vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2025-10-14 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:
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 2025-10-14 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XX/XX/XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
I wish to formally dispute any unverified or inaccurately documented information in my credit report, aligning my actions with the FCRA and the established XXXX XXXX data field reporting standard. The allegation of delinquency and derogatory information can not be accepted without concrete evidence, thus prompting my challenge of their reportability, as per federal and state legal requirements. In adherence to these legal standards, I kindly urge you to ensure the factual and precise reporting of all claims in accordance with the XXXX XXXX reporting standard. Additionally, I request that you furnish verifiable evidence supporting the existence of the account and its legitimate usage. Should such evidence not be provided, I hereby authorize the removal of this account from my credit report and request that you send me physical documentation detailing your actions and the updated credit report. Your prompt attention to this matter is anticipated. 

Listed below are the Collections that are being challenged XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
I am submitting this complaint regarding my recent dispute letter to Experian. I sent a formal identity theft dispute explaining that several items on my credit report were fraudulent and that my personal information had been used without my consent. Despite clearly outlining the issue and citing the Fair Credit Reporting Act, Experian did not properly handle my dispute. They failed to provide a valid Method of Verification or proof showing how the information was confirmed. It appears that Experian relied solely on automated systems instead of conducting a full and independent reinvestigation as required by law. Because the fraudulent information was not removed and I received no clear explanation, I prepared and submitted my XXXX XXXX dispute letter requesting a fair and thorough review.

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 2025-10-14 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:
What happened ( statement of pertinent facts ) : Consumer Name : XX/XX/XXXXName Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of 3 inaccurate accounts from XXXX XXXX XXXX accountXX/XX/XXXX XXXX ( private ) opened on on XX/XX/XXXX Balance {$3100.00} and balance {$2.00} and {$3.00} 2 accounts from XXXX XXXX XXXX accountXX/XX/XXXX( private ) opened on XX/XX/XXXX Balance {$1400.00} and Balance {$2100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard 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 hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a follow-up regarding the complaint I previously filed about inaccurate items that Equifax continues to report despite my repeated disputes and submissions of documentation. Ive done everything a consumer can reasonably do Ive provided proof, followed instructions, and waited for Equifax to handle the matter properly. Yet the same information that should have been deleted is still showing on my credit report, and my confidence in the process has slowly eroded with every delay. 

I know that under the Fair Credit Reporting Act, Equifax is required to conduct reinvestigations that are fair, thorough, and timely, and that unverifiable or inaccurate data must be deleted. But from my perspective, it feels as though the reinvestigation process was either rushed or automated without meaningful review. The consequences for me have been very real limited credit opportunities, emotional distress, and the feeling that my efforts to correct these wrongs are being dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: IN

Complaint narrative:
I am writing to formally dispute the accuracy of a collection account that appears on my credit report. The account is being reported by Avante with a listed balance of {$900.00}.

I have reviewed my records carefully and believe this information is inaccurate and/or unverifiable. I am requesting that your office conduct a thorough investigation of this account under my rights granted by the Fair Credit Reporting Act ( FCRA ), Section 611.

Please verify the following : The complete account details, including original creditor information.

The date of first delinquency and proof of assignment or ownership of the debt.

Any validation or documentation supporting Avantes legal right to collect or report this debt. 

If the furnisher can not verify the accuracy of this information within the required time frame, I request that the account be deleted from my credit file immediately. 

Please send written confirmation of your findings to my address listed above once your investigation is complete. 

Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Complaint Summary : PayPal falsely claimed a payment from the FTC XXXX XXXX settlement was accepted into an account I no longer have access to, despite confirmation from their customer service that the payment was never accepted and the account has been inactive for years. I requested the payment be returned to the sender ( XXXX, the FTC refund administrator ), but PayPal refused and then mischaracterized the issue as an unauthorized transaction instead of mishandling of funds.

