vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
Subject : 5th Formal Complaint Against Experian Continued FCRA Violations, Mishandling of Disputes, and Delayed Resolutions Dear CFPB Representative, I am submitting my fifth formal complaint against Experian for repeated and ongoing violations of the Fair Credit Reporting Act ( FCRA ), as well as continued failure to resolve critical inaccuracies and provide proper dispute handling as required by law. 
Background : Despite submitting prior complaints and documentation to both Experian and the CFPB, Experian has : * Continued to mishandle personal and identifying information, * Refused to correct basic data errors, * Withheld dispute results, and * Ignored the lawful timeframe for resolving disputes. 
Notably, my first complaintsubmitted in XXXX XXXXwas not resolved until XX/XX/2025, despite the clear XXXX statutory deadline under FCRA. This excessive delay underscores the pattern of negligence and disregard for consumer rights by Experian. 

XXXX. Incorrect Addresses and Scrambled Information Experian removed my verified, correct address without authorization and replaced it with false, scrambled, or partial addresses that are completely inaccurate and unconnected to me.

Violation : * FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : Failure to maintain maximum possible accuracy in consumer files. 

XXXX. Withheld Dispute Results and Repeated ID Requests Despite submitting multiple disputes with full ID verification : * I have not received mailed or online dispute results. 
* Experian continues to ask for duplicate ID submissions, even though these have already been verified through earlier disputes and past CFPB complaints.

Violations : * FCRA 611 ( a ) ( 6 ) : Results must be provided within 30 days.

* FCRA 610 ( a ) : Governs proper handling of ID during reinvestigations. 

XXXX. Refusal to Correct Full Date of Birth Experian has refused to update my full Date of Birth ( MM/DD/YYYY ) and has only added the year, leaving my report incomplete and inaccuratewhich impacts verification processes and contributes to further errors. 
Violation : * FCRA 607 ( b ) again, due to failure to maintain full and accurate identifying data.

4. Pattern of Negligence and Noncompliance This complaint marks my fifth submission to the CFPB concerning Experians noncompliance. Despite multiple attempts to resolve these issues properly, Experian has consistently : * Ignored legally mandated timelines, * Continued to report incorrect and outdated information, * Failed to communicate dispute results or implement corrections, * Delayed resolution ( with one case dragging from XXXX to XXXX ). 
Violations : * FCRA 616 : Willful noncompliance * FCRA 617 : Negligent noncompliance

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 2025-07-22 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: PA

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: RFNA, LP
State: MS

Complaint narrative:
I was wrongful warned about a lawsuit was going to be tooking against .. my payments was never due on the XXXX of each month the contract was XXXX by their employee that did my loan I have told the guy that was during my loan I wasnt goin to be able to pay on XXXX I would like to do it on the XXXX as I was about to make my first payment on XX/XX/XXXX my account was taken down then I got a letter from a debt collector on XX/XX/XXXX ( as I can recall ) I contacted XXXX XXXX located in XXXX XXXX on XXXX XXXX I told the rude lady that answer the phone I was having finical hardship she told me well you wouldve to pay {$430.00} XXXX told her I cant make that amount .. she ask me how much can I pay and I said {$200.00} so I made that {$200.00} payment and she was like you have 90 days to make the other payments so they can work with me so boom I hang up I wasnt notified I should call the debt collector people so XX/XX/XXXX I got hit with a lawsuit this is not fair to me because they didnt even care about me facing finical hardship I was treated unfair I havent ever been in this position before I didnt even know how to respond to lawsuit now Im paying them {$100.00} a month because their employee bleech my contract by not putting the right due date down its not fair that they still trying to charge my card when Im already paying then debt collector told me that i supposed been called them XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I sold a new phone to a buyer ( XXXX XXXX ) using PayPal. XXXX confirmed delivery to their ZIP code, but the buyer later claimed it was lost, then stolen, then " not as described. '' PayPal refunded them {$710.00} and charged me a dispute fee. 

I submitted extensive documentation, but PayPal never showed me the buyers evidence. Despite requesting it multiple times, they refused transparency. My Resolution Center says the case is still open, even after I received a decision saying it was closed in the buyer 's favor. 

I was denied the opportunity to properly respond, and the buyers story changed several times indicating possible fraud and misuse of my information ( including XXXX Theft & Loss coverage under my name ). 

I am financially harmed and PayPals handling has been unfair and opaque.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-22 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: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I asked for the documents that came out of the investigation. After I got the documents, I appealed with new info. They denied the appeal again, and I asked for the documents that came out of the second round of investigation. They sent the same documents from the first round, completely disregarding the info I gave them after the appeal. No documents or contact were made to the vendor. It is almost impossible for me to find who the vendor is, as the purchase was made at a university, with no details from which store the purchase was made at. 

I was not in the city where the purchase was made at the time, and they claimed I funded the account knowing the purchase was made, when it was my mom zelling me money, not myself. From what I could tell, there was no physical card present at the transaction, and yet, they brought up the fact that I had my physical card with me to prove that I made the purchase The charge was {$60.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have no access to my credit via online nor when I call in

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have no access to my credit via online nor when I call in

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section XXXX of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-07-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Fresh Holdings Inc
State: AL

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding a debt account that is inaccurately reported and was collected through unlawful practices in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Issue # XXXX Inaccurate Credit Reporting The original creditor is reporting the account as open, even though the debt has been sold or transferred to a third-party collection agency. This is misleading and inaccurate, as the original creditor no longer owns the debt. Under the FCRA, all data reported to credit bureaus must be accurate and not misleading. An account can not remain marked open once it has been sold it must be closed or updated appropriately. 

This inaccurate status unfairly inflates my debt-to-credit ratio and misrepresents my financial obligations. 

Issue # XXXX Illegal Collection Conduct and Third-Party Disclosure The collection agency associated with this account has violated federal law multiple times : They repeatedly contacted my husband, disclosing the existence and details of the debt, which is a clear violation of the FDCPAs third-party contact rules. 
They threatened legal action during these third-party calls, stating they were planning to sue me which is both misleading and illegal when communicated to someone other than the debtor. 
They have called multiple times a week, even after speaking with my husband, amounting to harassment and excessive third-party communication. 

These actions have caused me emotional distress and represent a serious breach of consumer protections under federal law. 

I am prepared to provide further documentation and phone logs to support this complaint upon request. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: CT

Complaint narrative:
I sent {$2500.00} by Western Union on XX/XX/year>. The app shows the money still in progress. The transaction was completed for XXXX week. The receiver didnt get money as well. The track number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: PA

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 2025-07-22 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: PA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-07-22 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: PA

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 2025-07-22 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: TX

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2025-07-22 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: TX

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief