vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: GA

Complaint narrative:
I am disputing the following charged-off accounts on my Experian credit report : Charged Off Accounts XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$830.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$980.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment Accounts XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX 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 2025-11-27 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-27 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: CA

Complaint narrative:
This entry inaccurately portrays my financial habits. Please revise my account so it reflects the correct information.

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 2025-11-27 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: CO

Complaint narrative:
I am submitting this complaint regarding inaccuracies on my credit report. Below, I have outlined the disputed accounts that I believe to be reported incorrectly or inaccurately across the XXXX major credit bureaus. I request that a thorough investigation be conducted, and I respectfully ask that the necessary corrections be made. 

CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: GA

Complaint narrative:
I am disputing the following charged-off accounts on my Equifax credit report : Charged Off Accounts XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$830.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment Accounts XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
this company violate my HIPPA rights multiple times by provide my personal information to different platforms and companies. i had insurance that pay the balance they report the balance twice its hurt my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
On or about XX/XX/year>, I opened a business checking account with Regions Bank for the promotion they offered via letter which is attached hereto. I made more than 10 qualifying purchases and met their deposit requirements. With fulfilling these requirements, I met requirements to earn {$350.00}, but I received a Regions Bank email rejecting outlined in their email. Since I met all of their requirements outlined in their promotional letter, I should receive {$350.00}

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 monetary relief
Consumer complaint received 2025-11-27 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: NJ

Complaint narrative:
I am submitting this dispute regarding the following charged-off accounts and inquiries on my TransUnion credit report. I believe the information XXXX be inaccurate and request an investigation into these items. 

Charged-Off Accounts : No charged-off accounts listed for TransUnion. 

Inquiries : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXXXX/XX/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 2025-11-27 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of the following information regarding my credit report. I believe there are errors related to the listed charged-off accounts. Please review the details of the disputed accounts below : CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00}

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 2025-11-27 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 writing to formally dispute the following accounts that I believe contain inaccuracies or discrepancies, in violation of the Fair Credit Reporting Act ( FCRA ). The details of the accounts in dispute are as follows : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} Inquiries : XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Positive Accounts : None listed. 

Late Payments : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2025-11-27 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
This record is not an accurate reflection of my financial conduct. Please investigate and update my report as needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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:
I am submitting a dispute regarding the following accounts and inquiries on my Equifax credit report. I believe the information may be inaccurate, and I request a full investigation into these items. 

Charged-Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX  Date : XX/XX/XXXX Late Payment : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: MD

Complaint narrative:
I am writing to dispute the accuracy of the following accounts listed on my credit reports. Please review these items for compliance with the Fair Credit Reporting Act ( FCRA ) and address the inaccuracies as outlined below : Charged-Off Accounts : DEPT OF EDUCATION/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} DEPT OF EDUCATION/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} DEPT OF EDUCATIONXXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} DEPT OF EDUCATIONXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX  XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX, Date XXXX XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX  XXXX Account Number : 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 2025-11-27 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: VA

Complaint narrative:
I am writing to dispute the following accounts reported on my TransUnion credit report. These accounts are inaccurate and I request a review and correction as per the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, {$16000.00} XXXXXXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$3300.00} XXXX, XXXX, XX/XX/XXXX, {$14000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$8300.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$25000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$8300.00} Late Payments : 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 2025-11-27 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: FL

Complaint narrative:
I am disputing a charged-off account listed on my Experian credit report. I request that Experian conduct a thorough investigation and make the necessary corrections or removals if the information can not be verified. 

Charged Off : XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$460.00}

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 2025-11-27 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: GA

Complaint narrative:
I am disputing the following accounts and inquiries on my Equifax credit report. I believe they may be inaccurately reported and request a thorough investigation into these items : Charged-Off Accounts : XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$840.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$570.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: RI

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXXXXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-11-27 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: CA

Complaint narrative:
On XX/XX/year>, PayPal permanently limited my account without a clear explanation and placed a XXXX hold on all of my legally earned funds ( {$1600.00} ). This has caused significant financial harm. I rely on these funds for my basic expenses, including rent. 

In addition, there is a separate unauthorized withdrawal of {$550.00} that I did NOT make. I opened a dispute immediately, but PayPal has left this dispute unresolved for over a week, and the funds have not been returned. This unauthorized transaction happened due to PayPals own system error, yet PayPal refuses to correct it promptly. 

I contacted PayPal multiple times requesting : XXXX. An explanation for the permanent limitation, XXXX. The reason for holding my entire balance for XXXX  days, XXXX. The status of the unauthorized withdrawal dispute, XXXX. A timeline for when I can access my money. 

PayPal did not provide this information. Instead, they repeatedly sent automated messages stating that the decision was final and that the funds would be held for XXXX  days. No specific explanation was provided regarding any risk, no evidence was presented, and no justification was offered. 

This is a large amount of money for me ( over {$2200.00} total ). Holding my personal earnings for XXXX  days without a valid reason is unacceptable and has caused severe financial strain. I was unable to pay my rent on time due to PayPal withholding my funds. 

I am requesting the CFPB to review PayPals actions and require the company to : Release my held balance immediately, Resolve and refund the unauthorized {$550.00} transaction, Provide a clear explanation for the account limitation, And compensate me for the financial harm caused by the unjustified delay. 

I am asking for urgent assistance because PayPal is withholding my access to my own money and refuses to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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 writing to dispute the inaccurate information on my Experian credit report. These issues may potentially violate the Fair Credit Reporting Act ( FCRA ), and I am also concerned that there may have been a data breach involving my personal information. I request a thorough investigation and correction of the inaccuracies. 
Disputed Accounts on Experian Report : XXXX. XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX Balance : {$190000.00} Account Status : Open Date Opened : XXXX Violations : FCRA Violations : o The account status is incorrectly reported as open despite being charged off. This violates Section 1681c of the FCRA, which requires accurate account status reporting. 
o The late payment history does not reflect the correct payment record, violating Section 1681e ( b ). 
Data Breach Concern : o The discrepancies suggest potential misuse or mishandling of personal information that may have been compromised, which should be investigated. 
XXXX. XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX Balance : {$2800.00} Account Status : Open Date Opened : XXXX Violations : FCRA Violations : o The account shows an incorrect dispute resolution status. The FCRA requires that all disputes be resolved accurately, and I believe this has not been done in this case, which is a violation of FCRA Section 1681i.

o Late payment reporting is inaccurate, and I request that this be corrected.

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 2025-11-27 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:
I claim no ties to these accounts ; removal within XXXX  days is required in compliance with USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-27 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: OH

Complaint narrative:
The following accounts on my Equifax credit report are being disputed due to inaccuracies or incomplete reporting : Charged Off Accounts [ Account details if applicable ] Inquiries XXXX, XXXX Positive Accounts XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation