formatting as outlined in Metro 2 , including Field 17A ( Sold to Another Lender ), Field 21 ( showing {$0.00} balance ), and Field 11 ( Special Comment Code AU ). These failures have materially damaged my credit score, restricted access to financial opportunities, and caused emotional distress and economic harm. This conduct constitutes violations of : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy ; 15 U.S.C. 1681s-2 ( b ) : Failure to investigate and correct disputed information ; 15 U.S.C. 1681i : Failure to reasonably investigate consumer disputes. Additionally, this false and misleading reporting rises to the level of unfair and deceptive trade practices and warrants investigation under both federal and state consumer protection laws. I have also submitted a fraud report with the Federal Trade Commission and submitted copies to the Bureaus and XXXX XXXX XXXX to no avail response other than its been verified. 

I affirm that this account was previously charged off and sold by XXXX to a third-party debt buyer or collection agency. I no longer owe XXXX any balance on this account, and XXXX has relinquished all ownership and legal interest in the debt. This account continually gets a status chage of closed to open to closed to open. Alos, never received a 1099c which is required 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