vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Multiple attempts to dispute and remove fraudulent, inaccurate, and misleading information from my consumer report have failed to resolve these persistent issues. The continued presence of these unauthorized entries has created substantial personal and financial hardship, generating ongoing stress while damaging my creditworthiness and limiting my access to fair lending opportunities. As a victim of identity theft, I want to clearly state that I never authorized, requested, or consented to the inclusion of this fraudulent information, which does not represent my actual financial history or creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC
State: AL

Complaint narrative:
This account was opened on XX/XX/XXXX. It was closed on XX/XX/XXXX. Negative or derogatory information was still being reported onto my payment history even though the account was closed on XX/XX/XXXX. This negative payment history needs to 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
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
This account was closed on XX/XX/year>. Yet and still new derogatory information is being reported each month into my payment history. This negative information needs to 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
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
I am raising a dispute regarding an inaccurate late payment listed on my credit report. This reporting is in direct conflict with my documented payment history, as I have never missed or delayed a payment for this account. The error is unfairly lowering my credit score and misrepresenting my reliability as a borrower.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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 not responsible for these fraudulent accounts and demand their removal within 15 days in accordance with 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 explanation
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
I am filing this complaint regarding unvalidated late payment entries that have appeared on my credit record. More than 30 days ago, I sent dispute letters requesting proper validation of these alleged late payments, but I have received no response from the reporting parties. Their failure to provide adequate verification of these negative items violates my rights as a consumer and leaves questionable information affecting my creditworthiness.

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 2025-08-11 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: FL

Complaint narrative:
I am filing this complaint regarding unvalidated late payment entries that have appeared on my credit record. More than 30 days ago, I sent dispute letters requesting proper validation of these alleged late payments, but I have received no response from the reporting parties. Their failure to provide adequate verification of these negative items violates my rights as a consumer and leaves questionable information affecting my creditworthiness.

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 2025-08-11 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: IL

Complaint narrative:
I am disputing these accounts as fraudulent ; they must be removed within 15 days per 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 explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Thaxton Investment Corporation
State: AL

Complaint narrative:
This account was opened on XX/XX/XXXX and closed on XX/XX/XXXX. There is negative, derogatory, or unknown information being reported into my payment history. This is all inaccurate. Removed this negative information, derogatory, or unknown information from my credit report history

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
In XXXX and XX/XX/year>, I attempted to make payments on my XXXX XXXX account. XXXX XXXX XXXX claims that no payment was made in XXXX and that a {$400.00} payment made on XX/XX/XXXX was returned for insufficient funds. They also acknowledge a payment made on XX/XX/XXXX but still reported the account as delinquent. 
I dispute the accuracy of this reporting. Ive asked XXXX XXXX XXXX to provide documentation verifying the return of the XX/XX/XXXX payment and the posting date of the XX/XX/XXXX payment, but they have not provided it. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers must report accurate information and investigate disputes thoroughly. If payments were made and not properly credited, the delinquency may be inaccurately reported.

This negative tradeline has significantly impacted my credit score and has made it difficult for me to qualify for financing and other credit-related opportunities. I am requesting that the CFPB ensure XXXX XXXX XXXX provides full documentation and conducts a proper reinvestigation. If they can not verify the accuracy of the tradeline, it should be corrected or removed.

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 2025-08-11 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: TX

Complaint narrative:
I am formally disputing the late payment entry reported on my credit file, which is inaccurate and does not reflect my true payment history. I have consistently fulfilled my payment obligations on time, and there is no valid basis for reporting this account as late. This reporting error is damaging my credit profile and misrepresenting my financial reliability.

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 2025-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit file contains an account that I have never opened, authorized, or agreed to. I have no association with the reporting creditor, and the information being reported is false and harmful to my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am filing this complaint regarding the sudden and unjust limitation of my PayPal XXXX Account. My account had a clean history : XXXX disputes, XXXX chargebacks, XXXX refund claims. We operate a standard online clothing store, fully compliant with all applicable laws and PayPals Acceptable Use Policy.

The reason provided for the limitation was : " Based on the information we have today, there was activity in this account that we can not support. '' This is vague, baseless, and not backed by any evidence. There has been no suspicious or prohibited activity on this account. We have not sent funds to any restricted jurisdictions, nor have we processed transactions outside the scope of our legitimate business.

