vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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: CT

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 identity 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 completeandaccurate.

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 2025-10-24 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:
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 2025-10-24 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:
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 non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On XX/XX/year>, all of my XXXX American Express XXXX XXXX + XXXX American Express Charge Card + XXXX Authorized credit cards were cancelled abruptly. I contacted the number on the back of my AmEx card, and also via online chat to try figuring out what happened. And all I got from them was " due to indicia of misuse '' and no further details. 

As a customers for more than 10 years with AmEx, I don't believe I misuse the cards in any way that could lead to this massive cancellation of all my cards. My request to AmEx is just to get an answer what exactly I did wrong instead of putting this accusation " due to indicia of misuse '' on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I attempted to redeem a prepaid card as part of the Equifax settlement. The website to claim the cards hardly works, but when I finally managed to get my card " activated '', it doesn't allow for any transactions of any amounts ( my balance says approximately {$22.00} but won't get approved for any amount ). I am also unable to add it to my wallet, which is the instruction given on the prepaid card site.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: VA

Complaint narrative:
I am sending to formally dispute inaccurate accounts currently appearing on my credit report. Upon reviewing my file, I noticed several entries that do not accurately reflect my financial history or payment performance. As someone who takes financial responsibility very seriously, discovering these inaccuracies has been both surprising and stressful. I have always made every effort to maintain my accounts in good standing, and it is important that my credit report truthfully reflects this record. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to ensure that only accurate and verifiable information is reported under my name, and I am exercising that right through this formal dispute. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$52000.00} Date Opened : XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$61000.00} Date Opened : XX/XX/2008

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: NY

Complaint narrative:
Late payments are showing on my credit report for this account that are not accurate or properly verified. I disputed the late payment history with the credit bureaus, but they continue to report it as valid without providing documentation from the creditor that proves the dates or details of those late payments. This violates the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) and 623 ( a ) ( 1 ) ( A ) because the information must be accurate and verifiable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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:
Late payments are showing on my credit report for this account that are not accurate or properly verified. I disputed the late payment history with the credit bureaus, but they continue to report it as valid without providing documentation from the creditor that proves the dates or details of those late payments. This violates the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) and 623 ( a ) ( 1 ) ( A ) because the information must be accurate and verifiable

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 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/2025, I paid {$2200.00} through PayPal using the Friends and Family option, funded directly from my XXXX checking account, to an individual I hired for a marketing campaign. 

We both signed a written contract that outlined the scope of work, deliverables, and payment terms for the campaign. The contract stated that if either party failed to uphold their obligations, the responsible party would owe the other party a refund. I fulfilled my end of the agreement immediately by sending full payment, while the individual never provided any of the promised services, and promptly blocked me and I have not been able to get in contact them since, despite trying. 

The contract covered specific marketing services including lead generation, booked appointments/ clientelle, and also promised satisfaction with the terms of service. After receiving the funds, the individual stopped communicating entirely, ignored all follow-up messages, and failed to deliver any of the agreed-upon work. 

Before payment, he presented himself as a professional service provider with legitimate experience and a formal business structure. After payment, he disappeared, making no effort to communicate or refund the money, in direct violation of our signed agreement. 

I contacted PayPal, but they refused to assist because the transaction was sent as Friends and Family, even though this was clearly a business transaction under false pretenses. I also contacted XXXX, who stated that because the transaction was processed through PayPal, they could not reverse the charge. 

I believe this was an intentional scam the individual misrepresented himself to fraudulently obtain funds through PayPals Friends and Family option, fully aware that it would bypass buyer protections. I have strong supporting documentation, including : The signed contract ( showing the refund clause ) PayPal payment confirmation Screenshots of communications showing the agreement and subsequent ghosting I trusted this individual because we had a contractual agreement, and was immediately " ghosted '' post payment I am requesting the CFPBs assistance in recovering my funds or holding PayPal and/or XXXX accountable for failing to protect consumers from fraud and misuse of the Friends and Family option. This scam exploited a loophole in PayPals system, leaving me without recourse despite clear evidence of a contractual breach and deceptive conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX XX/XX/year> Affirm Inc . 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Debt Validation Account Number : XXXX To Whom It May Concern, I am writing in response to a recent communication from your office regarding an alleged debt you claim I owe. Please be advised that this is a formal request for debt validation, as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following documentation : 1. The total amount of the alleged debt.

2. The name and address of the original creditor.

3. A copy of the original signed agreement or documentation showing that I agreed to this debt.

4. A complete payment history and a breakdown of how the balance was calculated, including any interest or fees.

5. Proof that Affirm Inc. is authorized to collect debts in the state of Maryland. 

Until this debt is validated, I request that all collection activities, including any credit reporting, be ceased. If you continue to pursue collection without providing proper validation, it will be considered a violation of the FDCPA, and I will report this to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Maryland Attorney General. 

