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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am submitting this follow-up complaint to formally dispute inaccurate and harmful reporting on my 3 credit bureaus credit report , specifically related to an account reported by XXXX with an account number ending in XXXX. This account is currently being reported as 120 days late continuously from XX/XX/XXXX through XX/XX/XXXX, with a reported balance of {$34000.00}. This extended pattern of late payment reporting is inconsistent with my actual payment behavior and account status. I have not received any communication or documentation from the creditor indicating that I was ever 120 days delinquent, nor does my personal record reflect such a delinquency. The manner in which this account is being reported is not only inaccurate but also outdated and severely damaging to my credit profile. A persistent 120-day late status over such an extended time frame appears to be either a systemic error or an unfair credit reporting practice. This misreporting has significantly lowered my credit score and has adversely impacted my ability to qualify for credit products. Under FCRA 1681e ( b ), 3 credit bureaus is legally obligated to ensure that all information on consumer credit files is reported with the maximum possible accuracy. Furthermore, under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate information and to request a full reinvestigation.

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: TX

Complaint narrative:
I have always prioritized meeting payment deadlines, so it's concerning to find an error indicating a late payment on my account. This mistake is causing unnecessary stress, and I kindly request that you correct it promptly by updating my records accordingly.

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

Complaint narrative:
My credit report includes collection accounts that I believe contain inaccurate information. Under 15 U.S. Code 1681e ( b ) and 1681i, I have the right to a credit report that is fully accurate. I am requesting an investigation into these accounts, and if they can not be properly verified, they must be 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 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 — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is a bankruptcy entry on my credit report that I believe to be incorrect or lacking proper verification. In accordance with 15 U.S. Code 1681e ( b ) and 1681i ( 5 ), I have the right to a completely accurate credit file. I am requesting that this entry be reviewed, and if it can not be validated, that it be removed.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: FL

Complaint narrative:
I requested a balance transfer from my discover credit card to my XXXX XXXX account. Discover credit card company sent the money to an account that is not belong to me. I started dispute last XXXX but discover company still not resolved it. I tried to contact discover several times to check the status if the dispute and also to request information about the bank account that discover sent the to it, but I did not receive any information/help. 
Now, the card payment due date is approaching and I will have to pay ( for a service that I didnt receive ). Discover sent my money to a wrong account and refuse to tell me any information. I need to know what happened to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: W&A Intermediate Co., LLC
State: WI

Complaint narrative:
They call me every single day and completely fill up my voicemail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Never received chain of custody for this negative accounts or validation as requested and it also took them over 30 to respond

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 — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, PayPal placed a 120-day hold on my personal account balance of {$2200.00}. This is a personal account, not a merchant or business account. The funds came from personal transfers, not from selling goods or services. 

There have been no disputes, no claims, and no chargebacks on my account, and there have been no attempts at chargebacks. Despite this, PayPal permanently limited my account and informed me that the funds would not be released until XX/XX/year>. I have already waited more than 90 days without access to my money. 

I contacted PayPal support multiple times and requested an explanation. Each time, I only received a generic policy statement. PayPal has not provided any account-specific justification for why my funds are being held for 120 days or why I can not access them earlier. 

I am requesting CFPBs assistance to require PayPal to either ( 1 ) release my {$2200.00} balance immediately, or ( 2 ) provide a clear, individualized explanation for the 120-day hold and ensure I will have full access to my funds at the end of that period.

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: OH

Complaint narrative:
This is now my 8th disputea number that is absurd and unacceptable. The failure of the data furnisher and CRAs to comply with the FCRA, Metro 2 guidelines, and Consumer Law is now systemic and malicious. The account continues to report false, inconsistent, and outdated information, which is a violation of FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 reporting codes. 

They are knowingly furnishing data that is not verified, not accurate, and not correctthis is now intentional misconduct, subject to penalties under FCRA 616 for willful noncompliance. The CRAs are complicit by continuing to report this information without independent validation.

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

Complaint narrative:
I have been dealing with XXXX  that last few months. Trying to configure my I count. I had a tax return. Deposited to my XXXX  I will be able to pull up XXXX XXXX  of that before they froze my account. Then they started asking me for unemployment documents and the government like if my deposit was for Monday appointment and they froze my account for that reason, with $ XXXX in account.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDELENT ACCOUNTS : XXXX # XXXX -Date Opened XX/XX/XXXX -- Balance {$1700.00} XXXX XXXX # XXXX -Date Opened XX/XX/XXXX -- Balance {$700.00} XXXX  # XXXX Date Opened XX/XX/XXXX -- Balance {$0.00} XXXX XXXX  # XXXXXX -Date XXXX XX/XX/XXXX -- Balance {$0.00} XXXX # XXXX -Date Opened XX/XX/XXXX XXXX Balance {$100.00} XXXX # XXXX  -Date Opened XX/XX/XXXX -- Balance {$550.00} XXXX XXXX XXXX # XXXX -Date Opened XX/XX/XXXX -- Balance {$1700.00} XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX -- Balance {$3100.00} XXXX XXXX XXXX -Date Opened XX/XX/XXXX -- Balance {$780.00} XXXX # XXXX -Date Opened XX/XX/XXXX -- Balance {$550.00} XXXX XXXX  # XXXX -Date Opened XX/XX/XXXX -- Balance {$510.00} XXXX XXXX # XXXX -Date Opened XX/XX/XXXX -- Balance {$520.00} XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX -- Balance {$580.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am using the card this month to pay and since XX/XX/XXXX for same merchant I transacted multiple times and I confirmed same to citi when fraud alert asked me to call earlier this month. After first round of using my credit limit. I used card again and paid most of balance. Generally, when I pay balance, it shows immediately for use. However, my balance is not available for use even after almost a week. 

