vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-07-22 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
Subject : XXXX XXXX for XXXX and XXXX XXXX XXXX under FCRA, TILA, FCBA, FDCPA, and XXXX XXXX To Whom It XXXX Concern : This is a formal Reinvestigation Request and Notice of Dispute regarding the information your company is furnishing to the credit reporting agencies under my consumer file. 

Pursuant to the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ( b ) ), and the Fair Credit Billing Act, you are required to conduct a reasonable investigation upon receiving notice of a dispute. I am hereby demanding a reinvestigation of the item ( XXXX ) listed below, and a comprehensive review of your reporting under XXXX XXXX compliance guidelines, including all data fields and condition codes. 

Account Name/Number : AFFIRM INC XXXX Date Opened : XXXX XXXX Nature of Dispute : The Date of Last Activity is inconsistent : Experian reports XX/XX/XXXX Violation of FCRA XXXX ( b ) and XXXX XXXX XXXX XXXX ( inaccurate and misleading reporting of aging ) Dispute Reason : This account shows 88 % on-time payments, but late payment markers appear in other bureaus. 
XXXX XXXX Data Inconsistency : payment history, remarks, and date of last activity differ from the data reported to other bureaus. 
The status must be validated this entry, this should be removed The account is missing from Transunion and Equifax : Suggests selective or incomplete furnishing Violation of FCRA XXXX, DoddFrank Act ( UDAAP provisions ), and equal data furnishing standards The charge-off date is suspiciously aged : Last activity in XXXX vs. XXXX may indicate artificial account extension Possible violation of XXXX and XXXX, which govern aging and accurate charge-off practices This may indicate either : The debt is unverifiable and thus omitted by other CRAs. 
The data furnisher failed to report uniformly, leading to incomplete data transmission in violation of FCRA XXXX ( a ) ( XXXX ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
Chime fraud disputed fine and chime deny I have every transaction history who condone where else my wife account to my account than other fraud account we dont those people every transaction we reported but they not taken seriously file disputed deny XXXX times I need financial crime my account and my wife account taking action seriously Chime and XXXX  XXXX  both involved financial crime

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Chime Financial Inc
State: NY

Complaint narrative:
Well I dispute a transaction of XXXX ; XXXX dollars because of unauthorized transactions I was scam and I let chime know and provided all proof or any proof I had and they denied me and I try to negotiate what they can do for me and they said I was eligible for temporary credit within XXXX business days and I didn't receive it so I now I moved to the higher up like y'all to help me receive my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc

Complaint narrative:
I received a payment from a sender in the United States through PayPal on XXXX ], but the funds have not been credited to my PayPal account in XXXX. The amount sent was [ XXXX $ ], and the sender confirmed the transaction on their end. 

I contacted PayPal multiple times through customer service to understand the issue, but I have not received a clear explanation or resolution. I was either told the payment was " pending '' or that there was a problem with compliance or verification, without any specific guidance.

I requested PayPal to release the funds or at least provide a transparent explanation of what is required to complete the transfer. Despite my efforts, the issue remains unresolved.

I believe this may involve either a delay in international fund transfer, unreasonable holding of funds, or failure in customer service. I am seeking a full release of the payment or an immediate and clear resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-22 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: CA

Complaint narrative:
An address appearing on my credit report is entirely unfamiliar to me. I have no ties to it, and its inclusion is not only inaccurate but potentially damaging.

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 2025-07-22 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: TN

Complaint narrative:
I am formally disputing the inaccurate and inconsistent reporting of the above-referenced account under my credit profile. After reviewing my credit report, I noticed that this charged-off account is showing XXXX different and conflicting statuses, which constitutes inaccurate, misleading, and incomplete reporting in direct violation of the Fair Credit Reporting Act ( XXXX XXXX. XXXX et seq. ). 

Specifically : The account is being reported simultaneously as Charged-Off and Closed/Paid ( and has XXXX different payment balances ). 
This conflicting information confuses the current standing of the account and misrepresents my creditworthiness. 

Federal Violations : FCRA XXXX ( b ) : Credit bureaus must ensure maximum possible accuracy of information. Multiple, conflicting statuses for the same account is a clear failure to meet this standard. 
FCRA XXXX ( a ) : Once a consumer disputes information, the CRA must conduct a reasonable reinvestigation and remove any unverifiable or inaccurate information. 
FDCPA XXXX ( XXXX ) : Debt XXXX or furnishers of information are prohibited from reporting misleading or deceptive data on a consumer report. 

This contradictory information is damaging to my credit profile and is legally required to be corrected or deleted. Since the reporting is inherently inaccurate and unverifiable in its current form, I demand that this account be permanently deleted from my credit report with immediate effect. 

This letter serves as a formal notice under federal law. If this matter is not resolved within XXXX  days, I will escalate the issue to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and/or pursue legal remedies under FCRA and FDCPA statutes. 

Please mail me the results of your investigation, along with an updated copy of 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 non-monetary relief
Consumer complaint received 2025-07-22 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: TN

Complaint narrative:
I am formally disputing the inaccurate and inconsistent reporting of the above-referenced account under my credit profile. After reviewing my credit report, I noticed that this charged-off account is showing XXXX different and conflicting statuses, which constitutes inaccurate, misleading, and incomplete reporting in direct violation of the Fair Credit Reporting Act ( XXXX XXXX. XXXX et seq. ). 

Specifically : The account is being reported simultaneously as Charged-Off and Closed/Paid ( and has XXXX different payment balances ). 
This conflicting information confuses the current standing of the account and misrepresents my creditworthiness. 

Federal Violations : FCRA XXXX ( b ) : Credit bureaus must ensure maximum possible accuracy of information. Multiple, conflicting statuses for the same account is a clear failure to meet this standard. 
FCRA XXXX ( a ) : Once a consumer disputes information, the CRA must conduct a reasonable reinvestigation and remove any unverifiable or inaccurate information. 
FDCPA XXXX ( XXXX ) : Debt XXXX or furnishers of information are prohibited from reporting misleading or deceptive data on a consumer report. 

This contradictory information is damaging to my credit profile and is legally required to be corrected or deleted. Since the reporting is inherently inaccurate and unverifiable in its current form, I demand that this account be permanently deleted from my credit report with immediate effect. 

This letter serves as a formal notice under federal law. If this matter is not resolved within XXXX  days, I will escalate the issue to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and/or pursue legal remedies under FCRA and FDCPA statutes. 

Please mail me the results of your investigation, along with an updated copy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: MO

Complaint narrative:
Debt for {$1400.00} ( possibly a XXXX identity leak/fraud issue ) has already successfully been disputed through XXXX  when attempted to collect by the XXXX XXXX XXXX company XXXX I will attach the report, this debt must have been sold off after first company was informed. I am being sent more collection notices now by Source Receivables Management , LLC. 

Looking up their company information they are not licensed to operate collection business in my state of Missouri, and I do not feel they should be contacting me at all. I am not sure why successfully disputed debt can be sold and have collections re-attempted, but it feels unfair to me as a person to have to keep engaging with these companies and spending resources towards these deceitful practices, especially from a company that seemingly has no legal right to operate in my state at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: TrueAccord Corp.
State: FL

Complaint narrative:
I am writing to formally dispute the alleged debt listed above, which XXXX XXXX XXXX. I deny any responsibility for this debt and demand full validation and verification in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. 
TRUEACCORD C XXXX XXXX XXXX XXXX XXXX Balance {$160.00}

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 2025-07-22 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: SC

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-07-22 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: FL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or XXXX  inquiries as reported. The aforementioned accounts, collections, and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and XXXX  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 non-monetary relief
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-22 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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