vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

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 2025-11-13 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: NY

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

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 2025-11-13 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: MI

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
My information might have been impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.

I been receiving emails, phone calls & text messages for over couple years & noticed some accounts on my credit report that i have not opened. I am a victim of FRAUD and its damaging my financial lifestyle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
My information might have been impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.

I been receiving emails, phone calls & text messages for over couple years & noticed some accounts on my credit report that i have not opened. I am a victim of FRAUD and its damaging my financial lifestyle.

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 2025-11-13 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$10000.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$3300.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are errors in my credit file, specifically false addresses that are being reported under my name. To assist with the correction, I have attached documentation confirming my true and current information. I am insisting that these incorrect addresses be removed right away so my credit report is accurate and not misleading.

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 2025-11-13 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:
It is crucial to highlight that I have no affiliation with the specified creditors and did not approve this inquiry. Please take swift measures to eliminate it from my credit report. Thank you for promptly addressing this matter.

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 2025-11-12 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report shows collection accounts that I believe contain inaccurate information. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I have the right to a credit report that is accurate and reliable. I am requesting that these collection entries be reviewed and verified, and if they can not be confirmed as correct, they should be promptly deleted from my report.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: WA

Complaint narrative:
I am submitting this follow-up to my previous dispute regarding numerous inaccuracies appearing on my credit report. Despite my initial filing and the investigation conducted, several items remain inaccurately reported, unverifiable, or unresolved. These continued inaccuracies misrepresent my true credit standing and have caused ongoing harm to my financial reputation.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am requesting that a comprehensive reinvestigation be conducted to ensure full compliance with federal law. Specifically, I am disputing the continued reporting of the following account : XXXX ( Original Creditor : XXXX  XXXX XXXX ) Account No. : XXXX Balance : {$14000.00} Associated Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: WA

Complaint narrative:
I am submitting this follow-up to my previous dispute regarding numerous inaccuracies appearing on my credit report. Despite my initial filing and the investigation conducted, several items remain inaccurately reported, unverifiable, or unresolved. These continued inaccuracies misrepresent my true credit standing and have caused ongoing harm to my financial reputation.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am requesting that a comprehensive reinvestigation be conducted to ensure full compliance with federal law. Specifically, I am disputing the continued reporting of the following account : XXXX ( Original Creditor : XXXX  XXXX XXXX ) Account No. : XXXX Balance : {$14000.00} Associated Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA 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 2025-11-12 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:
My information might have been impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.

I been receiving emails, phone calls & text messages for over couple years & noticed some accounts on my credit report that i have not opened. I am a victim of FRAUD and its damaging my financial lifestyle.

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 2025-11-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/2025, I used XXXX  to finance a {$250.00} USD XXXX  gift card through XXXX, XXXX official partner for gift card sales. 

XXXX app stated that I was eligible to rent, which directly led me to purchase and redeem the gift card. Immediately after redeeming it, XXXX restricted my account and made me ineligible to book any trips rendering the gift card useless. 

XXXX Executive Support confirmed in writing that they unredeemed the card and directed me to XXXX for a refund. XXXX refused to refund the card, citing policy, and XXXX also refused to intervene, claiming XXXX alone can process refunds. 

As a result, I am being required to make XXXX installment payments for a product that was unusable from the moment of purchase and has since been voided. 

I am requesting that the CFPB require XXXX  to investigate this transaction and coordinate with XXXX and XXXX to ensure I receive a full refund of the payments made to XXXX  to purchase this gift card in the amount of {$62.00} and cancel my order for the gift card so I am no longer in the possession of an unusable gift card and no longer making payment for this order.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NY

Complaint narrative:
This complaint is directly tied to my active CFPB XXXX XXXX. XXXX because Experian has continued altering, re-aging, and reinserting the same bankruptcy record after the initial complaint was filed, and the CFPB portal does not allow uploading the new documentation. 


Experian is continuing a pattern of illegal re-aging, altering, and reinserting a bankruptcy public record that XXXX XXXX XXXX have already deleted as unverifiable. 

Because the CFPB portal no longer allows uploads to my existing complaint file, I am filing this NEW complaint so I can provide the Litigation Hold & Spoliation Notice, new screenshots, and updated evidence showing Experian continues to tamper with dates, chapters, and status of this non-verifiable public record. 

Experian has changed : XXXX XXXX XXXX XXXX  Reinvestigation dates : XX/XX/year>, XX/XX/year>, XX/XX/year> On record until dates Filing/processing timestamps This is textbook unlawful re-aging ( 1681c ( a ) ( 1 ) ), reinsertion without certification ( 1681i ( a ) ( 5 ) ( B ) ), and unreasonable reinvestigation ( 1681i ( a ) ( 1 ) ). 

The XXXX XXXX  XXXX has already stated in writing that they do not verify ANY bankruptcy information for Experian, and XXXX  has deleted the exact same item.

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 2025-11-13 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$10000.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$3300.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-12 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 filing a complaint regarding TransUnions failure to remove a fraudulent XXXX XXXX account from my credit report, despite my written dispute, identity documentation, and an identity theft statement. 

The fraudulent account appears ONLY on TransUnion. Neither XXXX XXXX XXXX  report this account, which strongly indicates that the account is inaccurate and improperly furnished. 

The account is listed by TransUnion as : Creditor : XXXX XXXX Account number ( partial ) : XXXX Status : Paid collection / charge-off Last reported : XX/XX/year> I never opened, authorized, or used this account. I disputed it in writing and included all required identity documents. TransUnion has failed to conduct a reasonable reinvestigation and has left the account on my file without providing any verification. 

The FTC XXXX website was unavailable at the time of my dispute. Under FCRA 605B, a CRA is still required to accept a written identity theft statement when the official FTC tool is unavailable.

TransUnions failure to remove this fraudulent account violates : FCRA 605B ( identity theft blocking requirement ) FCRA 611 ( failure to reinvestigate ) FCRA 607 ( b ) ( reporting information that is not accurate or 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 2025-11-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I hereby request that this financial institution remove any hard inquiries on my credit reports with XXXX, XXXX, and XXXX XXXX respectfully. My reason is not based upon any fraudulent activity of any kind. My reason is purely based upon the laws of duplicity from a civil perspective. In each of these hard-hit inquiries I was also reviewed on credit from a soft hit inquiry. In that capacity, what was the legal reasoning on looking over my credit once again where the information is the same. Accordingly, the hard hit has hindered me from acquiring commercial credit for my business affairs, thus causing financial hardship. The inquiry or inquiries showing up as a hard-hit must in all fairness be deleted.

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 2025-11-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report shows collection accounts that I believe contain inaccurate information. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I have the right to a credit report that is accurate and reliable. I am requesting that these collection entries be reviewed and verified, and if they can not be confirmed as correct, they should be promptly deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
On XXXX, XXXX, I attempted to send {$60.00} using the XXXXXXXX XXXX app to a newly added contact. I entered the {$60.00} amount and then went back XXXX step to add a phone number to the contact. After adding the number and returning to the transaction screen, the app automatically changed the amount to {$1000.00} without notifying me. This appears to be the amount from a previous transaction. 

There was no clear or prominent confirmation screen showing the final amount before the transfer was submitted. Because of this misleading behavior, the transaction was processed for {$1000.00} instead of the intended {$60.00}. I did not manually enter or authorize that amount. 

I believe this is a user-interface flaw or deceptive design issue, as the app changed the amount without my action and without making it visible. This caused a significant financial loss and emotional XXXX. I am submitting this complaint so the company is required to explain, correct, and prevent this from happening to others. 

I consent to having this complaint published after personal information is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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. 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