vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Referencing complaint XXXX Based on Venmo response XXXX On XX/XX/year>, you created a Venmo account ( " Account '' ) at which time you agreed to Venmo 's User Agreement. On XX/XX/year>, you received a {$300.00} personal payment ( Payment ) from another Venmo user ( Sender ). On XX/XX/year>, you attempted to return the Payment of {$300.00} to the Sender. However, your attempt was declined by Venmo 's internal security model. While we recognize this can be a frustrating experience, this system helps uphold the safety and integrity of the Venmo community and is intended functionality. The Transferring Money out of Your Venmo Account section of the User Agreement states, " In order to manage risk, we may limit the payment methods available when you make a payment. '' They won't return and emails. There excuse to freeze funds for 180 days is extreme and predatory. These traps are to make interest on peoples money. 

As per their investigation. Funds received was attempted to return to sender. But they refused. The sender even contact them to cancel the transaction. They refused. 

There is no fraud or victim in question. The sender and receive agrees to return the money. They refuse to let us link bank account to extract funds. 

Holding funds for loss prevention is UNFOUNDED. The account is brand new. 1 test transaction was enacted. They set the traps to sieze people 's money. 


I demand the release of my funds to me or the sender immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
This complaint is regarding an inaccurately reported late payment on my credit file. My payment history shows no late payments for this account. The false reporting is negatively affecting my creditworthiness.

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 2025-08-11 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 usually have a solid payment record, so this late entry appears to be an errorplease review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is a false account listed under my name on my credit report. I did not open or authorize this account, and I have no association with the creditor. This inaccurate reporting is negatively impacting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am reaching out to formally dispute the reporting of a bankruptcy that appears on my credit file. I have reviewed my records carefully and have obtained an official letter from the court clearly stating that this bankruptcy should not be reported to any credit bureau. Despite this clear and direct confirmation, the bankruptcy still appears on my credit report, which is both inaccurate and harmful to my credit standing.

What makes this matter even more concerning is the involvement of an unauthorized third party, which raises serious questions about how this information was obtained and why it was reported without my consent or proper verification. This is not just a simple reporting errorit suggests a deeper issue with the accuracy, security, and handling of my personal financial data.

Adding to the confusion, I have noticed that only TransUnion is reporting this bankruptcy, while the other major credit reporting agencies are not. This
inconsistency calls into question the validity of the information and further supports my position that it should not be on my report. Under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws, any information that is inaccurate, unverifiable, or inconsistent must be removed from a consumers credit file promptly.

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 2025-08-11 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-08-11 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-11 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I RECEIVED A NEW FRAUDULENT INQUIRY ON MY TRANSUNION CREDIT REPORT TODAY XXXX WHICH SHOULD BE FROZEN!! THE INQUIRY IS FROM SYNCHRONY BANK ( XXXX XXXX ) WHICH HAS A DATE OF XXXX ALSO ADDING AN ADDRESS TO MY REPORT THAT DOES NOT BELONG TO ME!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Inaccurate and Inconsistent Credit Reporting XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Complaint : I am filing this complaint to report ongoing violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and possible violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ) regarding inaccurate and inconsistent credit reporting by XXXX XXXXXXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX 

Account XXXX XXXX XXXX XXXX ( Acct ending XXXX ) Status inconsistency : XXXX  shows Positive, Experian and XXXX  show Negative. 

Closed Date differs : XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX. 

Payment history conflict : Experian and XXXX  show 30-day late in XX/XX/XXXX/ XX/XX/XXXX, while XXXX  shows XXXX. 

Last Activity and Last Payment Dates differ between bureaus. 
Violations : FCRA 1681e ( b ) Failure to maintain maximum possible accuracy.

FCRA 1681i ( a ) Failure to conduct reasonable reinvestigation and correct/delete inaccurate or unverifiable information.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known or should be known to be inaccurate.

FDCPA 1692e ( 8 ) Communicating false credit information, including failing to report a disputed debt accurately. 

These reporting discrepancies are damaging my creditworthiness and violate federal 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 explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
Student loan servicer is reporting 90 day lates on my credit reports and I have never been late. I have attached a letter from the servicer stating that also. To this date the serviceer has still not corrected the 90 days lates and removed them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in 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 explanation
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
I am disputing an inaccurate late payment that has been reported on my credit file, which is entirely inconsistent with my actual payment history. I have always fulfilled my financial obligations promptly and have never been delinquent on this account. This incorrect entry is unjustly damaging my credit standing and does not reflect my responsible payment behavior.

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 2025-08-11 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-11 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: TX

Complaint narrative:
An erroneous late payment has been added to my credit report, which is entirely inconsistent with my proven history of on-time payments. This error undermines my credit profile and does not reflect my responsible financial management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am a victim of identity theft, and my personal information was used without consent to create accounts that were later assigned to third-party collectors. I have no contractual relationship with these collectors. The credit reporting agency has failed to block these items despite my submission of an FTC Identity Theft Report, proof of identity, proof of address, and detailed statements. This violates the Fair Credit Reporting Act 605B, which requires removal within 4 business days, as well as 611 and 1681e ( b ) regarding maximum possible accuracy. I am seeking immediate enforcement of my rights and deletion of all fraudulent accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have sent a formal request for capital one bank to remove any and all inquiries from my account file " XXXX XXXX XXXX " as it is creating a hardship in my ability to be accountable for my actions and demonstrate being responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: AZ

Complaint narrative:
These unauthorized accounts must be deleted within 15 daysthey are not mine, as outlined by USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC
State: AL

Complaint narrative:
This account was opened on XX/XX/XXXX and closed on XX/XX/XXXX. Negative or derogatory information was still being reported into my payment history even after the account was closed. Remove this negative information from my payment 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 explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number:XXXX  My correct address is : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-08-11 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: AR

Complaint narrative:
In XXXX and XX/XX/year>, I attempted to make payments on my XXXX XXXX account. XXXX XXXX XXXX claims that no payment was made in XXXX and that a {$400.00} payment made on XX/XX/XXXX was returned for insufficient funds. They also acknowledge a payment made on XX/XX/XXXX but still reported the account as delinquent. 
I dispute the accuracy of this reporting. Ive asked XXXX XXXX XXXX to provide documentation verifying the return of the XX/XX/XXXX payment and the posting date of the XX/XX/XXXX payment, but they have not provided it. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers must report accurate information and investigate disputes thoroughly. If payments were made and not properly credited, the delinquency may be inaccurately reported.

This negative tradeline has significantly impacted my credit score and has made it difficult for me to qualify for financing and other credit-related opportunities. I am requesting that the CFPB ensure XXXX XXXX XXXX provides full documentation and conducts a proper reinvestigation. If they can not verify the accuracy of the tradeline, it should be corrected or removed.

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