vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am submitting this complaint to report Experians continued failure to properly reinvestigate and correct inaccurate late payment information appearing on my credit file, despite multiple disputes dated XX/XX/year>, and XX/XX/year>. The account in question - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX continue to reflect erroneous late payment entries that have not been substantiated by any verifiable documentation. Experian has not provided the name, contact information, or method of verification for the individuals or entities who allegedly confirmed the disputed data, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Under the Fair Credit Reporting Act, Experian is legally obligated to perform a reasonable reinvestigation and to delete or correct unverifiable or inaccurate information under 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ). Despite this, Experian has failed to comply and continues to report these false delinquencies, which have negatively affected my credit standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
I received a call from what I thought was a chime employee that knew information about a dispute that was already made .. this person knew the dispute id number and amount of XXXX!!! Apparently my account was already compromised and a scammer exploited that saying my account was hacked and they were making sure that the rest of my money in the account was secure but instead it was taking by them and now another dispute with Chime XXXX about even more fraudulent activities which cleaned out my account and now have no savings or money because of this issue... i have been devastated by being hacked and then ripped off by this person.. i can not afford to lose my savings because I will be losing everything else as a domino effect will occur and will lose more than money .. my living space, my vehicle, and insurance will be a problem along with my phone bill that is a life line anymore these days!!! 
XX/XX/year> tried resolving it with chime and they denied me my money back... Which is XXXX that was scammed out of my account was all the money I had and was stolen... 
This was the number they had called from XXXX and used XXXX accounts to send my money to!!! Which the XXXX accounts is in the attached..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
IDENTITY-THEFT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SSN ( Last XXXX ) : XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : FORMAL IDENTITY-THEFT DISPUTE REQUEST FOR BLOCKING, REMOVAL, CEASE & DESIST XXXX Under FCRA 605B ( 15 U.S.C. 1681c-2 ), FCRA 602, 603, 604, 609, 611, 615, FACTA, and UCC To Whom It May Concern : I am submitting this formal dispute and identity-theft notification regarding fraudulent inquiries and accounts appearing on my consumer reports with your agency. These items were not authorized by me and resulted from identity theft.

Attached : identity theft affidavit, ID, address proof, and copies of the fraudulent entries.

1. Fraudulent XXXX  inquiries : ( List all inquiries exactly as in your report. ) XXXX. Fraudulent Overdraft/Collection Account : Reported For : Overdrafts Reported Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Charge-Off Amount : {$1200.00} Closure Date : XX/XX/XXXX This account is not mine and must be removed under FCRA XXXX. 
LEGAL RIGHTS INVOKED - FCRA 605B : You must block identity-theft information within 4 business days.

- FCRA 604 : No permissible purpose for unauthorized inquiries.

- FCRA 609, 611 : You must validate or delete reported information.

- FACTA : Identity-theft protections apply.

- UCC 1-308 : All rights reserved.

CEASE AND DESIST You are ordered to cease unauthorized sharing or access of my consumer file per 15 U.S.C.

1681b ( f ).

REQUIRED ACTIONS - Remove/block all fraudulent inquiries.

- Remove/block fraudulent overdraft entry.

- Provide reinvestigation results within 30 days.

- Send updated corrected report.

ENCLOSURES - Identity Theft Report - Government ID - Proof of Address - ChexSystems Disclosure I certify under penalty of perjury that I am a victim of identity theft. 
Sincerely, XXXX XXXX XXXX XXXX Without Prejudice

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NY

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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:
I am a victim of identity theft. My credit reports with XXXX  and TransUnion contain multiple fraudulent entries that I did not authorize, including hard inquiries and potentially other accounts. The hard inquiries include : XXXX XXXX XX/XX/2025 XXXX XX/XX/2025 XXXX XX/XX/2025 I did not apply for credit with these companies, nor did I give anyone authorization to use my personal information. These items are the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 
I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BMO BANK NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Dear XXXX XXXX XXXX I am disputing the accuracy and completeness of a charge-off being reported by XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXith a reported balance of {$13000.00}. The account shows a high balance of {$23000.00} over multiple years, irregular updates, and inconsistent reporting of terms and payments. Despite disputes, HARRIS T & S has not provided any documentation verifying how the charge-off balance was calculated or whether the charge-off was processed in accordance with legal requirements.

HARRIS T & S has not provided : A full itemized breakdown showing how the current balance was derived The original signed installment agreement A complete payment and delinquency history Notice of default, right to cure, or intent to accelerate Verification that the date of first delinquency ( DOFD ) was correctly reported Confirmation that the charge-off followed proper accounting rules Documentation of any reinvestigation per FCRA 1681i Evidence that the furnisher complied with FCRA 1681e ( b ) ( accuracy ) and 1681s-2 ( b ) ( duties after dispute ) There are also conflicting data pointssuch as a monthly payment amount of {$0.00}, shifting high-balance figures, and multiple reporting inconsistencieswhich raise concerns about accuracy and proper furnishing procedures. Continuing to furnish incomplete or unvalidated information after a dispute violates the FCRA.

Because HARRIS T & S has not supported the account with required documentation or corrected the inconsistencies, the current reporting appears inaccurate, incomplete, and potentially misleading.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am submitting this complaint because Resurgent Capital Services/ LVNV Funding LLC is refusing to comply with the Fair Credit Reporting Act ( FCRA ) after I reported identity theft on an account they are attempting to collect. 

I received correspondence from Resurgent dated XX/XX/year> regarding an alleged account associated with XXXXXXXX XXXX XXXX XXXXXXXX. ( Account ending in XXXX, XXXX {$1000.00} ). This account was opened fraudulently under my name. I never authorized it, and I am a victim of identity theft. 

In response, I mailed Resurgent a complete identity theft package, including : My FTC Identity Theft Report A copy of my government-issued identification All supporting documentation verifying my identity and proving the account is fraudulent Despite receiving valid documentation that satisfies the FCRA requirements, the company has refused to block or remove the fraudulent account and instead claimed they are unable to validate the claim without additional documentation. This is not compliant with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing inaccurate and unverified information that is being reported on my credit file. The information in question does not reflect my actual payment history and has not been properly verified by the furnisher. I am requesting a full investigation under the FCRA. 

Please review the dates, reporting details, and actions taken. The information appears incorrect and incomplete, and I have taken steps to resolve it directly, but the issue remains unresolved. I am therefore requesting that the inaccurate and unverified information be deleted 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 non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
Subject : PayPal Holding Legitimate Business Payment to My Service Provider I am filing this complaint because PayPal has placed a long-term hold on a payment I sent for legitimate business services, and they are preventing the recipient from accessing his funds. 

On XXXX XXXX, I sent {$3000.00} from my personal PayPal account to a business PayPal account belonging to XXXX. This payment was completely legitimate. I received a month of business consulting services from him, and I am fully satisfied with the services provided. 

This was our first time working together, and it was my mistake to send the money before he had created a formal invoice. I now understand that this may have caused PayPals system to flag the transaction as unusual. However, the payment was authorized, intentional, and agreed upon by both parties. 

I am not disputing the charge, I am not requesting a refund, and there is no fraud or conflict between me and the recipient. The payment was for genuine services rendered, and the recipient is entitled to the funds. 

PayPal is currently holding his money until XX/XX/XXXX, which is unreasonable and harmful to his business. As the sender, I am formally confirming that the transaction was lawful and should not be treated as suspicious or risky. 

I am requesting that the CFPB review this situation to ensure that PayPal properly evaluates the legitimacy of the payment and releases the funds to the rightful recipient. 

Thank you for your assistance. 

XXXX XXXX XXXX Transaction Date : XX/XX/XXXX Transaction ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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 this complaint regarding the repeated reporting of inaccurate, conflicting, and unverifiable information on my credit reports by Experian, Equifax, and TransUnion. Despite multiple prior disputes and removal requests, my account with XXXX XXXX XXXX continues to be reported on all three credit bureaus with a balance of {$0.00}, yet it remains listed inconsistently, inaccurately, and in a manner that can not be verified. This repeated reporting of an unverifiable account has caused significant harm to my creditworthiness, misrepresents my financial standing, and creates unnecessary confusion, stress, and potential financial consequences. The continued presence of this account demonstrates noncompliance with FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], which guarantees my right to dispute inaccurate information and mandates a timely reinvestigation, and FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ]/ 605B [ 15 U.S.C. 1681c-2 ], which prohibits furnishers from reporting inaccurate or unverifiable information. Despite my repeated efforts to have this account removed, it remains on my reports, indicating that the credit bureaus have failed to meet these federal requirements, thereby continuing to expose my credit profile to errors and misrepresentation. The ongoing reporting of unverifiable information is unacceptable and undermines the integrity of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: IL

Complaint narrative:
I am submitting this complaint regarding the repeated reporting of inaccurate, conflicting, and unverifiable information on my credit reports by Experian, Equifax, and TransUnion. Despite multiple prior disputes and removal requests, my account with XXXX XXXX XXXX continues to be reported on all three credit bureaus with a balance of {$0.00}, yet it remains listed inconsistently, inaccurately, and in a manner that can not be verified. This repeated reporting of an unverifiable account has caused significant harm to my creditworthiness, misrepresents my financial standing, and creates unnecessary confusion, stress, and potential financial consequences. The continued presence of this account demonstrates noncompliance with FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], which guarantees my right to dispute inaccurate information and mandates a timely reinvestigation, and FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ]/ 605B [ 15 U.S.C. 1681c-2 ], which prohibits furnishers from reporting inaccurate or unverifiable information. Despite my repeated efforts to have this account removed, it remains on my reports, indicating that the credit bureaus have failed to meet these federal requirements, thereby continuing to expose my credit profile to errors and misrepresentation. The ongoing reporting of unverifiable information is unacceptable and undermines the integrity of my credit 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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My auto loan with XXXX  XXXX XXXX XXXX XXXX was incorrectly reported as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was mishandled, causing false delinquency, inflated payments, and significant damage to my credit. 

I made every required payment on time. My bank statements show automatic transfers of {$750.00} every single month from XX/XX/year> through XX/XX/year>. 

XXXX XXXX force-placed {$6700.00} of XXXX on XX/XX/year>, without providing proper notices. They later refunded only {$5900.00}, leaving {$750.00} unrefunded and unearned. 

On XX/XX/year>, I updated my insurance policy to include full comprehensive and collision coverage, and I emailed the declarations page to XXXX XXXX the same day. On XX/XX/year>, XXXX XXXX acknowledged receiving the updated insurance in writing. 

Despite receiving valid proof of insurance, XXXX XXXX continued charging XXXX through XX/XX/year>, continued using an inflated payment amount of {$1300.00} instead of my contract payment of {$720.00}, and did not correct my amortization, loan balance, or interest charges. 

XXXX XXXX also reported my account as past due. This delinquency status is incorrect. I paid every month, and the delinquency occurred only because their XXXX-inflated payment amount was applied without proper notice or basis. The past-due marks have harmed my credit and caused my credit card companies to lower my limits. 

I attempted to resolve this directly with XXXX  XXXX by submitting a formal dispute on XX/XX/year>, but they have not corrected the loan reporting, have not refunded the remaining XXXX, and have not removed the inaccurate delinquency. 

I am requesting that the CFPB require XXXX  XXXX XXXX  to : Correct the inaccurate delinquency reporting Remove all XXXX-related negative marks Refund the unearned XXXX  premium Correct the loan balance and amortization Restore my original payment amount Provide copies of the XXXX notices they claim to have mailed Thank you for your assistance.

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