vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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 youhave 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 XXXX you an additional XXXX XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that do not reflect the maximum possible accuracy. These errors are causing significant distress and continue to negatively impact my life in profound ways. These are challenging times, and correcting or removing these inaccuracies would provide substantial assistance and relief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX sending this because Experian has reported several charge-off accounts that are NOT mine. 

XXXX XXXX shows {$3800.00} and XXXX  XXXX charge-off status from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX DC XXXX XXXX shows charge-off from XX/XX/XXXX to XX/XX/XXXX. I never opened these accounts and they belong to someone else with a similar name. 

When I disputed them, Experian " verified '' them but never provided a signed application, full XXXX match, or any proof. This is a classic mixed-file / wrong-person error, exactly the kind courts have flagged. Courts like XXXX v. TransUnion ( XXXX Cir. XXXX ) and TransUnion XXXX XXXX, XXXX have confirmed serious harm from such reporting errors.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I had taken out a credit card with XXXX XXXX back in XXXX for a ring and it was through TD Bank. They shortly stopped doing business with XXXX XXXX a few months after I received the line of credit. 

Ultimately I had only missed XXXX payments in XXXX, up until mid XXXX where there was a string of missed payments. Those only happened because they switched their online portal access and I wasn't able to log in- it would say that I would need to contact their customer service departments. Over the months I would attempt to get ahold of them, but I would be on hold for hours at a time without receiving anyone to speak with. Finally I tried to reach out via email in XXXX of XXXX to attempt to reach them but received a response that said they were the XXXX support and that I would need to find TD Bank XXXX via XXXX XXXX and speak with them that way. I attempted to but they took a long time to get back to me and tried calling me, but I never received any calls that were specifically from them. They claimed they called me, but with so many spam calls I receive it's hard to tell if they did. 

The account ended up getting charged off due to the fact that I wasn't able to make any payments since I could not log in to pay nor reach customer service using appropriate channels ( calling or emailing ) and instead had to message them on XXXX and wait for a call even after following up on the fb messages I was ghosted with no resolution. Ultimately I paid off the remaining balance of roughly XXXX XXXX dollars and change in XXXX when the debt collecter XXXX XXXX contacted me successfully. 

I have attached my communication via email and facebook messenger as well as a statement from XXXX XXXX that we had paid this account in full with them on behalf of XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I was sent money to my PayPal to give money to my roommate to bring stuff to her friend in the hospital. I went to ATM and took the money out. I keep no balance in my PayPal account. I dont sell. I use to buy mostly from XXXX, as it converts into XXXX. Later I started getting messages and calls from PayPal demanding XXXX $ XXXX change. I had no idea what it was for. It showed nowhere in my transactions and still doesnt. So, without contacting me, PayPal credited this guy his money back stating I did not provide services or goods as agreed. So, basically I can use my PayPal and get all my money back for anything I spend it on? I dont check the app often, as it just pulls money straight from my account. Ive called and explained this over and over to PayPal and XXXX still out the money plus fees associated with the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
On XX/XX/year>, I reviewed my credit reports from all three bureaus ( Experian, Equifax, and TransUnion ) and found several inaccurate and unverified accounts being reported. I disputed the following accounts as inaccurate or unverifiable : XXXX XXXX - reporting incorrect payment history and balance. XXXX XXXX - account does not belong to me. XXXX XXXX - I did not open this account. Does not belong to me. XXXX XXXX - showing an account that was paid and closed still listed as active with a balance. XXXX XXXX  XXXX XXXX XXXX - showing incorrect balance and payment history. XXXX XXXX XXXX XXXX XXXX ( XXXX accounts ) - multiple duplicate student loan accounts reporting incorrectly. ConServe - collection account not belonging to me. XXXX XXXX XXXX - collection does not belong to me Credit Bureau XXXX ( XXXX accounts ) - reporting inaccurate or duplicate collections. XXXX XXXX XXXX - account not verified with original creditor documentation. Gs Bank USA- account does not belong to me. I submitted disputes with documentation to each credit bureau on XX/XX/year>, requesting investigation and verification of each account. As of XX/XX/year>, the credit bureaus either verified the accounts without providing proof from the furnishers or failed to correct the errors. These inaccurate accounts continue to report negatively and impact my XXXX XXXX. I am requesting that the CFPB investigate and ensure each bureau and furnisher properly verifies or removes these inaccurate and unverifiable accounts in compliance with the Fair Credit Reporting Act ( FCRA ).

