vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 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:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable.

These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this third-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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 previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable.

These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this third-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-10-10 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:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-10-10 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: NY

Complaint narrative:
Early on the morning of Tuesday XX/XX/XXXX I received an email from PayPal saying that I sent {$5000.00} to a person that I did not recognize. Since I had not logged onto my PayPal account recently I knew this was fraud. 

I called PayPal to dispute this payment. PayPal told me that because this was not a payment for a product or service but a personal payment it was not covered under their protection policy and there was nothing they could do. I filed a claim # XXXX, which was denied. I was able to remove my payment method so this would not happen again. 

Still on XX/XX/XXXX I checked my XXXXXXXX XXXX XXXXXXXX savings account and there was no pending transaction. I called BanXXXX XXXX XXXX XXXX about XXXX that morning and the agent put a stop/hold on that amount of {$5000.00} from PayPal. 

On the morning of Wednesday XX/XX/XXXX I opened my account and saw that the withdrawal was posted on my checking account and listed as processing. I again called XXXX XXXX XXXXXXXX XXXX department. That person cancelled both my credit and debit card and ordered new cards. They put a second stop/hold with a more specific description of the hold including not only PayPal but the name of the person.

I also called PayPal to try to close my account so that this would not happen again. They were not able to close the account because of the pending dispute. The person also filed an appeal to my denied claim but that appeal was also denied with this message : We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. Based on our review, we found this transaction is consistent with your PayPal transaction history. 

The reason I know that this was their fault is the following : whenever I log onto PayPal after I put in my username and password they send me a text with a six digit number. I never received a text from PayPal before this fraudulent transaction and therefore I could not have made the transaction because I was not logged on. I think a more thorough investigation by PayPal would show that I was not the one who initiated this transfer. 

On Thursday XX/XX/XXXX I checked my account and saw that the charge was no longer listed as pending but as a completed transaction. I then called XXXX XXXX XXXXXXXX and created a dispute of the charge. They provisionally restored the amount to my account. Later that day I received an email from PayPal notifying me that my bank had declined the fund transfer and asking me to add funds to my account to cover what they now list as a negative balance of {$5000.00}. I have no intention of doing that. If they want their money back they should go after the person who stole it.

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

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 2025-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding MOHELA/XXXX s failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with Experian yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. 
MOHELA/XXXX  has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. MOHELA/XXXX XXXXXXXX

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

Complaint narrative:
I am writing to formally dispute the reporting of invalid information on my credit report. The account in question is listed as XXXX XXXX XXXX, account number XXXX, in the amount of {$240.00}. My SSN is XXXX This account does not belong to me and is being incorrectly reported by the credit bureaus. This inaccurate reporting is negatively affecting my livelihood, reputation, and access to credit. 

I am requesting that this information be investigated and permanently removed from all credit bureau records immediately, as it is both false and damaging. 

Please confirm receipt of this dispute and advise me of the next steps or any documentation needed to expedite the resolution process. 

Thank you for your prompt attention to this matter.

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 2025-10-10 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this formal complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/2025, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite having received all required documents, Experian has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-10-10 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: WA

Complaint narrative:
Good day, I am submitting this follow-up complaint regarding the inaccurate items listed below that continue to report on my credit file in violation of federal law. I am grateful that some of the items in my credit report were removed after my prior dispute ; however, upon reviewing my updated report, I found that several of these inaccurate items remain. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$8000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$26000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$41000.00} XXXX XXXX XXXX * Balance Owed : {$7700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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

Complaint narrative:
Good day, I am submitting this follow-up complaint regarding the inaccurate items listed below that continue to report on my credit file in violation of federal law. I am grateful that some of the items in my credit report were removed after my prior dispute ; however, upon reviewing my updated report, I found that several of these inaccurate items remain. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$8000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$26000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$41000.00} XXXX XXXX XXXX * Balance Owed : {$7700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-10-10 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: LA

Complaint narrative:
I am submitting this complaint regarding inaccurate and harmful credit reporting being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Details of Inaccuracy : Wrong Address Reporting XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX is being reported on my credit file. 

This is not my current or past address. The reporting of an incorrect address is misleading, harmful, and violates my rights under the FCRA. 

XXXX Account XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$0.00} Status : Reported as Late Payment. 

This account was reported inaccurately. If the balance is {$0.00}, it is factually inconsistent and misleading to continue reporting late payments. This misreporting is damaging my credit profile and is a clear violation of FCRA 1681i ( Failure to Reinvestigate Disputed Information ) and FCRA 1681s-2 ( Responsibility of Furnishers to Provide Accurate Information ).

Harm Caused : These errors are lowering my credit score and affecting my ability to access fair credit, housing, and financial opportunities. 

This inaccurate reporting constitutes negligence and non-compliance with federal consumer protection laws. 

Requested Resolution : I respectfully demand the following corrective actions : Immediate removal of the wrong address ( XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX, GA XXXX ) from all credit bureau XXXX XXXX 

Complete removal or correction of the XXXX XXXX account ( # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  that is being falsely reported with late payments despite a {$0.00} balance. 

A thorough investigation, with written confirmation of the results and corrective actions taken. 

Final Notice : If these inaccuracies are not promptly corrected, I will pursue further legal remedies for violations of the FCRA and for damages caused by negligent and willful misreporting. 

I expect CFPB to ensure the credit bureaus and furnisher comply with the law and correct these inaccuracies immediately.

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 2025-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
On XX/XX/year> I received a phone call at XXXX attempting to collect a debt. I then asked to send all correspondences via XXXX mail and remove my number from the call list. The representative ignored my request and continued about the debt. I told him I was at work and this call was interfering with me loading a truck with a forklift. After a third attempt, the representative told me that, do I think this debt will go away if we stop calling?. After hearing that, I told him that I am now recording the call and I feel like Im being harassed and threatened. I informed him that I do have a right to debt validation so again I asked to send via XXXX mail. I felt threatened and I became very upset with mental anguish from the verbal abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westlake Services, LLC
State: CA

Complaint narrative:
My signature was forged electronically. I never gave Westlake or anyone else permission to use an electronic signature for an auto loan. I had no knowledge of an auto loan and there is no document explicitly consenting the use of an electronic signature per the ESign Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-10-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XX/XX/year> Re : Request for Debt Validation I am writing to request validation of a debt that you claim I owe. I request that you provide me with the following information as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g : 1. The amount of the alleged debt.

2. The name of the original creditor.

3. Detailed statements or documentation showing that I am responsible for this debt.

4. Proof of your legal authority to collect this debt.

Please provide this information in writing. Until I receive proper validation, I request that you cease all collection activities regarding this alleged debt. 

I also request that you do not contact me by phone regarding this matter, except for written correspondence. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I discovered unauthorized inquiries on my credit report, and I dont understand why its there.

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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Solar Mosaic LLC
State: NJ

Complaint narrative:
A solar loan was opened up without my knowledge when I have never had solar installed. I get the run around from both loan company and installer both just run around saying call the other .. currently tryna to buy a house and need this removed as I dont have solar

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

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I submitted a formal dispute letter to Equifax on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Equifax has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Equifax has therefore failed to conduct a reasonable reinvestigation as required by law. 
XXXX XXXX & XXXX XXXX

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

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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

Complaint narrative:
I recently reviewed my credit report in ( XXXX XXXXnd TransUnion ) and noticed an account that was not reporting accurately. i had one late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action!

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