vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: MN

Complaint narrative:
I have attempted to contact the office multiple times after visiting in person and being informed that the location had moved from downtown to XXXX XXXX and that staff are now working remotely. Despite these efforts, I have not received any response from local staff or my assigned support worker.

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 2025-12-01 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: MN

Complaint narrative:
I have attempted to contact the office multiple times after visiting in person and being informed that the location had moved from downtown to XXXX XXXX and that staff are now working remotely. Despite these efforts, I have not received any response from local staff or my assigned support worker.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint because EXPERIAN continues to report accounts on my credit file that were previously removed and should never have been reinserted. I am beyond frustrated at this point. I have already filed FTC Identity Theft Reports and previous CFPB complaints, yet XXXX  continues to ignore my disputes and keeps reporting the same inaccurate and unverifiable information as if federal law does not apply to them. The following accounts were removed in prior disputes and later reinserted without notice, certification, or any proof of accuracy : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) XXXX  XXXX ( XXXX ) Reinserting accounts without proper notice and certification is a violation of the Fair Credit Reporting Act and Experian has failed to comply. I was never notified within the legally required timeframe and I was never given proof that these accounts were verified using proper procedures. Experian is required to conduct a reasonable reinvestigation within 30 days and provide written results explaining how the information was verified. That never happened. They simply reinserted the accounts without transparency or accountability.

This has gone on for far too long. Experian has repeatedly refused to conduct a real investigation and has ignored my documentation and disputes. Instead of complying with the law, they continue damaging my credit and treating my file as if accuracy does not matter. This is reckless, negligent, and abusive conduct.

I am mentally and emotionally exhausted from having to chase the same errors over and over again. This is not a minor inconvenience. My financial life is being impacted and I am being forced to relive the stress every time I check my report and see the same accounts wrongfully reinstated. It is unacceptable that after filing FTC reports and CFPB complaints, this issue still has not been resolved.

I am demanding the CFPB step in and force Experian to take action. I want immediate deletion of all reinserted accounts, written explanation of how these accounts were verified, and proof of certification as required by law. If Experian can not produce documentation, then these accounts must be permanently deleted.

I am asking the CFPB to hold Experian accountable and make them comply with federal law. I am done being ignored. I am done being patient. I want enforcement, deletion, and accountability now.

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 2025-12-01 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: Early Warning Services, LLC
State: TX

Complaint narrative:
I was homeless for years, from house birth certificate social security card always missing, and on top of that XXXX XXXX reported my social was on the dark web! I did not authorize, participate in, or benefit from inquiries or account openings, or other items appearing on my XXXX consumer file or any consumer report prepared or distributed by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
Please only delete XXXX XXXX XX/XX/year> Accidentally put in XXXX XXXX XX/XX/year> and XXXX XXXX XX/XX/year> on my last request. Please leave XXXX on my credit

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 2025-12-01 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: RI

Complaint narrative:
Please only delete XXXX XXXX XX/XX/year> Accidentally put in XXXX XXXX XX/XX/year> and XXXX XXXX XX/XX/year> on my last request. Please leave XXXX on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
In XX/XX/2025, I purchased football match tickets from XXXX and paid through PayPal. When I arrived at the stadium, the tickets could not be scanned, and the staff informed me they were counterfeit. I took a photo showing the rejection on the scanning machine.

Immediately after the incident, I contacted XXXX. They admitted the tickets were invalid and confirmed in writing that they would issue a refund. However, after several months, no refund was issued.

Because the seller failed to refund me despite acknowledging the counterfeit tickets, I filed a dispute with PayPal and provided the following evidence : Photo showing the tickets were rejected at the stadium Confirmation from stadium staff that the tickets were fake Written admission from XXXX that the tickets were invalid XXXX written confirmation that they agreed to refund me Despite this clear and verified evidenceincluding the sellers own written admissionPayPal closed the dispute in favor of the seller. No explanation was provided that reasonably addressed the evidence I submitted.

I have attempted to contact PayPal multiple times, including through their Resolution Center and customer service channels, but the only responses I received were automated messages stating the case could not be reopened.

I am requesting CFPB assistance because PayPal failed to apply its Buyer Protection policy correctly and refused to review the case even though the seller admitted selling counterfeit goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-12-01 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: Credit Control, LLC
State: VA

Complaint narrative:
Re : FORMAL DISPUTE Demand for Full Verification or Deletion Under FCRA To Whom It May Concern, I am formally disputing all negative, inaccurate, incomplete, outdated, or unverifiable items currently reporting on my credit file. Under the Fair Credit Reporting Act ( FCRA ), you are required to verify every single account with original documentation, not automated eOSCAR responses.

For each negative item, I am demanding : The original signed contract/agreement Full payment history Proof of ownership or assignment of the debt Method of verification Identity of the verifier Proof of full FCRA 607 ( b ), 611, and 609 compliance If ANY item can not be verified with original documentation, it must be immediately deleted from my credit file.

I am disputing ALL negative items, including but not limited to : Collections Charge-offs Late payments Repossessions Incorrect balances or dates Hard inquiries Any item that is inaccurate or unverifiable Please initiate a full reinvestigation and provide written results within 30 days as required by law. If you fail to comply, I will file complaints with the CFPB, FTC, and State Attorney General.

