vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed inaccurate accounts on XX/XX/year> The bureau failed to respond within 30 days You sent a follow-up Failure to Respond letter on XX/XX/year> It has now been over 15 more days with NO communication Im requesting deletion of ALL unverified collection accounts Tracking information and Certified Tracking has been attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am a consumer currently working to fix my credit. I am disputing the following accounts and inquiries that appear on my TransUnion credit report : 1. Charged Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
The vehicle was repossessed and the debt was charged off.

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

Complaint narrative:
PayPal permanently limited my account and froze {$1900.00} of my business funds without providing a clear explanation. I operate a small handmade goods business, and most of the corresponding orders have already been delivered. I can verify approximately {$1900.00} in completed shipments with valid tracking numbers and customer confirmations. There are no disputes, no chargebacks, and no fraudulent activity on my account. 

This freeze has created a serious and immediate financial hardship. I have a court date regarding rent on the XXXX, and PayPals refusal to review the completed transactions is preventing me from meeting basic living obligations. 

I contacted PayPal multiple times. I spoke with customer service and a supervisor, and both stated there was nothing they could do and refused to escalate the case to Risk, Compliance, or Executive Support. PayPal policy and precedent allow for early release of funds tied to completed, verified deliveries, but they declined to manually review any documentation.

I am requesting that PayPals compliance team : Perform a manual review of my account and completed transactions Release the funds associated with verified, delivered orders Contact me with a resolution PayPals automated process is causing unnecessary harm, despite the fact that the majority of the transactions involved have been fulfilled and confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Spent the last couple days trying to make a {$75.00} payment ( {$25.00} minimum is the required payment ) without giving Capital One access to my checking account. I have been trying to rebuild my credit and while applying I have canceled numerous card applications that said they would require access to my checking account. Capital One did not tell me that NO other form of payment was acceptable, until I tried to pay. It is unacceptable to me that any other entities can withdraw from my checking account AUTOMATICALLY. Now there is {$25.00} added to the due amount late fee. I feel this was a bait and switch and there is going to be XX/XX/XXXX years of negative on my credit report ( because I will NEVER give them my account info ). Thank you for your time, and if any, your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year> I received a call from someone claiming to be a Chime bank XXXX XXXX ) representative stating that my checking account has been compromised for total balance o {$1900.00} and I needed to transfer funds to a secure bitcoin account. In 8 transactions of {$250.00}. Each. I approved one transaction of {$250.00}. and realized that I am being scammed, but it was too late and he now had access to my account and processed all of my funds. I hung up and immediately called Chime to cancel the transaction, but they would not. I called the police and filed a police report. I will never get my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX for some reason my credit score dropped to XXXX for no reason when I didnt apply for nothing and I need to know why did it drop for to XXXX and I contact yall about it before in the past more then XXXX time no luck so please resolve it this time and do a fully investigated on it to see why did my score to XXXX and dont have no credit score now and recalculate my credit score to the right credit score and give me the points back so I have a credit score it should be XXXX or XXXX and fix my score and give me points and my birthday is XXXX and my ssn is XXXX and XXXX and my phone number is XXXX and contact address is XXXX XXXX XXXX XXXX Pennsylvania XXXX and please contact me when yall get my complaint so yall can fully investigate it and give me my missing points for my missing score etc so not fixed after first complaint and more then XXXX complaint still not fixed so please fix it etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
My ex husband is in prison for child XXXX. We are divorced. I recently for a notification from my bank that I was in collections for an unpaid debt and my credit score dropped significantly. The debt was through XXXX XXXX XXXX XXXX. When I called them, they confirmed that I had no debt and that it was my ex husbands. They told me to call the collector IC systems to get it straightened out. I called IC systems and they also confirmed that I have no debt under my name and date of birth, but that my ex husband has debt. They told me to dispute it with the credit agency XXXX. I put in a dispute with XXXX  and got a response that it was denied and that the collectors say that the debt is mine. When I called XXXX, they told me to call IC systems. I called IC systems and spoke with XXXX XXXX XXXX who said that he won't talk to me about the debt because it's not mine even through it's affecting me. I called back XXXX  who told me to put in a dispute with the consumer financial protection bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These accounts are listed under my name without my permission or knowledge, and I have never authorized or overseen them in any way. This is entirely unacceptable, as it introduces false and deceptive details into my financial record. I prioritize my credit profile immensely, and the presence of these unauthorized accounts has generated considerable worry for me. I require immediate clarification on the reasons for their appearance and identification of the party responsible for reporting them.

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

Complaint narrative:
I'm writing to dispute inaccurate late payment notations being reported on my credit file for an account that, to my knowledge and records, has been paid as agreed and never late. 

I want to be very clear here : I am requesting validation of these reported late payments, because as someone who monitors their credit closely and makes every effort to pay on time, this came as a complete surprise. If youre going to report something as serious and damaging as a late payment, it better be backed by clear, verifiable, and accurate documentation not vague data or automated reporting errors. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report information that is XXXX  % accurate, complete, and not misleading. Reporting a consumer as late when they have not been late is defamatory, unfairly lowers credit scores, and can create real harm from higher interest rates to declined applications. I am not going to tolerate that on my record, especially when its 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 non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GREENSKY OPERATIONS, LLC
State: CA

Complaint narrative:
The company Green sky keeps calling my number thinking I'm someone else. The person probably changed numbers as I was switching carriers, and they still keep calling. They call up to XXXX times a day, several times a week. They literally can't take a hint, they most likely have wasted more man hours trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this dispute statement to request a reinvestigation of the following accounts on my Equifax credit report. I believe some of the information may be inaccurate or unverifiable, and I request that Equifax thoroughly review these items and either correct or remove any unverifiable information. 

CHARGED-OFF ACCOUNTS XXXX, XXXX * *, * * XX/XX/XXXX, {$770.00} INQUIRIES XXXX, XX/XX/XXXX LATE PAYMENTS XXXX XXXX, XXXX * * * * XXXX, XXXX * * * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, an unknown individual ( XXXX ) was granted a revolving credit card by XXXX XXXX XXXX XXXX ( XXXX ) in the amount of {$25000.00} and listed me as an " authorized user '' without my knowledge or consent. I became aware of this when applying for an HELOC loan with XXXX for the purpose of getting a new roof on my home, which was subsequently denied. The account first became delinquent XX/XX/XXXX, and was closed by XXXX XX/XX/XXXX, due to nonpayment. I have made numerous calls to the XXXX mortgage dept and kept being told that Equifax has to fix it as they are the one who is reporting it. Equifax says that XXXX has to fix it as they are the ones who granted the loan. I have filed at least XXXX disputes with Equifax and the only change they have made is to change it from an " authorized user '' to " association terminated. '' I am not sure what that even means. I was also told that there is no record that I have ever used this account ( and I do not even know the account # and have never had a card to use it ). Equifax is still reporting this information as accurate and that the item belongs to me!!! On XXXX XXXX, XXXX, the XXXX sent me a letter stating that there is no evidence of any identity theft!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint because the following accounts are reporting on my credit file but none of them belong to me. I never opened these accounts, I have no knowledge of them, and they belong to someone else with the same or similar name. The reporting is inconsistent across bureaus, with different balances, account numbers, and statuses, which is factually incorrect and legally actionable. This is a classic case of mixed-file errors and negligent reporting, exactly what courts have flagged : Cortez v. TransUnion, XXXX XXXX XXXXXXXX, and TransUnion XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXX  Account # CLXXXX ( Experian ), XXXX ( Equifax ), XXXX ( TransUnion ) Balances : Experian {$3500.00}, Equifax {$3200.00}, TransUnion {$3600.00}. Account numbers differ between bureaus. This is NOT MINE, I have no knowledge of this account, and it belongs to someone else with the same or similar name. This reporting is absurd, outrageous, and factually incorrect. I request deletion immediately. 

XXXX XXXX XXXX Account # XXXX ( Equifax ), Account # XXXX ( TransUnion ) Balances : {$12000.00} reported, Equifax shows {$10000.00}. TransUnion shows no account number. This is NOT MINE, I have no knowledge of this account, and it belongs to someone else with the same or similar name. This reporting is factually wrong and must be deleted immediately. 

XXXX / XXXX XXXX Account # XXXX ( Experian ), Account # XXXX ( Equifax ) This is NOT MINE, I have no knowledge of this account, and it belongs to someone else with the same or similar name. Reporting is inconsistent and factually erroneous. Delete immediately. 

XXXX XXXX XXXX Account # XXXX ( Experian ) Balance {$5500.00}. This is NOT MINE, I have no knowledge of this account, and it belongs to someone else with the same or similar name. The data is factually wrong and must be removed. 

XXXX XXXX Account # XXXX ( Experian and TransUnion ) Balance {$240.00}. This is NOT MINE, I have no knowledge of this account, and it belongs to someone else with the same or similar name. Delete 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 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I provided marketing services to a customer who paid for the service voluntarily and received all deliverables, including leads, reports, call summaries, and confirmations. After the work was completed, the customer initiated a dispute claiming product not received, which was false. I submitted full evidence to Chase, including invoices, proof of service delivery, communication records, and confirmation from XXXX that the transaction was legitimate and authorized by the cardholder. 

Despite overwhelming proof, Chase denied the dispute without properly reviewing the documents. The bank did not provide any explanation and failed to consider the evidence showing that the product and service were delivered in full and that the dispute was fraudulent. 

I am requesting that the CFPB review the banks handling of this dispute, as Chase incorrectly resolved the case and failed to follow proper dispute investigation procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries that have appeared on my credit report. I am a victim of identity theft, and I request that you immediately remove all inquiries associated with fraudulent activity. These inquiries were not authorized by me, nor did I initiate any of the actions that resulted in these inquiries. 
The specific inquiries I am referring to are as follows : XXXX XX/XX/year>

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