vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am filing this complaint because PayPal failed to follow its own stated review process, relied on incorrect account association, and refused to provide a meaningful appeal.

I operate two PayPal accounts : First : XXXX Second : XXXX I am not requesting restoration of the first account. However, the second account is independent, involved normal business activity, fulfilled customer orders, and all requested documents were submitted.

PayPal explicitly stated by email that my documents would be reviewed within 35 business days. This review never occurred. No specialist contacted me, and no written explanation was provided.

Instead, PayPal permanently limited my second account solely due to association with the first account, without conducting a separate manual review. PayPal representatives later stated by phone that the appeal failed and that no email response would be sent.

PayPal relied on vague claims of risk without identifying any specific violation or evidence related to the second account. I believe PayPal relied on automated systems, failed to honor its stated process, and denied me a meaningful appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: NY

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
. NOTICE OF DISPUTE UNDER 15 U.S.C. 1681i Dear Sir/Madam : Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am formally disputing multiple inaccurate, incomplete, unverifiable, and unlawfully reported items on my TransUnion credit report dated XX/XX/XXXX. 
This letter serves as formal notice that TransUnion has failed to maintain reasonable procedures to assure maximum possible accuracy as required by 15 U.S.C. 1681e ( b ), and has willfully or negligently violated the FCRA by reporting inaccurate information that has caused severe financial harm including denial of credit, higher interest rates exceeding 800 % XXXX, and damage to my creditworthiness LEGAL FRAMEWORK & YOUR STATUTORY DUTIES A. TransUnion 's Mandatory Duties Under FCRA 15 U.S.C. 1681e ( b ) - Duty of Accuracy : " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' 15 U.S.C. 1681i ( a ) - Duty to Investigate : Consumer reporting agencies must conduct a reasonable reinvestigation of disputed information within 30 days and delete inaccurate, incomplete, or unverifiable information.

15 U.S.C. 1681s-2 ( b ) - Furnisher Duties : Data furnishers must investigate disputes and report results to CRAs. 
B. TransUnion Data Breach and XXXX XXXX TransUnion has been subject to multiple enforcement actions, data breaches, and settlements for failing to maintain accurate records and protect consumer information. In XXXX, TransUnion settled claims related to credit report inaccuracies and data security failures. Given these documented systemic failures, I have heightened concerns about the accuracy and security of information in my file. 
Additionally, TransUnion 's past practices of including third-party supplemental information from sources like XXXX and XXXX XXXX without proper verification have resulted in additional inaccuracies.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My personal information was used without my permission, and fraudulent accounts were opened in my name. Ive taken all the proper steps filed police reports, contacted the credit bureaus, and notified the creditors yet these false accounts remain on my report. Its deeply frustrating and unfair. Im simply asking for whats right : to have my identity restored and the inaccurate information removed so I can move forward with my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: ND

Complaint narrative:
I am reporting inaccurate credit bureau furnishing involving XXXX separate and unrelated accounts : a XXXX XXXX credit account and a XXXX loan account. These accounts are serviced independently and should be evaluated separately. 

The XXXX XXXX credit account has been paid as agreed ; however, it has failed to report accurate and current payment activity to the credit bureaus since XX/XX/year>. Despite multiple attempts to obtain clarification from the account servicer, the issue has not been resolved. 

Separately, the XXXX loan account was paid in full and, according to my records, reflects no missed payments. Nevertheless, the account is reporting a delinquency that does not correspond with my payment history. I contacted the loan servicer by phone and email to address this discrepancy, but no substantive correction or explanation was provided. 

I submitted formal disputes through Experian and reviewed my XXXX credit reports. Although these disputes were marked as verified or finalized, the inaccurate reporting remains unchanged. I possess documentation demonstrating that both accounts reflect a complete history of timely payments with no delinquencies. 

I am requesting that the respective furnishers correct or remove the inaccurate information and ensure that both accounts are reported accurately, completely, and in compliance with the Fair Credit Reporting Act to Experian, XXXX, and XXXX, so that my XXXX credit reports accurately reflect my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: ND

Complaint narrative:
I am reporting inaccurate credit bureau furnishing involving XXXX separate and unrelated accounts : a XXXX XXXX credit account and a XXXX loan account. These accounts are serviced independently and should be evaluated separately. 