Attached are copies of my identification and proof of address. Do not hesitate to contact me if additional information is needed.

Sincerely

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 2025-12-01 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: MN

Complaint narrative:
There are multiple items on my credit report that are inaccurate, including negative accounts and inquiries. I attempted to dispute these items with the credit bureau but they were not properly corrected. I am requesting the CFPBs help to review and ensure all inaccurate information is removed or fixed.

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 2025-12-01 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: NM

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

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 2025-12-01 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:
Date Amount Action XX/XX/XXXX {$21000.00} This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile.15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

You have no permissible purpose under the law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18
U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This agency violates 15 USC 1692g. This is an official dispute of this account. I demand that the above account be deleted from my consumer report. 
XX/XX/XXXX {$5800.00} Disputed and requested removal. more than 30days and haven't received any response. 
XX/XX/XXXX {$1800.00} Disputed and requested removal. more than 30days and haven't received any response. 
XX/XX/XXXX {$5000.00} Disputed and requested removal. more than XXXX and haven't received any response. 
XX/XX/XXXX {$3000.00} Disputed and requested removal. more than 30days and haven't received any response. 
XX/XX/XXXX {$1600.00} Disputed and requested removal. more than 30days and haven't received any response. 
XX/XX/XXXX {$1600.00} Disputed and requested removal. more than 30days and haven't received any response. 
XX/XX/XXXX {$1700.00} Disputed and requested removal. more than 30days and haven't received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am filing this complaint against JPMCB CARD for reporting false and unverified late payments on my account ( Account XX/XX/XXXXXXXX ). Despite my written dispute, the furnisher has failed to provide any valid documentation, billing statements, notices, or proof supporting the alleged late payment ( XXXX ). This is a direct violation of FCRA XXXX ( a ), which requires furnishers to report accurate and fully verifiable information. 

JPMCB CARD continues to furnish inaccurate derogatory data to the credit reporting agencies, causing damage to my credit profile and financial standing. Their failure to investigate, verify, or correct this information demonstrates non-compliance with federal law and negligent reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2025-12-01 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: NJ

Complaint narrative:
I am filing this complaint because EQUIFAX continues to report accounts on my credit file that were previously removed and should never have been reinserted. I am beyond frustrated at this point. I have already filed FTC Identity Theft Reports and previous CFPB complaints, yet Equifax continues to ignore my disputes and keeps reporting the same inaccurate and unverifiable information as if federal law does not apply to them. The following accounts were removed in prior disputes and later reinserted without notice, certification, or any proof of accuracy : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Reinserting accounts without proper notice and certification is a violation of the Fair Credit Reporting Act and Equifax has failed to comply. I was never notified within the legally required timeframe and I was never given proof that these accounts were verified using proper procedures. Equifax is required to conduct a reasonable reinvestigation within 30 days and provide written results explaining how the information was verified. That never happened. They simply reinserted the accounts without transparency or accountability. This has gone on for far too long. Equifax has repeatedly refused to conduct a real investigation and has ignored my documentation and disputes. Instead of complying with the law, they continue damaging my credit and treating my file as if accuracy does not matter. This is reckless, negligent, and abusive conduct. I am mentally and emotionally exhausted from having to chase the same errors over and over again. This is not a minor inconvenience. My financial life is being impacted and I am being forced to relive the XXXX every time I check my report and see the same accounts wrongfully reinstated. It is unacceptable that after filing FTC reports and CFPB complaints, this issue still has not been resolved. I am demanding the CFPB step in and force Equifax to take action. I want immediate deletion of all reinserted accounts, written explanation of how these accounts were verified, and proof of certification as required by law. If Equifax can not produce documentation, then these accounts must be permanently deleted. I am asking the CFPB to hold Equifax accountable and make them comply with federal law. I am done being ignored. I am done being patient. I want enforcement, deletion, and accountability now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: SC

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX balance {$10000.00} Date XXXX Last Payment : XX/XX/XXXX Payment History Lates XXXX  days -Reported in XXXX bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$8900.00} Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Payment History Late XXXX  Days -Reported in XXXX bureau XXXX XXXX XXXX XXXX XXXX XXXX  balance {$0.00} Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Payment History Late XXXX  Days -Reported in XXXX bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$0.00} ate Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Payment HistoryLate XXXX  Days -Reported in XXXX bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$0.00} Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Payment HistoryLate XXXX  Days -Reported in XXXX bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$0.00} Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Payment HistoryLate XXXX  Days -Reported in XXXX bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$0.00} Date XXXX Last Payment : XX/XX/XXXX Payment History Late XXXX  Days -Reported in XXXX bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am disputing the accuracy of a SYNCB/Amazon account being reported on my XXXX  cr

edit report. The account is marked as Paid. Closed, but I believe that the information being reported is incomplete or unverifiable, and it is negatively impacting my credit profile. I have attempted to verify this information through XXXX, but I have not received documentation from SYNCB/Amazon supporting the account details, including payment history, closure date, and reporting status. Because the reporting may be inaccurate or not fully verified, I am requesting that SYNCB/Amazon provide complete documentation. If the company can not fully verify the accuracy of the account information, I request that it be removed from my credit 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 explanation