vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
In XX/XX/XXXX I signed up for XXXX using my XXXX email, uploaded XXXX document during the free trial, and canceled the subscription the same day. I never used the service again. Despite this, XXXX charged me {$96.00} annually through PayPal from XXXX through XXXX. These charges were unauthorized because the subscription had been canceled. When I discovered the issue, I disputed the most recent charge ( XXXX ) with PayPal and was refunded. However, PayPal refused to refund the identical charges from XXXX, citing transaction age. I also contacted XXXX directly and provided the account details and payment information they requested so they could process my refund, but after that they never responded further. At this point the merchant has ignored me, and PayPal has inconsistently applied its protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am filing a formal complaint against Jefferson Capital Systems LLC and XXXX XXXX XXXX for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: PA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/year>, I financed a timeshare through XXXX XXXX XXXX XXXX. The lender listed on my Note and Mortgage is XXXX XXXX XXXX XXXX, but Experian is reporting the account under XXXX XXXX XXXX XXXX as a real estate/mortgage loan. This is inaccurate a timeshare is personal property under XXXX XXXX. XXXX ( XXXX ) and must be treated as an installment loan per XXXX XXXX XXXX XXXX XXXX XXXX  appears permanently closed and never reported this tradeline. I was never notified of any transfer of ownership or servicing as required by TILA 1641 ( g ). Reporting by the seller ( HICV ) instead of the actual lender is misleading and violates FCRA 1681s-2 ( a ), 1681e ( b ), and Reg V 1022.42 ( a ). 

I request CFPB investigation and that Experian either reclassify this account as an installment loan or delete it if unverifiable.

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 2025-10-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Equifax 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: PLANET HOME LENDING, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX I sent new insurance coverage documentation and escrow anaylsis review request for adjustments to loan. I was notoifed on XX/XX/XXXX that XXXX paid new provider which acknowledges letter received but they partially addressed request. I later learned that on XX/XX/XXXX they closed account preparing to transfer to planet home lending with an effective date of XX/XX/XXXX. I called to make payment and was unable to because I wasn't in there sysytem and was told that the new provider had XXXX days to update from transfer date. Needless to say, I still havenot been updated and the wrong information is still reflecting. They have my insurance with a former provider at {$1700.00} and mortgage from {$1400.00} to {$1700.00}. There has not been a revise escrow analysis as requested. When I call I'm told there departments are different and still unable to gain clarity or received a direct answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I sent a {$50.00} cash to XXXX XXXX XXXX XXXX XXXX He had, unknowingly to me deleted this account. They told me that he would have to reopen the account. He has not received the money and he can not receive the money. It was on XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
Further, under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ) ( A ), if the bureaus or furnishers later attempt to verify or reinsert any of these fraudulent items, they are required by law to provide : A Method of Verification ( MOV ) detailing exactly how the information was verified, including the specific documents and systems used.

A Furnishers Certification of Accuracy a sworn certification from the furnisher attesting to the legitimacy of the information before reinsertion.

Failure to provide these documents within the legal timelines constitutes a severe violation of the FCRA and exposes the bureaus to liability.

Supporting Case Law and Enforcement History Federal courts have consistently ruled that credit bureaus must conduct meaningful investigations and can not rely on superficial or automated processes. 

XXXX v. Trans Union, 115 F.3d 220 ( 3d Cir. 199XXXX ) : The court held that a CRA violates the FCRA when it relies solely on automated verification systems and fails to conduct a real, substantive investigation. 

XXXXXX/XX/XXXX) : The court ruled that CRAs must do more than passively accept a furnishers response ; they are required to independently ensure the accuracy of disputed data. 

XXXX v. Equifax, XXXX XXXX XXXX ( XXXX. XXXX. XXXX ) : Reaffirmed that failure to promptly block fraudulent items constitutes willful noncompliance. 

These cases make it clear : any failure to block, any reinsertion without proper certification, and any superficial verification process are direct FCRA violations. 

Pattern of Abuse and CFPB Oversight The major credit bureaus Experian, Equifax, and TransUnion have a documented history of stall tactics and failure to comply with 605B, including falsely claiming documents are incomplete, requesting unnecessary extra paperwork, and re-verifying fraudulent data after deletion.

This is precisely why I am logging this request through the CFPB first.

By filing through the CFPB, I am creating a federal record to prevent the bureaus from claiming they never received my request or attempting to mischaracterize it. Every step from this point forward will be monitored and documented by the CFPB.

If the bureaus fail to comply, it will not be a he said, she said dispute there will be verifiable proof of their noncompliance, which will form the foundation of civil litigation under FCRA 616617, where I will seek statutory, actual, and punitive damage

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 2025-10-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Further, under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ) ( A ), if the bureaus or furnishers later attempt to verify or reinsert any of these fraudulent items, they are required by law to provide : A Method of Verification ( MOV ) detailing exactly how the information was verified, including the specific documents and systems used.

A Furnishers Certification of Accuracy a sworn certification from the furnisher attesting to the legitimacy of the information before reinsertion.

Failure to provide these documents within the legal timelines constitutes a severe violation of the FCRA and exposes the bureaus to liability.

Supporting Case Law and Enforcement History Federal courts have consistently ruled that credit bureaus must conduct meaningful investigations and can not rely on superficial or automated processes. 

XXXX v. Trans Union, 115 F.3d 220 ( 3d Cir. 199XXXX ) : The court held that a CRA violates the FCRA when it relies solely on automated verification systems and fails to conduct a real, substantive investigation. 

XXXXXX/XX/XXXX) : The court ruled that CRAs must do more than passively accept a furnishers response ; they are required to independently ensure the accuracy of disputed data. 

XXXX v. Equifax, XXXX XXXX XXXX ( XXXX. XXXX. XXXX ) : Reaffirmed that failure to promptly block fraudulent items constitutes willful noncompliance. 

These cases make it clear : any failure to block, any reinsertion without proper certification, and any superficial verification process are direct FCRA violations. 

Pattern of Abuse and CFPB Oversight The major credit bureaus Experian, Equifax, and TransUnion have a documented history of stall tactics and failure to comply with 605B, including falsely claiming documents are incomplete, requesting unnecessary extra paperwork, and re-verifying fraudulent data after deletion.

This is precisely why I am logging this request through the CFPB first.

By filing through the CFPB, I am creating a federal record to prevent the bureaus from claiming they never received my request or attempting to mischaracterize it. Every step from this point forward will be monitored and documented by the CFPB.

If the bureaus fail to comply, it will not be a he said, she said dispute there will be verifiable proof of their noncompliance, which will form the foundation of civil litigation under FCRA 616617, where I will seek statutory, actual, and punitive damage

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

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 explanation
Consumer complaint received 2025-10-29 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Equifax 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-10-29 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: AL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-10-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I discovered a charge-off account on my credit report that I believe is inaccurate and incomplete. Since noticing this, I have submitted multiple formal disputes to both the creditor/furnisher and the credit reporting agencies, requesting a thorough investigation and validation of the debt. Despite these repeated efforts, the creditor has failed to provide any substantive verification, such as the original signed contract, detailed payment history, or evidence that the debt is valid and belongs to me. 
Instead, I have only received generic or stall responses that do not address the specific issues I raised. The inaccurate charge-off status, incorrect balances, and inconsistent reporting continue to appear on my credit report, which is negatively impacting my credit score and financial opportunities. This ongoing failure to investigate and correct the errors violates my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws.

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