vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX, and XXXX personally filing this complaintthere is no third party involved. XXXX trying to buy a home, but incorrect and unauthorized information on my credit report is blocking my progress. 
Under 15 U.S. Code 1681b, I never gave written consent, so reporting this is a rights violation and considered fraudulent. 
This has delayed both my home and business plans. Please take urgent steps to fix this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
XXXX, XXXX XXXX. complaint description for the Consumer Financial Protection Bureau : Complaint Description Against PayPal PayPal has brutally violated the consumer 's diplomatic power and inherent jurisdiction. Their actions constitute direct retaliation via deliberate account lockdown, facilitating criminal account breaches leading to a police report, and engaging in outrageous prejudice. They brazenly attacked the consumer 's privacy by discussing the XXXX XXXX XXXX, committed outright financial theft and control, and inflicted systemic abuse. This is being reported to the FTC, Attorney General, and police. PayPal 's reign of misconduct ends now.

This delivers the impact you demand. It is direct, powerful, and leaves no room for ambiguity. Use this to strike hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
Despite my prior written notice and formal dispute, you have failed to remove or properly update the inaccurate, outdated, and injurious information being reported on the credit file in question. Your continued reporting of these accounts after notice constitutes a willful violations of the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, 611 ( a ) - ( d ), and a breach of your fiduciary obligations as Trustee to the XXXX XXXX XXXX XXXX. 
As XXXX, XXXX, and XXXX, I have lawfully accepted and acknowledged your agency 's role as Trustee in relation to the administration of my credit report and estate accounts. Under the maxims of equity, and pursuant to my rights under trust law and subrogation, I am empowered to enforce corrective actions to protect the financial and equitable interests of the trust. 
You are hereby reminded of your fiduciary duties, which include the obligation to : Act in good faith ; Report only accurate, fair, and verifiable information ; Refrain from knowingly publishing false or misleading information ; Remedy and DELETE any account or data that is unverifiable, obsolete, or materially inaccurate. 
You have had sufficient time under the FCRA to complete a full and proper reinvestigation. Yet, the accounts remain reported as charged-off, and continue to show active payment history after the date of first charge-off. This is a false representation of payment activity that restarts the statute of limitations and violates FCRA 607 ( b ) & 611, as well as trust obligations to act in the Beneficiary 's interest.

Additionally, under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), you are required to provide the name, position, and business address of the individual or entity with whom you verified the disputed account ( s ). No such disclosure has been made.

Furthermore, Equifax continues to report unauthorized inquiries that are not attached to any open accounts, without proper validation. I am demanding the following inquiries to be removed and deleted from my credit report. These inquiries were not authorized and my credit report was acquired without my knowledge. I have also enclosed a copy of an FTC report.

You are hereby placed on constructive notice that continued failure to correct, delete, or remedy these errors constitutes a breach of fiduciary duty. Should these issues not be remedied within the lawful time frame, I will take all appropriate actions to enforce equity, which may include pursuing legal and equitable remedies available under trust law, common law, and statutory provisions. SEE ENCLOSED DOCUMENTS AND EXHIBITS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. XXXX disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: KY

Complaint narrative:
To whom it may concern, I hereby formally dispute any unsubstantiated information on my credit report, in compliance with the FCRA and Metro 2 standards. It is imperative that allegations are supported by factual evidence, aligning with federal and state regulations.

Please ensure accuracy in your reporting, as mandated by the Metro 2 standard. I kindly request tangible evidence confirming the account 's existence and its permissible use. If not provided, I request removal from the report and authorize the mailing of physical documentation of actions taken and my updated 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 non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing to formally dispute certain information that appears on my credit report. I have reviewed my credit report and found discrepancies related to the late payment statuses of the following accounts. After carefully reviewing my records and payment history, I believe the reported late payments are inaccurate, and I respectfully request that these entries be investigated and corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$13.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$15000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XX/XX/XXXX -- {$2300.00} XXXX XXXX  XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00XXXX XXXX # XXXX XX/XX/XXXX XXXX {$24000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$460.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$93.00} XXXX  # XXXX XX/XX/XXXX -- {$460.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: CA

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. 


These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued XXXX for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX  was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
TransUnion faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes.

Please be advised that failure to comply with these requests may compel me to seek legal remedies, including filing complaints with the CFPB and pursuing litigation for damages resulting from your non-compliance. 
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

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 2025-06-12 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: IL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: FL

Complaint narrative:
Im requesting escalation of my CFPB complaint against Experian, submitted on XX/XX/year>. Experian marked the dispute as In Progress on XX/XX/year>, and has now exceeded the allowed 15-day response window without any resolution.

