vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Tried doing a pay and delete and the representative denied

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute certain information on my credit reports maintained by the three major credit bureaus : Equifax, The information provided below pertains to charged-off accounts, inquiries, and late payments that I believe are inaccurate, incomplete, or outdated. I request that these discrepancies be investigated and corrected to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5300.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXXXXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00} Late Payments XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute certain information on my credit reports maintained by the three major credit bureaus : Experian, The information provided below pertains to charged-off accounts, inquiries, and late payments that I believe are inaccurate, incomplete, or outdated. I request that these discrepancies be investigated and corrected to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5300.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00} Late Payments XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Issue : PayPal permanently limited my account on XX/XX/XXXX immediately after I received a legitimate payment of {$8100.00}. The limitation was automatic and occurred without any review or explanation. 

What Happened : I received a standard goods and services payment from a verified buyer. The transaction was legitimate, and I shipped to the buyers verified address. My account had no disputes, no violations, and no prior issues. Immediately when the payment arrived, my account was permanently closed without giving me the opportunity to verify my identity or provide documentation. I was not told what policy I supposedly violated. 

Why This Is a Problem : PayPal is holding {$7900.00} of my funds for 180 days without justification. I complied fully with their policy and used PayPal in good faith. Freezing a large amount of money without explanation or review is unfair, and I am being punished for a payment I lawfully received. XXXX automated system appears to have banned me without a human review. 

The email on the account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: AL

Complaint narrative:
I previously disputed XXXX accounts that were reporting under XXXX XXXX XXXX. After my dispute, those XXXX accounts were removed from my Equifax credit file. However, shortly afterward, the same accounts appeared again under a different XXXX XXXX Teachers XXXX XXXX my Equifax report. This reinserted information was not properly verified, and I was not notified of any reinvestigation results before the accounts were added back. 

On TransUnion, the XXXX XXXX XXXX XXXX accounts are still showing as separate accounts even though they represent the same original creditor. The reported dates, status information, and late payment history are inconsistent and contradictory across the bureaus. For example, TransUnion shows XXXX different open dates ( XX/XX/XXXX and XX/XX/XXXX ), while Equifax lists only XXXX account with the second open date. Equifax also reports on-time payment history followed by a charge-off, while TransUnion shows different late XXXX on each duplicate tradeline. These inconsistencies indicate the information is inaccurate and unverifiable. 

Because the same account is being reported under different names, with varying histories of payment, different dates, and as multiple tradelines, I am requesting permanent deletion of all versions of these accounts across all credit bureaus. The creditor did not provide accurate, consistent, or verifiable information, and the reinsertion on Experian occurred without proper notice as required under the FCRA. 

Here is the link from their website showing they are the same company https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
Dear CFPB Representative, I am submitting this complaint because several accounts on my credit report are being reported inaccurately. These entries are harming my creditworthiness, and I am requesting a full investigation and correction under the FCRA. I have no late payments, no charge-offs that I was ever made aware of, and no knowledge of the collection being reported. The information being furnished is inaccurate, incomplete, and unverifiable. 
XXXX. XXXX XXXX XXXXXXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Late Payment * * This account is reporting late payments that are completely wrong. I never made any late payments on this account, and the reported information does not match my payment history. The furnisher is reporting inaccurate data and can not validate these alleged late payments. I am requesting correction and removal of all false late payment history. 
XXXX. XXXX XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status : Charge Off * * I have no knowledge of this charge-off. I was never notified about any outstanding balance, never received billing, and was not informed of any negative action. This account is being reported inaccurately and without proper verification. The furnisher is reporting false information, and I am requesting deletion of this unverifiable charge-off. 
XXXX. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Status : Collection * I have no knowledge of this collection account. I was never contacted, billed, or given any notice of a debt owed. This appears to be inaccurately reported, and the furnisher has not provided any validation or proof that this debt belongs to me. I am requesting full removal due to lack of verification and improper reporting. 
Requested XXXX I respectfully request that the CFPB investigate these inaccurate entries and require the furnishers to provide proper validation or immediately correct/delete the reporting. These errors are causing significant harm to my credit profile, and I am asking for immediate assistance. 
Thank you for your time and support.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: NM

Complaint narrative:
Tried contacting said company on more than XXXX occasion to resolve this debt. 
I either get put on hold, or call gets dropped. When I finally get through to anyone, they can't seem to find said account or obtain account number to give me. Have asked for proof of debt to be mailed to me but I have yet to receive any documents from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NV

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: DC

Complaint narrative:
I am writing to dispute certain items on my credit report. Below are the details of the accounts that I believe to be inaccurate, and I request a thorough investigation into these matters. 

CHARGED OFF : XXXX XXXX, XX/XX/XXXX, Balance : {$0.00XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX DEBT XXXX, XX/XX/XXXX, Balance : {$1500.00} CAF XXXX, XX/XX/XXXX, Balance : {$16000.00} EXETER FIN XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$580.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$430.00} XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$19000.00} XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$1500.00XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: CT

Complaint narrative:
Upon receiving a copy of my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX XXXX DATE OPENED XX/XX/year> BALANCE {$10.00}, XXXX This account is the result of identity theft and all the information reported in here are all erroneous and fraudulent. Please block this account in my credit reports. 
In accordance with the Fair Credit Reporting Act, I hereby request that a thorough investigation be conducted to rectify and eliminate these items from my credit report. I understand that you are required to reevaluate these items by contacting the respective creditor. Any information that the creditor is unable to verify should be promptly removed. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days from the date of receiving this letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Byrider Franchising, LLC
State: IN

Complaint narrative:
Good afternoon. I'm reaching out regarding a debt I paid off years ago. The credit report is currently showing the debt with XXXX XXXX with an account number of XXXX. The original creditor was JD Byrider. They are also known as CNAC XXXX XXXX. I'm including the page from my credit report to show how the debt is currently reflecting on my credit report. 
This company is in direct violation from the FCRA. This debt should have NEVER been reported as a charge off. I paid off the debt on XXXX XXXX. They garnished my wages, I have included proof of the last payment made. I paid the debt off in full yet I had to go to court LONG AFTER THE DEBT WAS PAID. Last court date was in XXXX and it was paid in full in XXXX, take time off of my job to prove the debt was paid. I asked the judge if there was any kind of compensation I should be entitled to for loss of wages for taking off and truly due to all this company has put me through. I will not stop here until I have justice in this matter. 
Please see the documents attached. Payment in full letter as well as the letter from the IRS showing the release of lien. I have also provided a page from my credit report showing the debt is showing closed but not showing paid and the outstanding balance is incorrect. This debt has been removed from my credit at least 3 times!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX Account number 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 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 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 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 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 2025-12-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: DC

Complaint narrative:
I spoke with XXXX XXXX XXXX regarding trying to make a payment plan for the debt thats owed and also get supporting documentation sent over for the debt that they are saying we owe. The guy from XXXX data international was being kept stating to me when are you going to make a payment. I dont trust you with a payment plan. I asked him for documents because by the act we have the right to request documentation from them. he said no XXXX not sending nothing over I am not giving you nothing. He also said either make a payment or we dont have anything else to talk about. I just want documentation saying that we owe before we pay. I will sue them if no documentation is sent over stating what we owe

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing a complaint because XXXX denied my fraud claims even though I was the victim of a criminal scam and was induced through manipulation and misrepresentation to send money. This is an example of an authorized but fraudulently induced transaction, which is covered under Regulation XXXX. 
A scammer posing as a legitimate business coerced me into completing tasks and repeatedly demanded that I send money to unlock a fake payout. I was manipulated into making the following transactions : {$1000.00} withdrawn and ultimately used to purchase crypto via XXXX {$1900.00} debit-card-funded XXXX XXXX transfer used to buy crypto These were not legitimate purchases. I was under deception and psychological pressure. I never received any goods, services, or payout. XXXX denied my claims without fully investigating the fraud-induced nature of the transactions. 
I have requested XXXX escalate to the XXXX Back XXXX but have not received proper review. I am requesting the CFPB to require XXXX to reevaluate the claims considering the scam, deception, and manipulation involved. 
The first transaction started on XX/XX/year> and the last was on XX/XX/year>. 
The fake company instructed me to take money out of my checking out/debit card to fund XXXX and XXXX app and then buy and send crypto to fund a negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: ID

Complaint narrative:
I had someone purchased my vehicle by making a payment to Hyundai motor finance XXXX. After waiting for a day, I called into Hyundai motor finance XXXX to confirm that the payment had been finalized. I asked if it was finalized, cleared, irreversible, done, deal, all good to go, money was in their hands. I asked XXXX separate people, including a supervisor that I needed to know that everything was done and irreversible before I sent money to the buyer for a different agreed-upon price. XXXX promised me and told me that it was all good and I had nothing to worry about. I have these calls recorded. Their negligent misinformation caused me financial loss of greater than {$1500.00}. They are and have failed to contact me within XXXX business days regarding this. No one has been able to help me and I have spent hours on call and on the phone with them. The buyer scammed me yes however the only reason he got my money was because of Hyundais negligent misinformation. I did my due diligence. They did not do theirs and now I am suffering as well as my family. I have these calls recorded because I was being extra cautious.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: GA

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 XXXX5 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 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. 

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