vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-19 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: MO

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : {$600.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$660.00} - Account # : XXXXXXXX XXXX XXXX XXXX - Balance : {$3900.00} - Account # : XXXXXXXX XXXX XXXX XXXX - Balance : {$4000.00} - Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4400.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under 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 non-monetary relief
Consumer complaint received 2025-04-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Had a charged off account with American Express. I worked with XXXX XXXX XXXX XXXXXXXX who helped me get into a DMP program ( Debt Management Program ) with American Express. Since then, I have made all of my payments on time. I was recently going through my credit report and saw American Express was reporting them late. I disputed it through XXXX. American Express said the information is reporting accurately. I called American Express who said that they are reporting the balance lower but that my account is still past due. American Express said they will continue to report the whole balance of the credit card past due and not that the payments are on time. This is inaccurate and they refuse to help. 


Rep I spoke with at American Express - Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be 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.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Update the late payments from my consumer reports

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 2025-04-18 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PR

Complaint narrative:
I am submitting this complaint concerning unfair and damaging financial actions taken by PayPal and banks. 
Between XXXX and XX/XX/2025, over hundreds of individuals voluntarily and knowingly used PayPal to send money to purchase cryptocurrency or membership packages from a company called XXXX XXXX. Each of these individuals made their own purchase decisions after receiving the cryptocurrency or package access. They received their money back on their platform account in which they then made the purchase on their own. 

Now, after the company ceased operations, some individuals have filed chargebacks or disputes with PayPal and their banks, claiming unauthorized transactions, that the item was not received or as described. As a result, PayPal and certain banks are deducting money from our accounts those of the recipients as if we had committed fraud, even though there is clear evidence like chats, payment records, transaction IDs proving that these payments were made willingly by the senders. 

We are being unfairly penalized and financially harmed due to these reversed payments, even though we did not sell or manage the products. The transactions were peer-to-peer, and our role was solely to receive the funds sent by those now disputing the payments. These chargebacks are making our PayPal balance negative in which we have to pay. There are people on XXXX, XXXX and chats promoting this fraudulent act to make false claims to their bank to receive the money back in which is affecting us and PayPal. 

We respectfully request an investigation and any appropriate intervention to protect us from this abuse of the chargeback and refund systems. 


I am available to provide supporting documents, testimonies, and further explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
My account been hacked and fraudulent activity was going on. I received a settlement from block inc and never got to use it because my account was taken from cash app support. They said my account was closed and I have to make another account to verify my old acc and I did it and they said that will not work soo I waited for like a year or 2 for something to happen. And I just found out today they cash app just got sued and I have an opportunity to sue cash app as well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive mailed in and provided all of my background information, including police report, my address, id, passport, social security number, everything, I even called TransUnion, equifax, Experian and they all told me that I had 2 social security numbers reporting and I mailed in my social and they are still not taking anything off of my report and have active fraud alert on my account from over 10 years ago with alerts and they are still letting putting stuff on my on my credit thats not even in my social security number and they know and see this. Im starting to think its someone that works in the credit agency helping someone take ppl social and letting them put it in my name bc their is no way that this is happening and no one will help me and it has been years. I sent in everything thats not mine and they still arent helping. Im so frustrated bc this has been ruining my life since Ive been XXXX  years old I cant even get a secured credit card in my name bc I have 2 socials reporting that they wont take off. And I keep telling them someone is using my id and I dont know what to do

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 2025-04-19 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: GA

Complaint narrative:
On XX/XX/year>2025, I sent a letter to Experian requesting validation of the debts they are reporting on my credit. I previously disputed these debts and they wrote me telling me that the companies stated that these debts are valid. 
I wrote them letting them know that according to FCRA Section 609 ( 15 U.S.C. 1681g ), consumers have a right to request and receive all information in their credit file at the time of request including sources of information.

They had 30-45 days to respond to my counter-dispute and it is now XX/XX/year>2025 and they never responded to my request. 
According to FCRA, if a collection agency does not respond within 45 days to a dispute, the disputed item ( s ) in question must be DELETED, not closed, but DELETED. 
I have given them more than enough time to respond and they did not. I have attached a copy of the letter along with the mailing receipt which shows they received my letter on XX/XX/scrub> 2025. 
In addition to this, the other credit agencies have deleted these items. One example of unfair reporting is with XXXX XXXX and XXXX XXXX which are both reporting the same debt. This debt is way past the 6 year statute of limitations ; however, XXXX sold the debt to XXXX XXXX ( also known as XXXX ) and XXXX left the debt as a charge off on my credit instead of deleting the debt after selling it to XXXX ( XXXX ). Both companies are in clear violation as this is a double reporting of the same debt which is damaging my credit worthiness and they are both reporting different amounts on my credit. The other disputed items are in the attached letter to reduce redundancy. 
I have a paper trail of all of the letters I have written to Experian and these collectors and I am prepared to hand everything over to my attorney should this matter not be corrected with the deletion of the items in question which is attached to this complaint.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I should have XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX listed as my address on my credit report. Trans union nor has equifax updated this!

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 2025-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am filing this formal complaint against Credit Collection Services ( CCS ) regarding their continued attempts to collect a debt that has already been disputed and resolved in my favor with XXXX 

This alleged debt originated from a XXXX XXXX XXXX policy, which I canceled in or around XX/XX/scrub> 2024 after voluntarily surrendering the vehicle that was covered under the policy. I subsequently disputed the debt directly with XXXX, and the dispute was resolved in my favor, indicating that the account should no longer be considered valid or reportable. 

Despite this resolution, Credit Collection Services has continued to contact me via text messages and phone calls, demanding payment for the alleged debt. This is not only harassing but may also constitute a violation of several consumer protection laws, including : 1. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692c & 1692e : CCSs continued contact after the dispute resolution may be considered harassment and misrepresentation of the debts validity. Under the FDCPA, once a consumer disputes a debt and the collector can not verify it, further communication regarding collection is generally prohibited.

2. Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i & 1681s-2 ( b ) : If a furnisher of information ( such as CCS ) continues to report or attempt to collect on a debt that has been successfully disputed, they may be in violation of their duty to conduct a reasonable investigation and cease reporting inaccurate or unverifiable information.

3. Consumer Protection Violation Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : Continuing to pursue a debt that has been removed or resolved in the consumers favor may also fall under UDAAP violations, as defined under the Dodd-Frank Act. These actions can be considered deceptive and abusive.

I have attached the following supporting documents : A copy of the TransUnion dispute resolution, confirming that the item was resolved in my favor.

Screenshots of the most recent text messages from Credit Collection Services demanding payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: TX

Complaint narrative:
I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : XXXX XXXX XXXX [ XX/XX/XXXX ] XXXX [ XX/XX/XXXX ] XXXX It is my understanding that per XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( XXXX ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to XXXX XXXX XXXX ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section XXXX ( b ) of XXXX XXXX. 
You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( Equifax, Experian & amp ; Transunion or all that apply ) and update the accounts to positive. Thank you.

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 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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