vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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: OH

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: TX

Complaint narrative:
I am formally contesting the reporting of entries connected to unauthorized accounts. Please investigate and remove them. Supporting materials are attached.

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 2025-09-22 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: CT

Complaint narrative:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: GA

Complaint narrative:
On or around XX/XX/XXXX and XX/XX/year>, three unauthorized transactions were made from my XXXX  business account to two individuals I do not know. I did not authorize these transfers. These payments were not for goods or services, and I had no business with these people. I later discovered that someone had gained access to my XXXX  account and used my information to process these fraudulent payments. 

I immediately filed disputes with XXXX  and explained in detail that I did not authorize these transactions, provided screenshots, and pointed out that I was not even working during one of the times the money was sent. Despite this, XXXX  denied my disputes, repeatedly claiming the transactions were made from my device. This does not mean I authorized them my phone was on a payment stand at an event and could have been accessed by someone else. 

To make matters worse, one of the recipients of the fraudulent payments even contacted me directly, urging me to close my dispute in order to get my money back. This is proof that fraud occurred, yet XXXX  dismissed my claim. My bank has also flagged this as suspicious activity, froze my account, and filed its own dispute with XXXX, but so far XXXX  continues to refuse to return my money. 

This has caused me serious hardship. I am a small business owner, and the stolen money was what I had set aside to pay my electricity bill. Instead, I am left with nothing and no resolution, despite taking every proper step to report the fraud. I am living in constant stress and XXXX  because XXXX  will not protect me as their customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I've been with PayPal for some time and I have a transaction history with PayPal. When I first tried ordering the PayPal debit card, I was declined and I was told by an agent to build transaction history since it's a new account. Some months have passed by and I'm still having the same issue. The agents at PayPal don't know how to resolve this issue and the agent who helped me was useless and clueless. I need help ordering a PayPal debit card please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : 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 Balance : {$1300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX,, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: NV

Complaint narrative:
American Express Has closed my account, two account to be exacted, and I never gotten the chance to used my rewards, which was very shocking and disappointing.. I have been with the company for over 10 years and this is how I'm getting treating. I just recently gotten back from XXXX since im in the military and a lot has happened, etc... but I just wish American Express can re open my account and have some good faith in a loyal customer .. im not sure what the issue was but everyone should be treated with respect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

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 2025-09-22 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-22 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-22 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: KS

Complaint narrative:
The reported item mischaracterizes my payment history and seems inaccurate. I respectfully ask that it be reviewed and removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: TX

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
15 USC 1681.602 ( A ) 15 USC 1681.602 ( 4 ) To exercise responsibilities with fairness, impartiality, and respect for the consumer right to privacy.

15 USC 1681 604 ( a ) ( 2 ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681. 623 ( a ) ( 1 ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if knows or has reasonable cause to believe that the information is inaccurate.

15 USC 6802 - A financial institution may not directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information 15 USC 6801 - Protection of nonpublic personal information.

15 USC 1692 - A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.

15 USC 1681 ( Q ) Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18.

18 USC 1028 - A means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment.

15 USC 1605 - Determination of finance charge. 
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 non-monetary relief
Consumer complaint received 2025-09-22 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-09-22 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXXXXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXXXXXX XXXX XXXX Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
CFPB Complaint Draft Honey Pot Scam Token ( Base Network ) Complainant : Name : XXXX XXXX XXXX Date : XX/XX/year> XXXX. XXXX Involved Company : Base Network / Connected Wallet Provider ( via Coinbase/Base Wallet XXXX ) XXXX. Description of the Problem On XX/XX/year>, I purchased a digital asset on the Base network labeled Best Wallet Token ( BEST ), contract address XXXX. 

This token turned out to be a honey pot scam : I currently hold XXXX BEST, showing a value of {$10.00}, but I can not swap, sell, bridge, or transfer the tokens. 
Every attempted transaction fails with an on-chain error : XXXX ( ) ( screenshot from XXXX included XXXX. 
The asset is deliberately designed to trap funds, preventing any exit for investors. 
The wallet and transaction history show this was a fraudulent token scheme targeting Base wallet users. 

This scam causes financial loss and undermines consumer confidence in digital asset platforms. The token is intentionally coded to appear tradable while blocking any transfer out. 



XXXX. Evidence Provided XXXX screenshots showing balance ( {$10.00} in BEST ). 
Basescan transaction record showing swap failure error. 
Contract address of the fraudulent token ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Comerica
State: CA

Complaint narrative:
In the beginning of XXXXXXXX XXXX, my account was charged a XXXX cent fee for the service of sending me through the mail copies of my most recent 3 months for my debit account. They advised the receipt would be in 7-10 business days. Today is the XXXX of XXXXXXXX XXXX  and I have not received the statements. I have called numerous times requesting status of statements and repeatedly told they were mailed. I was advised I could download the documents online and attempted to do so. However, I was unable to log in. When addressed through calls to customer service and technical support, I was advised the issue had been corrected to reflect my current personal data and would be able to sign in and retrieve the documents. Unfortunately, I am still unable to do log in and have called and was transferred from customer service to an " escalated '' supervisor department. The supervisor told me she would reset the online profile and I would be able to log in. Once again, I was not able to do so. When I called back, I was told the reset was not done and was then transferred to technical support. I was advised the reset was completed and while on the phone with technical support I was not able to log in. I was advised it was an advanced technical support issue and would receive a call back in 2 days from that department. After several days, we have received no callback. I have called them again and was told the statements were mailed and no further action has been taken to help resolve this situation. 
We are being evicted as a result of not being able to obtain these documents to verify income for XXXX XXXX  housing and are awaiting a court date to receive the final eviction date. Please expedite this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I filed for XXXX XXXX XXXX  in the XXXX XXXX XXXX Texas under case number XXXX, and received a discharge on XX/XX/year>. XXXX XXXX XXXX XXXX was listed in my bankruptcy schedules as a creditor, and the associated account should have been legally discharged. 

However, XXXX XXXX XXXX XXXX continues to report this account to Equifax with a charge-off status and ongoing delinquent payments throuXXXX XXXX long after the bankruptcy filing and discharge. The credit report shows a repeated CO ( charge-off ) notation each montheven though the account was no longer collectible after the discharge was granted. No update has been made to reflect that the debt was included in and discharged through XXXX XXXX XXXX 

I have submitted disputes with the credit bureaus XXXXequesting corrections, including copies of my discharge order and bankruptcy petition. Despite these efforts, the reporting remains inaccurate and misleading. This failure to update the tradeline not only violates the Fair Credit Reporting Act ( FCRA ), but it also undermines the protections afforded to me under the U.S. Bankruptcy Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: DE

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I would like to request the removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

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