vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
I am disputing the following accounts with Experian. Please investigate and remove any inaccurate or unverifiable information from my credit report. 

Charged Off Accounts : 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 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 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 2025-11-07 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: NJ

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: MA

Complaint narrative:
I am disputing several accounts that appear inaccurately on my credit report. Due to the recent TransUnion data breach, I have reason to believe some of my personal information may have been compromised, leading to potential reporting errors or fraudulent accounts.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2, I am exercising my right to dispute inaccurate or unverifiable information and request that each account be fully investigated, verified directly with the original creditor, and deleted or corrected if found to be inaccurate or unverifiable. 

The following accounts are in dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Each of these accounts is reporting inaccurate or unverifiable data. Please investigate these listings in compliance with the FCRA and provide written confirmation of the results, including documentation used for verification.

I am requesting prompt correction or deletion of any unverifiable information in accordance with 15 U.S.C. 1681i ( 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 non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
On XX/XX/year>, I accidentally made a purchase on piecewater.com using my XXXX XXXX account instead of my personal account due to the one-click purchase feature. The purchase was unintentional and should not have affected my business account. 

On XX/XX/year>, after receiving my monthly payment, limitations were placed on my account. I promptly submitted all requested documentation. The next morning, my account was deactivated, and I was informed that my funds ( {$4700.00} ) would be held for XXXX  days. 

I am in urgent need of these funds, as my rent is overdue and accumulating late fees. The delay is causing significant financial hardship. I respectfully request an immediate release of my available funds to cover my essential living expenses. 

I am happy to provide any additional documentation to verify this was a genuine mistake and that my account activity is legitimate. 

Please respond as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Kansas XXXX, Mo. XXXX XXXX XXXX XX/XX/year> Regarding XXXX MAIN Account number XXXXXXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Unauthorized Furnishing of Personal Information under 15 U.S.C. 1681 To Whom It May Concern, I am writing to formally dispute the accuracy and legality of certain information reported on my credit file with your agency. Specifically, I have discovered that personal information has been furnished to your agency without my written consent, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Under the provisions of 15 U.S.C. 1681b, a credit reporting agency is prohibited from furnishing consumer information unless there is a permissible purpose, and the consumer has provided written consent where required. I assert that I have never provided written authorization or consent for the furnishing of my personal information to your agency.

As per my rights under the Fair Credit Reporting Act, I request that you : 1. Immediately investigate the disputed item ( s ) in accordance with 15 U.S.C. 1681i.

2. Verify the source of the information furnished without my consent and provide proof of written authorization for such data reporting.

3. Delete the disputed entry from my credit file if no valid written consent can be provided.

In accordance with 15 U.S.C. 1681i ( a ), I expect that you complete your investigation and resolve this matter promptly. If no proof of my consent to furnish this information is provided, I expect you to remove any such information from my credit file within the XXXX statutory period. 
Please send me a copy of your findings and any corrective action taken. You XXXX contact me at XXXX or XXXX if you require further documentation to process my dispute. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XXXX - DOB XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

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 2025-11-07 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 am writing to dispute the following items on my Experian credit report that I believe are inaccurate or incomplete under the Fair Credit Reporting Act ( FCRA ). I respectfully request a thorough investigation into the following accounts, and if any information can not be verified, I request that it be removed. 

CHARGED OFF : XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX stated I was illegally using my savings/ checking accounts because I use their service XXXX to pay myself from my XXXX XXXX XXXX to this personal account. After they forced closed the accounts, they have refused to mail the check for balance due. After emailing several times, I was told " Ive done everything that I could to try to retain your relationship because I do see you as a value client. '' EXCEPT pay out the balance owed or allow their product XXXX, to be used in the correct standards written on 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 2025-11-07 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 kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2025-11-07 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: OH

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2025-11-07 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: FL

Complaint narrative:
I am submitting this complaint because Experian is reporting several items that appear inaccurate or inconsistent compared to my records and the reports maintained by the other credit bureaus. 

In my Experian file, I identified accounts showing incorrect charge-off dates, mismatched account numbers, and balances that differ from XXXX  and XXXX. Additionally, there are hard inquiries listed that I do not recognize or recall authorizing. 

Section : Charged-Off Accounts in Dispute [ List remains as previously provided XXXX through XXXX XXXX XXXX ] Section : Hard Inquiries in Dispute [ List remains as previously provided XXXX Credit through XXXX XXXX XXXX XXXX XXXX : Late Payments in Dispute [ List remains as previously provided XXXX  XXXX through 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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing the following accounts with Equifax. Please investigate and remove any inaccurate or unverifiable information from my credit report. 

Charged Off Accounts : XXXX Account Number : XXXX Date Open : XX/XX/year> Balance : {$8100.00} Late Payment : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: RI

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
Charged Off Accounts XXXX  XXXX XXXX Acct # XXXX Reported XX/XX/XXXX Balance : {$18000.00} This account is outdated and beyond the allowable reporting period under the FCRA ( over seven years ). It should be deleted immediately if it still appears. 

XXXX XXXX  Acct # XXXX Reported XX/XX/XXXX Balance : {$16000.00} I do not recognize this account. Please provide full verification and documentation, including the original creditor and terms. If it can not be verified, please delete. 

XXXX XXXX  Acct # XXXX Reported XX/XX/XXXX Balance : {$17000.00} I do not recall having an open account with XXXX XXXX  at that time. Please confirm all identifying details and provide documentation of the debt and charge-off status. 

XXXX XXXX Acct # XXXX Reported XX/XX/XXXX Balance : {$7900.00} This account appears to be more than 10 years old and should no longer be reporting. Please remove if it exceeds the 7-year reporting limit. 

XXXX XXXX  Acct # XXXX Reported XX/XX/XXXX Balance : {$6200.00} Please verify the date of last payment and confirm that this account is still eligible to be reported under FCRA standards. If not, it should be deleted. 

XXXX Acct XXXX XXXX Reported XX/XX/XXXX Balance : {$0.00} This account shows a {$0.00} balance but is still listed as charged off. If it was paid or settled, please update the status to reflect accurately and remove any negative notation. 

Late Payments XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  XXXX Multiple loan IDs ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) XXXX Acct # XXXX Several XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting late payments. I am requesting verification for each of these accounts and that Experian remove any inaccurate, duplicated, or misreported late payments. Many student loan transfers cause duplicate or erroneous delinquency notations, which unfairly harm my credit. 

Inquiries No active inquiries listed for dispute under Experian. Please verify all recent inquiries and remove any that were unauthorized or made in error.

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 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: Central Research Inc
State: NY

Complaint narrative:
My student loans were transferred from XXXX to XXXX in which XXXX never sent me any mail notifications to let me know that they were my new loan servicer. I was not made aware of this until XXXX reported my loans with delinquent payments to the credit bureaus. I have spoke with XXXX and I am willing to pay off all the loans in full however they refuse to re age or remove any delinquent payment statuses from my credit report. I have perfect credit of an XXXX, with these delinquent marks on my credit report my score has dropped XXXX point to a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
These are inaccurate items. They show as late payments.

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 2025-11-07 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-07 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation