vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of : Disputed Account ( XXXX ) : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Address Removal Demand FCRA 1681e ( b ) You are reporting address ( es ) on my file that are inaccurate, outdated, or connected to accounts I did not authorize. Pursuant to FCRA 1681e ( b ), you are required to maintain reasonable procedures to assure maximum possible accuracy of the information you report. Any unverifiable address must be immediately deleted from my credit file. 
Addresses to Remove : 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 I have provided supporting documentation verifying my current address. Any conflicting address not tied to a verified, authorized account must be deleted. 
Unauthorized Inquiry Deletion Demand FCRA 604 You are reporting one or more hard inquiries on my credit file that were made without my knowledge, consent, or permissible purpose. Under FCRA 604 ( a ), a consumer reporting agency may only furnish a report under specific, legally authorized circumstances, including written instruction or credit application. I did not authorize these inquiries and demand their immediate removal. 
Inquiries to Remove : 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: IL

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The process of addressing these errors has been both XXXX XXXX XXXX XXXX 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
This account is fraudulent and unauthorized. Please remove it from my credit report immediately. 
XXXX  XXXX Please correct and update the late payments on my credit report. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion has ignored me far too many times, and Im done being polite. Ive disputed this same issue over and over, and it's still showing. Im beyond fed up and mentally drained from dealing with this nonsense. This isnt just negligence anymorethis is outright recklessness.

TransUnion has shown zero respect for my rights, zero regard for accuracy, and zero accountability. Despite sending evidence and filing multiple disputes, you keep reporting the same false information, while XXXX  managed to get it right. So whats your excuse? This isnt a system glitchits willful noncompliance, and its causing real damage to my life. 
A late payment is being falsely reported on my credit report by TransUnion, even though I have never been late on this account. XXXX  correctly shows no delinquency, which proves the late mark is inaccurate. This false reporting violates the Fair Credit Reporting Act ( 15 USC 1681e ( b ) ) because credit bureaus are required to ensure maximum possible accuracy. It also violates the Fair Credit Billing Act ( 15 USC 1666b ( a ) ) since all my payments were made on time. This error is seriously affecting my credit standing and causing me emotional distress. Im asking for a reinvestigation and for the late payment to be permanently deleted. Continued failure to fix this would be considered willful and negligent noncompliance under 15 USC 1681n and 1681o. 
Under 15 USC 1681e ( b ), youre legally required to maintain the maximum possible accuracy. You failed. Under 15 USC 1681i, you're supposed to investigate and correct inaccurate data. You failed again. Youve ignored every dispute, every document, every warninghow many chances do you need? 
Let me be clear : this is a direct violation of federal law. You have no permissible purpose under 15 USC 1681b ( f ) to keep reporting false and damaging information. And because you keep doing it knowingly, youre fully liable under 1681n and 1681o. 
This is the last time Im asking nicely. Fix it nowor Ill escalate this with every possible authority, from the CFPB to the courts. You will be held accountable for every day of stress and financial harm youve caused. Enough is enough.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian XXXX XXXX XXXX XXXX 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. 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 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 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 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MS

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
This is a copy and paste because I am not typing this out again. They denied my refund over the phone, I requested the call transcript to be sent to me but It hasn't been and I don't want to wait long enough for this to end up no longer being valid. XXXX as of XX/XX/XXXX has not sent me the call. To summarize, the call basically said " We are not going to refund you because it is not our responsibility after it is delivered '' It was delivered early and I did everything I could even left work early to retrieve it, read below for the full explanation, as soon as paypal sends me the phone call I'll add that too but I doubt they will. 

PayPal denied refund despite non-receipt of item and lack of proof of delivery to recipient I ordered a product from XXXX for {$100.00}, which was delivered through a XXXX using photo confirmation only. The item arrived a day early ( on XX/XX/XXXX instead of XX/XX/XXXX ) while I was at work. I left work early and returned home within XXXX minutes, but the package was already gone, likely stolen. Despite repeated contact with XXXX, they denied responsibility for the missing item. I then filed a dispute with PayPal, explaining that the item was never received. PayPal denied my claim, citing a photo of the package on a porch as proof of delivery. That photo does not prove I received the item, only that it was left unattended. I did not sign for it nor did I have the opportunity to do so. No one was home. I live in XXXX, OH, a high-crime area, and package theft is common. PayPal closed the case based on inadequate evidence and ignored the actual issue : I never received what I paid for. XXXX does not offer package insurance, and I had no control over the carriers delivery method. The package disappeared before I could retrieve it, and both XXXX and PayPal have refused to help. This wouldn't be such an issue if I had had ample time to prepare for an early delivery. PayPal is failing in their obligation to protect buyers from financial loss in cases of non-receipt, and they are holding my funds despite no proof of fulfillment. XXXX requesting the CFPB to intervene and compel PayPal to take responsibility. Attached are : The denied refund emails from PayPal and XXXX ( XXXX was awfully condescending in their response, irrelevant but notable. ) Proof of purchase Delivery date and product information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I am filing this complaint under my rights granted by federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and/or the Fair Debt Collection Practices Act ( FDCPA ), in response to inaccurate, incomplete, or improperly verified information that is negatively impacting my financial record. 

I submitted a written dispute/request to the company regarding the issue but did not receive a proper response. The information in question continues to appear or be acted upon without providing any verification or documentation, and the company has failed to meet its legal obligation to investigate or correct the matter as required. 

Despite my efforts to resolve this directly, I have either : Not received a timely or substantive response, Been ignored altogether, XXXX received a generic reply with no actual documentation or verification. 

I am requesting that the Consumer Financial Protection Bureau assist in ensuring that my complaint is properly investigated and resolved in accordance with applicable laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I formally requested validation of the alleged debts referenced as XXXX account opened at XXXX on XX/XX/year> account number XXXXXX/XX/XXXXDespite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND 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 2025-07-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, I contacted Macys credit card customer service regarding my outstanding balance of {$7100.00}. The representative I spoke to told me that if I made an initial payment of around {$300.00} that day, and paid an additional {$6000.00} soon after, the remaining balance ( around {$860.00} ) would be waived. 



I paid a total of approximately {$6100.00} in good faith based on this agreement. However, I am now being told that the remaining {$860.00} is still owed, and the company is not honoring what their representative promised. 



I request that Macys review the phone call recording from XX/XX/XXXX and honor the original agreement to waive the remaining balance. 



I acted in good faith, and this miscommunication or reversal of agreement is unacceptable. Please assist in resolving this issue fairly.

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 monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX I got a message from cash app saying my account was deleted. I tried to log on but couldnt. I then got an email receipt for XXXX  purchase of XXXX. I explained to the agent that this was not my purchase. They started an investigation and said it would take at least 10 days to investigate before my money would be returned if they determined it was theft/fraud. They responded on XX/XX/XXXX saying they determined I gave them access to my account. My paycheck was just deposited and I have XXXX children and my anniversary is this week, why would I give someone my entire check to buy XXXX? Why would I lock myself out of my account?. I spoke to someone else and they went through the same thing and others are too. They said cash app is refusing to give these funds back to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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