vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: SC

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

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

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

Company 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 2025-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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

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

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

Company 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 2025-12-01 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: VA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and XXXX that you couldn't put on the FTc report ). Please see the attached file.

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 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
PayPal charged the wrong funding source for a transaction despite my XXXX credit card being correctly set as my Preferred Payment Method. I did not change or override my funding source during checkout. However, PayPal charged my XXXXXXXX XXXX checking account ( XXXX ) instead of the XXXX card I had explicitly selected and configured in my settings. XXXX, the merchant, does not choose the funding sourcePayPal doesso this error originated entirely on PayPals side. This caused immediate financial hardship, as I had rent due the next day and did not have the funds available because PayPal debited the wrong account. I provided PayPal with screenshots proving : my XXXX card marked as Preferred, PayPals receipt showing the wrong account was billed, XXXX system confirming PayPal was the only payment processor, and bank/rent documentation showing the financial impact. My dispute and appeal were both closed without proper review and with the generic statement the transaction was processed correctly, despite clear evidence of a billing error directly contradicting their User Agreement, Section 4 ( Payment Methods ), which requires PayPal to use the customers selected funding source unless manually changed by the user. I am requesting that PayPal correct this billing error by re-routing the charge to my XXXX card as originally intended.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: AL

Complaint narrative:
I am disputing the following items on my Experian credit report because they may contain inaccurate or unverifiable information. I request that Experian conduct a thorough investigation to ensure the accuracy of these accounts. 

CHARGED OFF XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XX/XX/XXXX, XXXX Please verify the details of these charged-off accounts, including balances, dates, and reporting accuracy. 

XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please verify the purpose of these inquiries or remove them if they were not authorized.

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 2025-12-01 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: AL

Complaint narrative:
I am reviewing my Equifax credit report and I am disputing the following items because they appear to be inaccurate, incomplete, or unverifiable. I request that Equifax conduct a thorough investigation under the FCRA to ensure the accuracy of all information. 

CHARGED OFF XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX Please verify the details of these charged-off accounts, including balances and reporting accuracy. 

INQUIRIES XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX Please verify the purpose of these inquiries or remove them if they were not authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I asked Santander, to make my funds liquid. And the teller said thats fine, ok. So I was under the impression when I need it will be available. My father recently passed away and it was along time coming so I knew in advance I would need my money liquid when he finally passed to Purchase a house. And now that he has passed Im needing my money. To have a XXXX dollar fee to take my money out when it wasnt my fault is absurd. There have been multiple errors on this account as well. My mother is not supposed to be on this account.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Resurgent Capital Services L.P.
State: NE

Complaint narrative:
I filed an official FTC identity Theft report and disputed these account with the credit bureaus. Despite providing the proper documentation, the furnisher has not removed the fraudulent account or provided any proof that i opened and authorized. This account is the result of identity theft and is being inaccurately reported. which is causing harm to my credit. 

Below is the uploaded Identity Theft Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
I am submitting this formal complaint to demand that the Consumer Financial Protection Bureau ( CFPB ) hold Experian accountable for its flagrant and unlawful violations of the Fair Credit Reporting Act ( FCRA ). Experian 's willful non-compliance and gross negligence have caused me severe financial and emotional harm. The integrity of my financial life is on the line, and Experian 's refusal to adhere to federal law is a direct assault on my rights as a consumer and a victim of identity theft. 

I am a victim of identity theft, a fact that is not in dispute and is officially documented by the Federal Trade Commission ( FTC ) under Report XXXX XXXX. I have provided this official report to Experian, which legally obligates them under 15 U.S.C. 1681c-2 to block all information on my credit report resulting from this crime. This is not a request they can choose to ignore ; it is a federal mandate. Experian has chosen to break the law.

Experian continues to knowingly and illegally report the following fraudulent accounts on my credit file. I did not open these accounts. I did not authorize them. I have not benefited from them in any way : XXXX, Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX Experian 's decision to continue publishing this false information is actively destroying my creditworthiness and causing me immeasurable stress and hardship. This is not a simple clerical error ; it is a conscious and illegal act of defiance against federal law and a complete abdication of their responsibilities as a credit reporting agency. Their actions are perpetuating the crime of identity theft against me and must be stopped.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear Sir/Madam, I am submitting this dispute concerning the inaccuracies and discrepancies found in my credit report. Below is a breakdown of the accounts in dispute, separated by credit bureau : Charged Off Accounts XXXX XXXX  Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$17000.00} XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$1800.00} XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$98.00} XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$120.00} Inquiries XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Late Payments XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-01 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: WV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Navy Federal Credit Union removed {$1400.00} from my checking account without notice using a right of offset to collect on an old credit card account that was closed and charged off more than 6 years ago. This withdrawal created immediate financial hardship and prevented me from paying my mortgage. 

The alleged credit card debt is over 6 years old and is past the statute of limitations under Virginia law, which governs Navy Federal credit card agreements. Although they may attempt internal collection, using a right of offset on a time-barred debt without notice caused significant and avoidable harm.

I am requesting : 1. Immediate reversal and return of the {$1400.00} offset, 2. A hardship hold on my deposit accounts so future funds are not taken, and 3. Written confirmation of their actions on my account. 

This situation has placed me at risk of mortgage delinquency and housing instability. I am requesting the CFPBs assistance in ensuring Navy Federal reverses the offset and stops further withdrawals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: GA

Complaint narrative:
I am submitting this complaint because several charged-off accounts are being reported inaccurately by the credit bureaus. These accounts show different balances, dates, and reporting details across XXXX XXXX and TransUnion. I am requesting that these items be fully investigated and corrected or removed if they can not be verified according to the Fair Credit Reporting Act. I simply want accurate and consistent reporting. 
Charged-Off Accounts Disputed TransUnion is also reporting these same XXXX accounts, with dates formatted differently and balances different from XXXX 

XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$6000.00} XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$21000.00} XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$7800.00} XXXX  Acct : XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$7400.00} XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$21000.00} Again, the reporting is inconsistent compared to 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 2025-12-01 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: NJ

Complaint narrative:
With respect to those it this matter concerns, Upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are negatively impacted. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all negative and critical accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 USC 1666b , a creditor can not legally report a payment as late if they have not ensured that the periodic statement, containing the required information under section 1637 ( b ), was mailed or delivered to the consumer at least 21 days before the due date. Since the creditor failed to meet this obligation, I request that you update the late payments on my account to reflect positive, on-time payments. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX You are aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g.

You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me severe XXXX and 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 2025-12-01 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: NJ

Complaint narrative:
With respect to those it this matter concerns, Upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are negatively impacted. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all negative and critical accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 USC 1666b , a creditor can not legally report a payment as late if they have not ensured that the periodic statement, containing the required information under section 1637 ( b ), was mailed or delivered to the consumer at least 21 days before the due date. Since the creditor failed to meet this obligation, I request that you update the late payments on my account to reflect positive, on-time payments. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX You are aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g.

You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me severe XXXX and 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