vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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: PA

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2025-09-29 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: AL

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 2025-09-29 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:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-29 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:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 2025-09-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I kept receiving fraudulent emails advising me that there were charges on my account they were not familiar with. I contacted them, advised them that those were not my transactions. I asked who I had to speak to so that I could actually dispute the transactions they sent me to a representative to speak to. The representative was foreign requesting my social security number, my debit card, account number, and other accounts information that they should not have requested. When I failed to do so, they disconnected the advisement. There was a formula. I filled out the form several times. When I hit submit it never went through and they actually closed my account. After I report to them that I thought that my account was hacked

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: NV

Complaint narrative:
While reviewing my TransUnion credit report, I noticed an inquiry from XXXX XXXX  dated XX/XX/year>. I did not authorize this inquiry, nor did I have any interaction with this company that would justify a hard credit pull. Seeing this inquiry was alarming and has caused me concern about potential unauthorized access to my credit profile. It feels like a violation of my personal financial boundaries and has created unnecessary anxiety over possible identity theft or fraudulent activity. 

I previously attempted to dispute this inquiry directly with TransUnion, but the response I received was generic and did not address my claim that the inquiry was unauthorized. This lack of meaningful investigation is frustrating, as I have every right under the Fair Credit Reporting Act to have only authorized inquiries reflected on my report. The unauthorized listing of a hard inquiry misrepresents my credit activity and could negatively impact my creditworthiness.

Under 15 U.S.C. 1681b ( a ) ( 3 ), a consumer reporting agency may only furnish a consumer report in connection with a permissible purpose, such as with the consumers authorization. An unauthorized hard inquiry is therefore a direct violation of my rights under the FCRA. Additionally, 15 U.S.C. 1681i requires the credit bureau to conduct a reasonable reinvestigation once I dispute the accuracy of any item on my report. TransUnions failure to provide documentation proving that this inquiry was authorized is a clear breach of this requirement and places me at risk of credit harm.

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 2025-09-29 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion 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  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$27000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} 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, XXXX as proof from the XXXX 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 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 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I am filing a complaint against Equifax Information Services, LLC for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. XXXXi, by failing to conduct a reasonable investigation of disputed accounts. 

On multiple occasions, I disputed several accounts on my Equifax credit file, including but not limited to accounts reported by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Other debt buyers and third-party collectors Equifax responded with form letters and investigation results claiming the accounts were verified as accurate after contacting the furnishers. However, at no point did Equifax provide me with : A copy of the original signed contract, Billing statements or account-level documentation, or Proof of legal ownership/assignment of the debt by the furnisher. 

Instead, Equifax relies entirely on the furnishers response. In fact, Equifax sent me a letter ( dated XX/XX/2025, Confirmation # XXXX attached ) admitting they simply ask the furnisher to confirm the information and then close the dispute. This is not a reasonable investigation as required by the FCRA. 

The accounts at issue remain on my credit report, damaging my credit score and reputation. Equifaxs conduct demonstrates : Failure to delete unverifiable information, Failure to conduct a lawful reinvestigation, Willful and negligent violations of the FCRA. 

Requested Resolution : Immediate deletion of all accounts disputed but verified without proper validation. 

Confirmation in writing that these accounts will no longer be reported to any bureau. 

Internal review of Equifaxs dispute process to ensure compliance with the FCRA. 

Supporting Documentation : Equifax dispute closure letter ( XX/XX/2025 ). 

Copies of investigation results showing debts marked verified as accurate with no supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-29 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B 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 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 2025-09-29 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, TX XXXX Experian / TransUnion / Equifax Formal Dispute of Inaccurate Credit Reporting Dear Credit Bureau, I am disputing the inaccurate reporting of the following account under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Inaccuracies Identified Last Payment Date Discrepancy Experian and Equifax list XX/XX/XXXX, while TransUnion lists XX/XX/XXXX. 
This inconsistency violates 15 USC 1681e ( b ) requiring maximum possible accuracy.

Account Status Contradiction Equifax and TransUnion both show the account as Open but simultaneously list it as Closed in account details. 
Experian reports the account as Open / Never late.

This contradiction is inaccurate and misleading.

Balance/Utilization Discrepancy Experian lists usage as 93 %, while Equifax and TransUnion show 94 %, even though the balance and limit are identical ( {$2100.00} / {$2300.00} ). 
Inconsistent reporting violates 15 USC 1681i ( 5 ) requiring correction or deletion of inaccurate information.

Legal Basis for My Request 15 USC 1681c-2 requires inaccurate or disputed information to be blocked within 4 business days.

15 USC 1681e ( b ) requires accuracy in consumer reporting.

15 USC 1681i ( 5 ) requires proper correction or deletion after reinvestigation. 

Resolution Requested Provide the original signed agreement and terms & conditions with Credit One Bank to validate this reporting.

Correct or delete the following : Last payment date inconsistency ( XX/XX/XXXX vs XX/XX/XXXX ) Status contradiction ( Open vs Closed ) Balance/utilization discrepancy ( 93 % vs 94 % ) If you can not validate with legally sufficient documentation, you must delete this account.

Failure to comply within 4 business days will result in forfeiture of any claims to report this account, and liability for {$1000.00} per account under the FCRA. 

I expect confirmation in writing of the deletion or correction of the inaccurate information. 
Sincerely, 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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX, TX XXXX Experian / TransUnion / Equifax Formal Dispute of Inaccurate Credit Reporting Dear Credit Bureau, I am disputing the inaccurate reporting of the following account under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Inaccuracies Identified Last Payment Date Discrepancy Experian and Equifax list XX/XX/XXXX, while TransUnion lists XX/XX/XXXX. 
This inconsistency violates 15 USC 1681e ( b ) requiring maximum possible accuracy.

Account Status Contradiction Equifax and TransUnion both show the account as Open but simultaneously list it as Closed in account details. 
Experian reports the account as Open / Never late.

This contradiction is inaccurate and misleading.

Balance/Utilization Discrepancy Experian lists usage as 93 %, while Equifax and TransUnion show 94 %, even though the balance and limit are identical ( {$2100.00} / {$2300.00} ). 
Inconsistent reporting violates 15 USC 1681i ( 5 ) requiring correction or deletion of inaccurate information.

Legal Basis for My Request 15 USC 1681c-2 requires inaccurate or disputed information to be blocked within 4 business days.

15 USC 1681e ( b ) requires accuracy in consumer reporting.

15 USC 1681i ( 5 ) requires proper correction or deletion after reinvestigation. 

Resolution Requested Provide the original signed agreement and terms & conditions with Credit One Bank to validate this reporting.

Correct or delete the following : Last payment date inconsistency ( XX/XX/XXXX vs XX/XX/XXXX ) Status contradiction ( Open vs Closed ) Balance/utilization discrepancy ( 93 % vs 94 % ) If you can not validate with legally sufficient documentation, you must delete this account.

Failure to comply within 4 business days will result in forfeiture of any claims to report this account, and liability for {$1000.00} per account under the FCRA. 

I expect confirmation in writing of the deletion or correction of the inaccurate information. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX - XXXX - Account not mine

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 2025-09-29 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: LA

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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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