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 2025-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Can you give this a quick check? I did it late and it may be wrong.

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 2025-11-21 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: Early Warning Services, LLC
State: IL

Complaint narrative:
Subject : Request for Permanent Removal of Trafficking-Related Information under Section 605C of the Fair Credit Reporting Act ( FCRA ) Dear Consumer Advocacy XXXX XXXX XXXX, XXXX XXXX XXXX XXXX that I am a victim of human trafficking and am invoking my rights under Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-3 ).

I am requesting the permanent deletion of all adverse information on my Early Warning Services consumer report that resulted from my trafficking situation. 

Please locate my report using the following identifying details : Consumer ID : XXXX Full Name : XXXX XXXX XXXX ( Last XXXX ) : [ XXXX ] Date of Birth : XX/XX/year> Address : XXXX XXXX XXXX, XXXX, IL XXXX The records connected to the following financial institutions were affected and should be permanently removed : XXXX XXXX XXXX XXXX - contribution ref # : XXXX As required under Section 605C, I am providing : XXXX. Proof of XXXX XXXX of government ID XXXX. Documentation of Trafficking Victim Status self-attestation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TX

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 XXXX ] Account XXXX : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
XXXX giving authorization to continue with the capital one dispute my name is XXXX XXXX capital one is reporting incorrect information, which I have pointed out dates balance and charge off status please follow up to correct all XXXX reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I am filing a complaint regarding Suncoast Credit Union involving a wrongful repossession, lack of required notice, an unlawful sale of my vehicle, an unauthorized withdrawal ( setoff ) from my checking account, inaccurate credit reporting, and financial harm caused by being placed into a high-interest replacement auto loan. 

I financed a XXXX with Suncoast Credit Union and was never in default. I made payments on XX/XX/year>, XX/XX/year>, and XX/XX/year>. Despite being current, Suncoast repossessed and sold my vehicle. 

XXXX stated they mailed a Notice XXXX XXXX to Sell dated XX/XX/XXXX, but later confirmed to me that the certified letter was returned undelivered. I never received this notice, and XXXX took no additional steps to notify me, yet they sold my vehicle on XX/XX/year>. 

I also never received the required post-sale accounting explaining the sale price, fees added, or deficiency calculation. 

After the sale on XXXX XXXX, XXXX withdrew approximately {$4800.00} from my checking account without my authorization as an offset, despite prior payoff quotes being approximately {$2500.00}. I received no documentation explaining this withdrawal or how the inflated balance was calculated. 

They reported a repossession to TransUnion, which has already harmed my credit. As a result of this inaccurate reporting, my XXXX XXXX dropped, and when I had to finance a replacement vehicle, XXXX only approved me at XXXX  % interest, which is significantly higher than typical XXXX XXXX XXXX XXXX This has caused further financial harm. 

I have attempted multiple times to resolve this with XXXX, but they maintain they did nothing wrong and refuse to correct the credit reporting, refund the unauthorized withdrawal, or provide the required documentation. 

I am requesting that CFPB investigate XXXX handling of this loan, their failure to provide required notice, their failure to provide the post-sale accounting, the unauthorized withdrawal, and the inaccurate credit reporting. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am requesting that TransUnion review the following accounts on my credit report. I believe these entries may contain errors, and I ask for their correction or removal if they can not be validated. 
INQUIRIES XXXX, XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disclaim ownership of these accounts ; they must be taken off within XXXX  days under USC 1681g.

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 2025-11-21 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least XXXX  days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: IL

Complaint narrative:
I am submitting this statement to dispute the following inaccuracies on my credit report. The accounts in question do not accurately reflect my credit history, and I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate these issues. The following is a breakdown of the accounts under dispute, separated by credit bureau : Charged-Off Accounts : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7700.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} Late Payment : XXXX XXXX XXXX Account Number : XXXX Late Payment Date : [ Please provide the specific date of the late payment ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax has refused to properly investigate a claim from consumer predatory agency XXXX XXXX  who has damaged my credit with a fraudulent account listed in my name that I am not responsible for I ask that this account be removed from my credit profile, i will seek legal action on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NM

Complaint narrative:
The item in question does not align with my actual financial behavior. Please update the file after proper evaluation.

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