vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/year>, I sent {$600.00} through XXXX  ( with buyer protection noted ) to XXXX XXXX, who uses the name XXXX on XXXX XXXX, for a box of toner cartridges. I also provided him with a prepaid shipping label.

When the package arrived, several valuable items were missing, most notably the XXXX XXXX XXXX, which was the highest-value item in the lot. In addition, some items were opened even though the seller had explicitly stated in messages and photos that they were sealed. 

I requested only a partial refund of {$200.00} to account for the missing/incorrect items, not the full {$600.00}. XXXX  denied this request multiple times, stating the denial was because I did not return the product. However, I never received all of the product to return, and the items I did receive were not as described.

I have screenshots and photographs proving the seller misrepresented what was sent. In fact, about eight hours after XXXX  closed the case in the sellers favor ( XX/XX/XXXX at XXXX, the seller messaged me offering to send the missing toner if I provided another prepaid label confirming that the toner had not been shipped initially and I believe was only sent because he believed the case was over and he had basically gotten away with scamming me. This individual had no intentions of sending the XXXX toner originally or after the case was closed ( just rubbing it in my face ). See all attached screenshots for admission of sealed toner and later acknowledging the XXXX was not there, the evidence in this case is overwhelming.

Returning the package was not a viable option because ( 1 ) not all items were received, ( 2 ) the seller could not be trusted to acknowledge what was returned, and ( 3 ) doing so would risk losing both the funds and the items.

I am requesting that XXXX  review this case fairly and refund {$200.00} to cover the missing XXXX XXXX toner and other discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX ] Account Number : [ XXXX ] Date of Charge-Off : [ XXXX ] It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-31 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally demand the immediate investigation and removal of all negative items on my credit report that have resulted from fraudulent activity and data breaches. I have reported instances of identity theft, and despite my diligent efforts to resolve these inaccuracies, all three major credit bureausEquifax, Experian, and TransUnionare in violation of my rights as a consumer as outlined under the Fair Credit Reporting Act ( FCRA ). The specific accounts I dispute include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Account Number : XXXX ) XXXX. XXXX XXXX ( Account Number : XXXX ) XXXX. XXXX XXXX XXXX XXXX. XXXX  XXXX These accounts are incorrect and not associated with me. It is unconscionable that the credit reporting agencies continue to allow these fraudulent reports to persist on my credit file without valid proof of my obligation. As per FCRA 609 ( a ) ( 1 ), I have the right to request the disclosure of all information in my file, and I have not received valid proof with my signature verifying these debts.

Furthermore, I must highlight that under the Gramm-Leach-Bliley Act ( GLBA ), my personal information must be safeguarded. The recent data breaches have led to significant exposure of my information, adding to the complications of resolving this issue. Clearly, my rights have been ignored, and I formally request that all negative items resulting from these breaches be removed without delay.

I am prepared to escalate this matter legally. I will take appropriate legal action for fraud if this situation is not resolved immediately. You have failed to obtain my consent to report any negative items that do not belong to me, and your negligence has had a severe impact on my ability to live freely and make financial decisions.

I expect the removal of all inaccuracies and fraudulent items from my credit reports within 30 days of receiving this notice, and a written response confirming the actions taken. 

Thank you for your immediate attention to this serious matter. 

Sincerely, 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 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally demand the immediate investigation and removal of all negative items on my credit report that have resulted from fraudulent activity and data breaches. I have reported instances of identity theft, and despite my diligent efforts to resolve these inaccuracies, all three major credit bureausEquifax, Experian, and TransUnionare in violation of my rights as a consumer as outlined under the Fair Credit Reporting Act ( FCRA ). The specific accounts I dispute include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Account Number : XXXX ) XXXX. XXXX XXXX ( Account Number : XXXX ) XXXX. XXXX XXXX XXXX XXXX. XXXX  XXXX These accounts are incorrect and not associated with me. It is unconscionable that the credit reporting agencies continue to allow these fraudulent reports to persist on my credit file without valid proof of my obligation. As per FCRA 609 ( a ) ( 1 ), I have the right to request the disclosure of all information in my file, and I have not received valid proof with my signature verifying these debts.

Furthermore, I must highlight that under the Gramm-Leach-Bliley Act ( GLBA ), my personal information must be safeguarded. The recent data breaches have led to significant exposure of my information, adding to the complications of resolving this issue. Clearly, my rights have been ignored, and I formally request that all negative items resulting from these breaches be removed without delay.

I am prepared to escalate this matter legally. I will take appropriate legal action for fraud if this situation is not resolved immediately. You have failed to obtain my consent to report any negative items that do not belong to me, and your negligence has had a severe impact on my ability to live freely and make financial decisions.

