vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Demand for Immediate Deletion XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( Account Ending XXXX ) Dear Equifax Dispute Department , I am writing to demand the immediate removal of the XXXX XXXX XXXX XXXXXXXX XXXX account ending in XXXX, currently reported on my Equifax credit report dated XX/XX/XXXX. 
This account is being reported inaccurately or incompletely and its continued presence on my credit file constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). I categorically dispute the validity of this account as reported and demand that Equifax : 1. Conduct a thorough investigation with XXXX XXXXXXXX XXXX XXXXXXXX XXXX regarding this account. 
2. Provide me with proof of ownership and validity of this account. Failure to provide proper verification is a direct violation of FCRA.

3. Immediately delete this account from my credit report if verification can not be fully completed. 
Account Information : Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Status : Closed / Pays as Agreed Balance : {$0.00} Date of Last Activity : XX/XX/XXXX Under FCRA 1681i ( a ), Equifax is legally required to remove any information that can not be verified within 30 days of this dispute. Failure to comply will leave me no choice but to escalate this matter, including : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) Considering legal action for willful noncompliance under FCRA, which may include damages for emotional distress and attorney fees I demand written confirmation within 15 days that this account has been removed from my credit file. Enclosed are copies of supporting documentation demonstrating the inaccuracies of this account. 
Your failure to comply will constitute a violation of federal law and will be met with formal legal action. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
First off I'm already skeptical about even making a report because the last time I did this like the company just basically shut down my account and you guys did nothing about it I'm not a XXXX thing and and you didn't even hear about it so what are you going to do for me now if you need to know the bank that we're in question is XXXX every time I have any kind of transaction through the the app or using my card it shuts down my card and it tells me I have to wait 3 days to get my money every single time I do any kind of transaction and there's there's no violation on my account there's nothing that I'm doing illegal and they keep on they'll tell me one thing over the phone and then my card will be locked right after that conversation sorry I believe they're just bullying me and I want to know what the CFpb is really going to do like you didn't do anything before for me now you I don't think you're going to do anything for me now and probably this company knows it too so after calling time and time again and talking to this representative and then saying that they fix my account I'd go use the debit card and it would not let me use it this has happened eight different times in the last like 3 days 3 days they literally I get them on the phone while I'm trying to do the transaction they do one time and then they say that they don't know what's going on with the system and it's me flat but there's nothing I'm doing wrong they refused to fix my account because I got into an argument with them a long time ago where some disrespectful things were said by both sides and then being a company has now like just been targeting my account for any kind of discrepancy anything and making my life a harder so this is hey keep on putting restrictions and blocks on my account they tell me what the phone that the my account is good to go but then I go to the ATM it doesn't work and this has happened five different times today and like four different times yesterday and the nerves of it the lady had called me a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX '' in the phone call

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: FL

Complaint narrative:
Re : Aggressive Dispute of Inaccurate Late Payment Reporting Creditor : XXXX XXXX Account No. XXXX To Whom It May Concern, I am demanding the immediate deletion of an inaccurate late payment being reported on my credit file for the above XXXX XXXX account. 
Background : Account Opened : XX/XX/XXXX Original Balance : {$410.00} Status : Paid in full and closed as of XX/XX/XXXX Disputed Reporting : A single 30-day late payment in XX/XX/XXXX Legal Grounds for Dispute : 1. FCRA 623 ( a ) ( 1 ) ( A ) A furnisher can not report information that is inaccurate or misleading. Reporting a derogatory late mark on a closed, {$0.00} balance account is materially misleading and harmful. 
2. FCRA 607 ( b ) Consumer reports must maintain maximum possible accuracy. This late payment is inaccurate, unverified, and contradicts the Paid, Closed status.

3. FCRA 611 & 1681i Credit reporting agencies are required to reinvestigate disputed items. If XXXX can not provide documented proof of delinquency ( original statements, billing records, payment history ), the negative mark must be deleted immediately. 
4. FCRA 616 & 617 Failure to correct or delete inaccurate information after receiving notice creates liability for actual damages, statutory damages, punitive damages, and attorneys fees. 
Demand for Action : I hereby demand that you : Delete the XX/XX/XXXX late payment from this XXXXXXXX XXXXXXXX account. 
Update the account to reflect Paid as Agreed / Never Late. 
Provide documentation within 30 days showing Affirms verification of the alleged delinquency. If such documentation can not be produced, the derogatory item must be removed without delay. 
Notice of Escalation : If this item is not corrected within the 30-day FCRA-mandated period XXXX I will escalate by filing complaints with the : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Florida Attorney Generals Office And will pursue civil litigation under the Fair Credit Reporting Act This is a final notice. Failure to act will be considered willful noncompliance with federal law. 
Respectfully, 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 2025-09-04 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: TX

Complaint narrative:
I am submitting this complaint regarding an inaccurate collection account currently appearing on my TransUnion credit report. The account is reported by XXXX for the original creditor XXXX XXXX XXXX XXXX XXXX Prime, account number XXXXXXXX XXXX XXXX with a balance of {$5900.00}. 

My concern is that this account is being reported only by TransUnion. I have already filed disputes with XXXX XXXX XXXX, and both of those credit bureaus deleted this account from my reports. If two of the three major credit bureaus determined that this account should not be reported, then it is inconsistent and unfair for TransUnion to continue reporting it. 

Upon reviewing the reporting details, I also noticed discrepancies in the reported dates, which suggest the account may have been re-aged. This is a violation of FCRA 623 ( a ) ( 5 ), which prohibits furnishers from altering or misreporting the Date of First Delinquency to make an account appear more recent than it truly is. Such reporting is misleading and materially impacts the accuracy of my credit file.

In addition, I have never received proper validation of this debt from the collector despite my request. Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ), debt collectors must provide debt validation upon request. Since the collector has failed to provide validation, this debt should not be reported at all. Continuing to report an unvalidated debt is an unfair practice under FDCPA 808 ( 15 U.S.C. 1692f ).

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 2025-09-04 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: CA

Complaint narrative:
This entry was submitted late ; please verify its accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: NC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 non-monetary relief
Consumer complaint received 2025-09-04 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: IL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Account XXXX at XXXX XXXXXXXX XXXX XXXXXXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXX Mail ' with receipt displaying my signature. If not, please delete account XXXX XXXXXXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-04 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:
I am contacting you regarding serious inaccuracies on my credit file that must be corrected under my rights in the Fair Credit Reporting Act ( FCRA ). 
There are addresses being reported that are not connected to me in any way. Specifically, XXXX XXXX XXXX XXXX, PA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX, PA XXXX are not accurate, and their reporting violates the accuracy standards outlined in FCRA XXXX ( b ) and the reinvestigation requirements under FCRA XXXX ( a ). 
My report also contains charge-offs that are not being reported in compliance with federal law. XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is listed with a balance of {$1000.00}, and another account, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is showing {$1000.00}. No IRS Form XXXX has been issued for these accounts, which is required when debt is canceled or XXXX. Their presence without this verification fails to meet the accuracy requirement under FCRA XXXX ( b ) and must be removed. 
Additionally, there are collection accounts that are not mine. A XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is being reported with a balance of {$360.00}, and another tied to XXXX XXXX XXXX, account XXXX, is showing {$110.00}. These collections are inaccurate and unverified, and their continued reporting violates FCRA XXXX XXXX XXXX. XXXX. 
Finally, my file lists several unauthorized XXXX inquiries. XXXX XXXX on XX/XX/XXXX, Capital XXXX again on XX/XX/XXXX, and OneMain on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX not authorized by me. Their reporting is a violation of FCRA XXXX ( a ) XXXX XXXX. XXXX ( a ) and FCRA 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 non-monetary relief
Consumer complaint received 2025-09-04 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: FL

Complaint narrative:
On the early morning of XX/XX/XXXX, unauthorized charges were made on my PayPal debit XXXX for XXXX purchases of {$5.00}, {$32.00}, {$44.00}, and {$8.00}. No further charges occurred because my account balance was insufficient. The total amount charged was {$91.00} Later that same morning, I contacted PayPal and spoke with a representative who assured me that the charges were pending and that I would be refunded. Initially, I saw the funds returned to my PayPal wallet, but the next day the money was gone. 

On XX/XX/XXXX, I filed a dispute through the PayPal app. On XX/XX/XXXX, PayPal sent me an email rejecting my claim without providing a clear explanation or refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-04 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
Bank of America mishandled six Regulation E claims regarding unauthorized debits by XXXX XXXX XXXX. I revoked ACH/debit authorization on XX/XX/year>, yet the lender continued debiting my account. Despite my evidence ( letters of revocation, loan disputes, breach notices ), BoA inconsistently handled my claims : some denied, some pending, one approved, and others with provisional credits reversed mid-investigation. These actions violated Regulation E, caused financial harm, and ignored clear consumer protections. I request reinstatement of credits, consistent resolution across all claims, and written compliance from BoA.

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 monetary relief
Consumer complaint received 2025-09-04 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I discovered unauthorized accounts on my credit report that I did not create or authorize. I had no knowledge of these accounts being opened, and I never received any notification regarding them. In addition, the information reported varies between the credit bureaus, making it inconsistent and inaccurate.

Company response to consumer: Closed with explanation