The XXXX XXXX credit account has been paid as agreed ; however, it has failed to report accurate and current payment activity to the credit bureaus since XX/XX/year>. Despite multiple attempts to obtain clarification from the account servicer, the issue has not been resolved. 

Separately, the XXXX loan account was paid in full and, according to my records, reflects no missed payments. Nevertheless, the account is reporting a delinquency that does not correspond with my payment history. I contacted the loan servicer by phone and email to address this discrepancy, but no substantive correction or explanation was provided. 

I submitted formal disputes through Experian and reviewed my XXXX credit reports. Although these disputes were marked as verified or finalized, the inaccurate reporting remains unchanged. I possess documentation demonstrating that both accounts reflect a complete history of timely payments with no delinquencies. 

I am requesting that the respective furnishers correct or remove the inaccurate information and ensure that both accounts are reported accurately, completely, and in compliance with the Fair Credit Reporting Act to XXXX, XXXX, and TransUnion, so that my XXXX credit reports accurately reflect my payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was a XXXX and recently widowed mother of XXXX young children and having trouble making my loan payments. I made several attempts to refinance so as to keep my primary residence of my children and myself w Wells Fargo yet all my attempts were denied. I jumped through all their hoops, faxed all docs via my local bank yet our family of 20 years was sold at auction as I waited in line for free food at a local church. I am permanently XXXX, this was my primary residence yet they foreclosed on the property and my children and I were forced to move. This created a give negative impact on my children and I, rendering me homeless and my children split up living with family. The emotional damage is continuing today all streaming from Wells Fargo 's illegal practices as defined by the XXXX!!!!! MY FAMILY NEEDS JUSTICE!!!

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 2025-12-15 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: LA

Complaint narrative:
I am submitting a complaint regarding inaccurate information on my credit reports from XXXX, Experian, and TransUnion. The collection account reported by XXXX XXXX  with the original creditor XXXXXXXX XXXX XXXX XXXX XXXX  and a balance of {$2600.00} is incorrect and should be investigated and corrected. Additionally, multiple inquiries are listed as unauthorized or outdated, including those from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries appear on various dates in 2025, and I dispute their validity as they either do not align with my records or were made without my authorization.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to ask that the following late payment be taken off my credit report. This is a mistake on the bill. I never missed this payment. I always paid on time because my account is set up for automatic payments. Please always be on time. This letter has all the papers you need.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: IL

Complaint narrative:
I am submitting a complaint regarding inaccurate information on my credit reports from Equifax, Experian, and TransUnion. A collection account listed by XXXX XXXX with the original creditor XXXX XXXX XXXX XXXX XXXX and a reported balance of {$1100.00} is inaccurate and does not match my records. I dispute this debt as it may be a reporting error or otherwise unverifiable, and it is harming my credit report. This inaccurate reporting may violate the Fair Credit Reporting Act ( FCRA ), and I request that the CFPB take action to ensure the matter is properly investigated and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I have wrote letters to early warning services asking what solution I could do to get out of early warning services so I can do business with financial institutions. I am not able to due to being an early warning services. I have been in early warning services and check systems since 2019 at this point it is illegal for me to be in check systems or early warning services after XXXX years. This has really been a struggle for me to resolve this situation and soon I will have to seek legal action against early warning services or check systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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 inquiry is inaccurate as I had no involvement with this entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: MI

Complaint narrative:
delete this negative HARD INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diverse Funding Associates LLC
State: NY

Complaint narrative:
I was contacted by the collection agency name XXXX XXXX XXXX about a loan with XXXX XXXX XXXX in XXXX for the amount of {$5000.00} I told her it's the wrong amount she said if I don't pay it it's going to move to the next step of collection, and my credit will be damaged, I tried to work out several payment options but the amount I can't come up it because it's too much, I made XXXX payments XXXX for XXXX and another for {$500.00} because I was afraid she would take it to the next stage of collection on XX/XX/year>, I checked my credit report and a company nane XXXX I never heard of was listed on my credit report as original creditor a, I never did business with of have any contracts agreement with

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Good day, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request XXXX theseunauthorized inquiries, but they are still on my credit report. I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge or consent. 

Thank you for your prompt attention to this serious 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 2025-12-15 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 unaffiliated with these accounts and demand they be removed within 15 days per USC 1681g.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I have wrote letters to XXXX XXXX XXXX asking what solution I could do to get out of XXXX XXXX XXXX so I can do business with financial institutions. I am not able to due to being an XXXX XXXX XXXX. I have been in XXXX XXXX XXXX and check systems since XXXX  at this point it is illegal for me to be in check systems or XXXX XXXX XXXX after XXXX years. This has really been a struggle for me to resolve this situation and soon I will have to seek legal action against XXXX XXXX XXXX  or check systems.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding the inaccurate, incomplete, and unlawfully verified reporting of multiple federal bankruptcy public record entries appearing on my consumer credit reports. Despite prior disputes and notice, these records continue to be reported in violation of the Fair Credit Reporting Act ( FCRA ). 

The public record entries at issue are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These items are being reported with missing, inconsistent , and misleading information across consumer reporting agencies, including discrepancies in filing dates, reference numbers, court identifiers, verification indicators, and disposition status. Several of these matters were dismissed, closed, or reflect XXXX liability, yet they continue to be reported in a manner that falsely implies an active or unresolved bankruptcy. 

Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain reasonable procedures to assure maximum possible accuracy. Reporting incomplete or misleading public record information does not meet this standard. In addition, 15 U.S.C. 1681i ( a ) requires a lawful and meaningful reinvestigation upon dispute, which has not occurred, as these defective records remain after notice. 
Public record reporting is further governed by 15 U.S.C. 1681k, which imposes heightened duties on consumer reporting agencies to ensure that public record information is complete, accurate, properly updated, and verified directly from the court of record. XXXX on bulk public record databases, third-party vendors, or automated feeds without direct court verification does not satisfy this statutory requirement. Updating remarks or altering status codes does not cure a fundamentally defective public record. 

Additionally, the continued furnishing of these entries despite known inaccuracies violates 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits the furnishing of information that is known, or should be known, to be inaccurate or misleading. 

The continued reporting of these bankruptcy entries has caused ongoing harm to my creditworthiness and financial reputation and serves no permissible purpose in their current form. Supporting documentation reflecting these deficiencies and prior notice has been provided, including correspondence and dispute materials demonstrating unlawful reporting and verification failures

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN ( Last XXXX ) : XXXX Date of Birth XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : FORMAL DISPUTE OF INACCURATE AND INCOMPLETE CREDIT INFORMATION FCRA 611 ( 15 U.S.C. 1681i ) To Whom It May Concern, I am writing to formally dispute several items appearing on my XXXX credit report pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681i.

After reviewing my credit file, I identified multiple accounts that contain inaccurate, incomplete, or unverifiable information. XXXX  is required by law to conduct a reasonable reinvestigation and delete or correct any information that can not be verified as accurate and complete. 

I dispute the following negative accounts : XXXX. * * Radius Global Solutions LLC * * Balance : {$220.00} Opened : XX/XX/XXXX Issues : - Incomplete account history - No verification of my legal responsibility - No payment history provided - Missing documentation supporting this collection 2. XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * Balance : {$2300.00} Original Balance : {$1800.00} Opened : XX/XX/XXXX Issues : - Inaccurate balance increase without explanation - Incomplete itemization of charges - No verification supporting the higher balance - Missing contract or agreement XXXX. * * XXXX XXXX XXXX * * Balance : {$680.00} Opened : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX Issues : - Incomplete account information - No proof of legal responsibility - No verified date of first delinquency - Missing payment history These accounts do not meet the Fair Credit Reporting Acts requirement of maximum possible accuracy under 15 U.S.C. 1681e ( b ). If XXXX can not verify these accounts with complete and accurate documentation from the furnishers, they must be deleted from my credit report. 

Please complete your investigation within the time allowed by law and provide written confirmation of the results. If any account is verified, please include the method of verification used. 

Thank you for your prompt attention to this matter. 

Sincerely, 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