The complaint pertains to identity theft, and I have submitted a full FTC Identity Theft Report, along with all required supporting documentation.

Experian has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA 611 ) to investigate and respond within the required timeline, and the disputed item ( s ) still remain on my report.

I request that the CFPB escalate this complaint and require Experian to : 1. Permanently delete all fraudulent or inaccurate data 2. Confirm deletion and resolution in writing

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 2025-06-12 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: NV

Complaint narrative:
I am filing this complaint due to inconsistent and inaccurate reporting related to a XXXX account opened in XX/XX/XXXX. 

Experian is reporting that the account had multiple late payments : 30 days late in XX/XX/XXXX, 60 days late in XX/XX/XXXX, and 90 days late in XX/XX/XXXX through XX/XX/XXXX. However, TransUnion shows the account as closed on XX/XX/XXXX with a last activity date of XX/XX/XXXX and does not report any late payments. Equifax has no payment history at all for this account. 

These inconsistencies call into question the accuracy and validity of Experians data, especially since a 90-day late status was repeatedly applied month after month which is not how credit reporting is supposed to work.

I have disputed this information with all three credit bureaus and am requesting that the CFPB ensure that a full and proper investigation is conducted and that any unverifiable, incomplete, or inaccurate information is permanently removed from my credit reports.

This reporting is affecting my credit profile and mortgage eligibility, and it must 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 non-monetary relief
Consumer complaint received 2025-06-12 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: NV

Complaint narrative:
I am filing this complaint due to inconsistent and inaccurate reporting related to a XXXX account opened in XX/XX/XXXX. 

Experian is reporting that the account had multiple late payments : 30 days late in XX/XX/XXXX, 60 days late in XX/XX/XXXX, and 90 days late in XX/XX/XXXX through XX/XX/XXXX. However, TransUnion shows the account as closed on XX/XX/XXXX with a last activity date of XX/XX/XXXX and does not report any late payments. Equifax has no payment history at all for this account. 

These inconsistencies call into question the accuracy and validity of Experians data, especially since a 90-day late status was repeatedly applied month after month which is not how credit reporting is supposed to work.

I have disputed this information with all three credit bureaus and am requesting that the CFPB ensure that a full and proper investigation is conducted and that any unverifiable, incomplete, or inaccurate information is permanently removed from my credit reports.

This reporting is affecting my credit profile and mortgage eligibility, and it must 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 2025-06-12 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX  : XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, EQUIFAX XXXX XXXXXXXX : XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX : XX/XX/XXXX, EQUIFAX XXXX : XX/XX/XXXX, EQUIFAX XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX, EQUIFAX XXXX XXXX XX/XX/XXXX, XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX, XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-12 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: CA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2025-06-12 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$2400.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$310.00} XXXX XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$230.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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 request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XX/XX/XXXX -- {$4100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$710.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$360.00} XXXX XXXX XX/XX/XXXX -- {$360.00} UNKNOWN XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX CAP XXXX NA XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2025-06-12 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: WY

Complaint narrative:
I have disputed the following account several times due to the fact it is reporting 30 days late 1 time 60 days late 1 time and 90 days late 38 times which is inaccurate and inconsistent information on my credit reports.acount name is XXXX XXXX  account number # XXXX a balance of {$1400.00} delete this account from transunion XXXX  and XXXX immediately because it's hurting my credit with 90 days late 38 times which is impossible to have 38 90 days late payments and only 1 30 days late and 1 60 days late.

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 2025-06-12 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: WY

Complaint narrative:
I have disputed the following account several times due to the fact it is reporting 30 days late 1 time 60 days late 1 time and 90 days late 38 times which is inaccurate and inconsistent information on my credit reports.acount name is opensky cbnk account number # XXXX a balance of {$1400.00} delete this account from XXXX XXXX  and Experian immediately because it's hurting my credit with 90 days late 38 times which is impossible to have 38 90 days late payments and only 1 30 days late and 1 60 days late.

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 2025-06-12 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: WY

Complaint narrative:
I have disputed the following account several times due to the fact it is reporting 30 days late 1 time 60 days late 1 time and 90 days late 38 times which is inaccurate and inconsistent information on my credit reports.acount name is opensky cbnk account number # XXXX a balance of {$1400.00} delete this account from XXXX Equifax and XXXX  immediately because it's hurting my credit with 90 days late 38 times which is impossible to have 38 90 days late payments and only 1 30 days late and 1 60 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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:
There are no public records on my report, and I am pleading with you to remove these incorrect details as soon as possible. The situation is causing me significant stress, and I will not tolerate it.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary XXXX. Please review the documents Ive provided and take immediate action to resolve the issue.

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