I expect the removal of all inaccuracies and fraudulent items from my credit reports within 30 days of receiving this notice, and a written response confirming the actions taken. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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:
Dear TransUnion, XX/XX/year> I am writing to formally dispute several unauthorized inquiries that appear on my credit report. I have not applied for credit with these companies, and these inquiries are the result of fraudulent activity. I have previously requested their removal, and this letter serves as my formal request in accordance with the Fair Credit Reporting Act ( FCRA ). 

The unauthorized inquiries I am disputing are : XXXX. XXXX XXXX on XX/XX/year> XXXX. XXXX XXXX on XX/XX/year> XXXX. XXXX XXXX on XX/XX/year> XXXXXXXX XXXX XXXX on XX/XX/year> I have already taken the following steps to resolve this matter : I have filed a fraud report with the Federal Trade Commission ( FTC ). The confirmation number for this report is XXXX. A copy is attached. 
I have contacted each of the companies listed above directly. They have no record of an application from me and have advised me to contact the credit bureaus for removal. 

Please consider the attached FTC report as evidence of fraudulent activity. In accordance with my rights under the FCRA, I request that you investigate and promptly remove these unauthorized inquiries from my credit file. 

Attached for your review are copies of my : Driver 's license Social Security card FTC Identity Theft Report Utility bill Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXXXXXX 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 2025-08-31 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-31 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Phone : XXXX Email : XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Re : Third Escalation Identity Theft & Fraudulent Accounts with XXXX XXXX Bank To Whom It May Concern, This is my third escalation regarding fraudulent XXXX XXXX Bank ( XXXX XXXX ) accounts that continue to be reported under my credit file despite my prior disputes and submission of evidence. 
The following accounts are not mine and were fraudulently opened approximately XXXX months after I was released from a XXXX XXXX  sentence in XX/XX/XXXX : - XXXX  BANK-XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BANK-XXXX  XXXX - XXXX BANK-XXXX XXXX  XXXX additional fraudulent account ) XXXX XXXXXXXX I am including reference to XXXX  Banks official clearance letter ( Exhibit A ), which confirms I was a victim of identity theft. This, along with the timeline of my XXXX  and release, proves beyond doubt that these accounts are fraudulent. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to maintain and report with maximum possible accuracy ( 1681e ( b ) ), conduct proper reinvestigations ( 1681i ), fulfill your duty as a furnisher of accurate information ( 1681s-2 ), and block identity theft related information upon notice ( 1681c-2 ).

I hereby demand the immediate and permanent deletion of these accounts from my credit file. Failure to comply within 15 days will result in escalation to the Consumer Financial Protection Bureau ( CFPB ), the Attorney General, and pursuit of legal remedies.

Please provide written confirmation that these fraudulent accounts have been deleted from my file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
Visa Gift card purchased, via XXXX XXXX bank. Given as a gift to a friend. Fraud charges made on card. The Gift card company agreed to replace the card. The new card came in the mail with incorrect name on card. Card was activated, but no money on card and can not be used. Gift card company informed and have not responded. The friend initiated the fraud process with XXXX however as they have not responded, as the gifter of the card, I am now claiming responsibility

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Kikoff Inc.
State: MI

Complaint narrative:
I pay a Kikoff subscription fee because they stated they report to all three credit bureaus but XXXX  is not reporting any credit history for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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: NC

Complaint narrative:
I asked that any information that is incorrect be removed from my credit these companies said that it would be taken care of in 24 hours and nothing was done so

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 2025-08-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint for failing to properly investigate and remove inaccurate information on my credit report related to an account with XXXX. 

XXXX. Failure to Correct Inaccurate Information I have submitted multiple disputes regarding the XXXX account, which has been reported inaccurately. Despite providing supporting documentation, the bureaus have failed to remove or correct the false information. 


XXXX. Unlawful XXXX by XXXX XXXX has re-aged my account and continues to report late payments on an account that was closed. The credit bureaus have continued to report this false information on my credit file, in violation of the Fair Credit Reporting Act ( FCRA 611 ( a ) and 623 ), which requires that inaccurate information be investigated and either corrected or removed.

3. Failure to Block Unverifiable Information Because the BridgeCrest account information is inaccurate and unverifiable, the bureaus are legally required to remove it from my credit file under FCRA 605B and 623 ( b ). Their failure to do so is harming my creditworthiness and financial opportunities. 


XXXX. Repeated Dispute Ignored Despite repeated submissions and evidence of inaccuracies, the bureaus have not complied with their obligations under the FCRA to investigate and correct or delete this information. 



Desired Resolution : I am requesting that the credit bureaus remove the XXXX account entirely from my credit reports, investigate their compliance with the FCRA regarding this account, and ensure they follow federal law for any future disputes.

Company response to consumer: Closed with non-monetary relief