Before launching, we carefully reviewed PayPals policies multiple times to ensure full compliance. Every transaction conducted on this account was directly related to legitimate product sales through our online store. There is simply no valid reason to block our account.

There were no warnings, no prior requests for clarification, and no opportunity to address any supposed concerns only an immediate and indefinite account freeze. As a result, our operating funds are now being withheld without justification, causing serious harm to our business operations.

I am demanding : Immediate investigation and removal of the limitation ; A formal explanation with clear evidence of any alleged violation ; Restoration of full access to our funds so we can continue business operations.

PayPals actions in this case represent arbitrary and opaque decision-making, which may constitute unfair business practices under federal oversight. If not addressed promptly, I reserve the right to escalate this to the Office of the Comptroller of the Currency ( OCC ), the Federal Trade Commission ( FTC ), and relevant state Attorneys General, as PayPal operates as a money services business ( MSB ) regulated at both the federal and state levels.

I request that this matter be reviewed urgently. We are running a legitimate business and have done nothing to warrant such a restriction. Being cut off from essential operating capital without any valid justification is both damaging and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A fraudulent account has been added to my credit file without my knowledge or consent. I have no connection to the reporting creditor and have never entered into any agreement with them. This is a clear case of identity theft or misinformation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: GA

Complaint narrative:
I am disputing the accuracy of a reported late payment that has been posted to my credit report. This information is incorrect, as I have never been late on this account. The continued reporting of this false late payment is unjustly harming my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A fraudulent account is listed under my name on my credit report. I did not authorize or open this account, nor do I have any relationship with the reporting creditor. This entry is inaccurate and negatively impacts my creditworthiness.

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 2025-08-11 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: AZ

Complaint narrative:
I demand that these illegitimate accounts be removed within 15 days per USC 1681g, as they are not mine.

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 2025-08-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-08-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is an unauthorized account appearing on my credit report that I do not recognize and did not approve. I have never dealt with the reporting creditor, and the information is fraudulent and harmful to my standing.

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 2025-08-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This delinquency seems out of place given my record. Could you investigate?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: GA

Complaint narrative:
I am submitting this complaint regarding an erroneous late payment entry on my credit report. This record is false, as my payments have always been made in full and on time. Such misinformation significantly impacts my credit standing and creates an unfair portrayal of my payment history.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have sent a formal request for XXXX  XXXX XXXX  to remove any and all inquiries from my account file " XXXX XXXX XXXX " as it is creating a hardship in my ability to be accountable for my actions and demonstrate being responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
These unauthorized accounts are not mine and must be eliminated within 15 days, per USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: NC

Complaint narrative:
These fake accounts are not mine and need to be taken off within 15 days following USC 1681g requirements.

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 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These are not my accounts ; they are fraudulently listed and must be corrected within 15 days according to 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 2025-08-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is a dispute of an inaccurately reported late credit card payment that resulted from Bank of Americas refusal to recognize my rewards redemption as a valid on-time payment. This error has damaged my credit score during an active mortgage refinance process, causing significant financial harm. 

In XX/XX/XXXX, my credit card account ending in XXXX was reported as having a late payment to the credit bureaus. This late payment is inaccurate and should be removed. 

On XX/XX/XXXX, I made my payment of {$14.00} by applying credit card rewards from the same account. This was within the due date period. Bank of America later confirmed they received the payment but posted it late because they do not recognize rewards redemption as a valid payment method. This policy was not disclosed to me and appears to be an unfair practice.

The bank did not charge a late fee, acknowledging the small amount, but nevertheless reported the payment as late. On XX/XX/XXXX, I contacted Bank of America at XXXX XXXX and spent approximately two hours on the phone requesting escalation. My request was never escalated, and I was told the issue was not about the timing of the payment but the type of payment. This inaccurate reporting has negatively impacted my credit score and caused significant financial harm while I am in the process of refinancing my mortgages.

I request that Bank of America remove the inaccurate late payment from all credit bureau reports and provide written confirmation once the correction is made to my fax number provided at the next field.

P.S. to avoid misunderstandings about my last name that i had legally changed some months ago, please find attached the certified court order for my last name change as well as a notarized signature affidavit

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