PayPals own written response confirms they had full knowledge that the payment was not intended to go to PayPal, that the account is inactive, and that I requested a check from the FTC Administrator. Their refusal to reverse or return the funds constitutes an unfair and deceptive practice under federal and state law.

PayPals position that payouts are final even when tied to abandoned or inaccessible accounts shows they are knowingly holding funds that do not belong to them. I am requesting CFPB investigation into PayPals payout handling practices, retention of unclaimed funds, and misrepresentation of refund reversibility. 

I want PayPal to return my FTC refund ( {$520.00} ) to XXXX or issue a new check directly to me, as well as to be held accountable for deceptive communication and mishandling of consumer funds. 

Supporting documents to attach : The PDF letter you just made ( Final Notice to PayPal ) PayPals CFPB response letter XXXX email stating payment was accepted by PayPal Your call note confirming PayPal said payment was not accepted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXXIncorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-10-14 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: MN

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX 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 2025-10-14 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I co-signed a vehicle for XXXX XXXX XXXX XXXX. They gave me the loan due to the fact that she has had repossessions evictions and has a horrible credit score and does not have a job. On XX/XX/XXXX she changed her number and moved. The car is not insured. She has had a repossessed once affecting my credit score did not make communication until XXXX. Ive been telling her to refinance the vehicle get it out of my credit because she is always paying it late. It is a XXXX XXXX and we financed it through Toyota motor credit who do not provide me information of her.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
I am deeply concerned about the violation of my consumer rights through the dissemination of inaccurate information. I expect fair treatment from those responsible and request detailed explanations regarding the lapses in accuracy and compliance. Negative information, regardless of certification, is unacceptable to me as I prioritize factual and truthful data concerning your company and my credit profile. The credit report I received is astonishingly inaccurate, considering the expected adherence to the FCRA and relevant XXXX XXXX data field formatting standards. I challenge you to create a verified, complete, and true document with evidence for each claim, as stated in the 2020 XXXX. Deviations from these standards jeopardize data integrity, highlighting the seriousness of this issue. To prevent any future financial repercussions, I kindly request the prompt removal of any false accounts from my credit report, as it holds great significance in my life. I insist on factual accuracy, verification, and compliance in all documented data. 

Listed below are the Collections that are being challenged SOURCE RECVB - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: NV

Complaint narrative:
Unauthorized access to my credit report by several companies has caused direct and measurable harm to both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That commitment has not been honored, as the inquiries remain on my report. This lack of action is completely unacceptable. 

The continued presence of these unauthorized and potentially fraudulent entries is highly concerning and strongly indicates possible identity theft. This ongoing issue is causing significant emotional and financial distress.

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 2025-10-14 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: CA

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) due to multiple inaccurate, unauthorized, and fraudulent account listings on my credit report that violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and related consumer protection laws. Despite my previous disputes, these accounts remain inaccurately reported, causing financial harm, damage to my creditworthiness, and emotional distress. I request CFPB intervention to enforce proper investigation, correction, and deletion of these accounts. 

XXXX XXXX XXXX * High Balance : {$1600.00} Date Opened : XX/XX/year> Chargeoff This account has been reported as a charge-off, but I dispute the accuracy of this status. I have no record of delinquency that would justify a charge-off on this account. Reporting this account as a charge-off without proper verification constitutes a violation of FCRA Section 1681i ( a ) ( 1 ), which mandates that the bureau conduct a reasonable reinvestigation to determine the accuracy of any disputed information. The continued presence of this inaccurate charge-off on my report is damaging to my creditworthiness and is misleading to potential creditors. I request that this item be fully verified with complete supporting documentation or permanently removed from my report. 

I hereby demand CFPB oversight to ensure that these accounts are fully reinvestigated, corrected, or permanently deleted in accordance with the FCRA, FDCPA, and applicable state consumer protection laws. I expect the bureaus and the creditors involved to provide documented proof of validity for each account or remove them entirely. This complaint is submitted to CFPB to protect my rights and ensure accurate credit 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