Now I did additional payment and they requested to call again today XXXX XXXX again. I did. They asked if I called earlier today and I said no then for security reasons we cant verify you and u will get email with reference number and call us with it. But I must use the card to do remaining payments as I cant use any other card. It is grave inconvenience and requested to verify me other ways to send expedited letter and they say they cant tell anymore. I need resolution rather quickly to ensure I can use it

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is now my 8th disputea number that is absurd and unacceptable. The failure of the data furnisher and CRAs to comply with the FCRA, Metro 2 guidelines, and Consumer Law is now systemic and malicious. The account continues to report false, inconsistent, and outdated information, which is a violation of FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 reporting codes. 

They are knowingly furnishing data that is not verified, not accurate, and not correctthis is now intentional misconduct, subject to penalties under FCRA 616 for willful noncompliance. The CRAs are complicit by continuing to report this information without independent validation.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is now my 8th disputea number that is absurd and unacceptable. The failure of the data furnisher and CRAs to comply with the FCRA, Metro 2 guidelines, and Consumer Law is now systemic and malicious. The account continues to report false, inconsistent, and outdated information, which is a violation of FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 reporting codes. 

They are knowingly furnishing data that is not verified, not accurate, and not correctthis is now intentional misconduct, subject to penalties under FCRA 616 for willful noncompliance. The CRAs are complicit by continuing to report this information without independent validation.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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: TX

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

Complaint narrative:
I am officially requesting the removal of this incorrect account from my credit report, as I did not authorize its creation or usage. I have included the necessary documents to support my dispute.

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: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica
State: TX

Complaint narrative:
Since XX/XX/XXXX I've tried to verify my id, get fraudulent charges taken Care of and find out how I was going to get my money on XX/XX/XXXX. They canceled my card locked me out of my account online, won't give me information on my fraudulent charges, I've called again on XX/XX/XXXX, again on XXXX and XX/XX/XXXX, XX/XX/XXXX and again every other day trying to verify who I am like they asked. The first time I sent to much info, next it was not the front and back, next it was not the right way, and yet again it was a temporary id and so on and so on all the way up to XX/XX/XXXX, and I'm running out of time to do that verifying to get my money and now I don't know how I'm going to get my check no money to get bills paid, wondering how I'm supposed to get my benefits on XXXX of XXXX. Plus I've gone to ssa and sat and was told to open up bank account but I can't with temporary id, and my permanent one hasn't come yet and isn't expected for a few weeks.

Company response to consumer: Closed with 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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am submitting this follow-up complaint to dispute unauthorized hard inquiries currently appearing on my Equifax credit report. Despite previously raising concerns about these entries, Equifax has failed to adequately address the matter. The following inquiries were not authorized by me, and I have no record of submitting any credit applications to the listed entities that would justify such access to my credit file : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 604 ( 15 U.S.C. 1681b ), a consumer reporting agency may only furnish a credit report to entities that have a permissible purpose. These inquiries do not meet that standard, as I never granted authorization nor initiated any transactions with these companies that would legally justify their access to my personal credit information. Additionally, FCRA 611 ( 15 U.S.C. 1681i ) mandates that consumer reporting agencies must conduct a reasonable reinvestigation of any disputed information, including inquiries, and remove any item that can not be verified. 
Given the serious nature of unauthorized access to a credit file which can be indicative of identity theft, fraud, or procedural errors I am requesting that Equifax take this dispute seriously and conduct a full and timely reinvestigation into the legitimacy of these inquiries. If any of them can not be verified with clear, permissible purpose documentation, they must be immediately removed from my credit report in accordance with FCRA 611 ( a ) ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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:
I am officially requesting the removal of this incorrect account from my credit report, as I did not authorize its creation or usage. I have included the necessary documents to support my dispute.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable.

These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this third-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am filing this follow-up complaint regarding inaccurate and potentially unverifiable late payment notations currently listed on my 3 credit bureaus will credit report. Despite my prior dispute, the following accounts continue to reflect derogatory payment histories that I believe are either incorrectly reported, improperly verified, or lack sufficient documentation to justify their continued presence on my report. These late payment entries are having a materially negative impact on my creditworthiness and may constitute violations of both the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). 
The accounts in question are all reported under XXXX, with account numbers ending in the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} Additionally, a separate account is listed under XXXX XXXX, account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$37000.00}. 
I have not received any adequate verification or documentation proving the accuracy or timeliness of the reported late payments on these accounts. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting data that they know or have reasonable cause to believe is inaccurate. Furthermore, the credit bureau has an obligation under FCRA 1681e ( b ) to maintain the maximum possible accuracy in reporting. If these late payment entries can not be substantiated with accurate, complete, and timely records including payment history and original creditor documentation they must be corrected from my credit report in accordance with FCRA 611 ( a ) ( 5 ).

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