Please respond to this request in writing within 30 days of receipt. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-24 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: GA

Complaint narrative:
Dear XXXX XXXX XXXX XXXX Department, This letter serves as a formal dispute and validation request pursuant to the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i & 623 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) regarding the account referenced above, which you have reported and/or are attempting to collect.

I am in receipt of your correspondence dated October 13, 2025, claiming to validate this account. However, the information you provided does not meet the requirements of a full and proper debt validation or reasonable reinvestigation under federal law.

Your response fails to include : 1. A copy of the original signed contract or application with XXXX XXXX XXXX XXXX. 


2. A full payment history, showing how the alleged balance of {$3800.00} was calculated.

3. Documentation proving chain of assignment, including all legal transfer documents from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


4. Proof of authority to collect or report this account on behalf of any creditor.

5. Verification from the original creditor that the account and balance reported are accurate and that I authorized such reporting.

Without this documentation, your claim remains unsubstantiated, and continued furnishing of this account to Experian, Equifax, or TransUnion constitutes a violation of FCRA 623 ( a ) ( 1 ) ( A ) knowingly reporting information that is incomplete or inaccurate.

Additionally, since you have confirmed that collection activity has ceased, any further credit reporting constitutes continued collection activity under FDCPA 807 ( 2 ) ( A ) and 809 ( b ), which is strictly prohibited without proper validation.

Therefore, I demand the following actions be taken immediately : 1. Cease all reporting of this account to the credit bureaus until full validation is provided.

2. Delete all inaccurate, unverifiable, or unvalidated information from my credit reports with Experian, Equifax, and TransUnion.

3. Provide written confirmation of deletion or verified documentation supporting the accuracy of the account within 30 days of receipt of this letter.

Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Georgia Attorney Generals Office for noncompliance with FCRA and FDCPA.

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 2025-10-24 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) 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. CXX/XX/XXXXe XXXX ( XXXX ) and 15 U.S. CXX/XX/XXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXX/XX/XXXXe XXXX, 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 2025-10-24 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) 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. CXX/XX/XXXXe XXXX ( XXXX ) and 15 U.S. CXX/XX/XXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXX/XX/XXXXe XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XXXX XXXX at XXXX I had a transfer from my credit builder go into my checking account account for {$820.00}. Five minute 's later ( XXXX ) I had an unauthorized transaction to cash app XXXX XXXX taking {$10.00}. Also at XXXX XXXX XXXX added XXXX to my account. XXXX another payment to XXXX XXXX XXXX app taking {$140.00} out of my account unauthorized. XXXX XXXX XXXX XXXX {$0.00} to my account. XXXX another cash app payment unauthorized to XXXX XXXX for {$280.00}. At XXXX XXXX XXXX XXXX {$0.00} to my account. XXXX XXXX XXXX XXXX XXXX unauthorized payment {$160.00} XXXX XXXX XXXX XXXX XXXX unauthorized payment {$160.00}. At XXXX XXXX XXXX  XXXX XXXX XXXX payment {$190.00}. At XXXX XXXX XXXX  {$130.00} unauthorized payment. 
Also at XXXX XXXX XXXX. Deposited {$280.00}. I dont know this person either. XXXX XXXX has to be tied in with this person. As she withdrew it also.i filed a dispute with my bank on all of this and it was denied. I dont know XXXX XXXX XXXX XXXX XXXX These are all fraudulent charges. A person doesnt do multiple transactions to same person in less then an hour. Also deposits and then withdrawals. Im not one to send money at this time of the morning. I woke up to realize I left my account unlocked. Which is not like me at all. Then XXXX XXXX cleaned my accounts out leaving behind only {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SSN : XXXX Date of Birth : XX/XX/XXXX Subject : Request for Method of Investigation Used ( MOV ) Dear Equifax I have recently received your response indicating that late payments for account listed below were " verified ' as accurate. However, pursuant to my rights under the Fair Credit Reporting Act, Section 611 ( 15 U.S.C. 1681i ), I am requesting the Method of Verification ( MOV ) you used to determine the accuracy of these late payments since this account has always been paid on time. 
XXXX  XXXX Account number XXXX Late Payments on XXXX and XX/XX/XXXX Please provide the following : The name, address and telephone number of the entity or person you contacted during the verification process. 

A detailed description of the procedure your office used in conducting this investigation. 

The documents, records or information that were relied upon to verify the accuracy of the disputed late payments for this account. 

As stated in FCRA 611 ( a ) ( 7 ), I have the legal right to this information. I request that you provide it to me within the statutory timeframe of 15 days. 

If you are unable to provide this information, these late payments must be deleted from my credit file immediately as unverified and inaccurate. 

Please send your response to the address listed above. 

Thank you for your immediate attention to this matter Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Enclosures : Copy of Driver License ) Copy of recent bank statement Copy of social security card

Company response to consumer: Closed with non-monetary relief