vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 TransUnion 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 ), TransUnion 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. TransUnion has therefore failed to conduct a reasonable reinvestigation as required by law. Bankruptcy XXXX XXXX XXXXXXXX Reference number : 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 2025-10-28 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: HI

Complaint narrative:
So I had several XXXX XXXX over the weekend. Will do is put an initial hold on the card and then they will finalize and void the original charge or update it. 
I used PayPal, thankfully, to pay all these. These were all connected to my XXXX  debit card. My XXXX  was frozen because there was a bunch of duplicate charges that had come out of my XXXX. The tips I put on each of the rides were on there twice and I expected it for it to even itself out because the duplicate charges were no longer in PayPal or for XXXX only in my XXXX  account and when I called to try and get these charges dropped off or find out whats going on cause I had put the money in there to unfreeze the account, but it never even out so all of these charges and XXXX about {$80.00} out right now maybe XXXX And all of these charges were charged XXXX times and as XXXX trying to tell them this, they were rude and dismissive condescending so they were gon na do XXXX XXXX XXXX XXXX XXXXay investigation for an unauthorized charge like I was filing a dispute and all I was telling them is that they Had a billing error on their end and they refuse to look at it or help me or do anything about it and they have done this before this is not the first time and I thought it was the other company but now XXXX realizing its XXXX. It seems like there XXXX be some shady practice going on over there so when they freeze your account what happens they dont give you an itemized list of the charges that they covered, they just put account recovery payment and they dont tell you they dont show where you were XXXX and what they covered and I thought it was fish XXXX time before, but I didnt have time to really look at it but this time it was too much money for me to ignore

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Dear LVNV Funding, This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX XXXX XXXX XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following XXXX, I will require at least XXXX days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within XXXX days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Sincerely, XXXX XXXX CEASE AND DESIST I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: NC

Complaint narrative:
I am sending to follow up on my previous dispute regarding the reporting of inaccurate and unverifiable accounts on my credit file, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). As a consumer, I am protected under FCRA 604 ( a ), 607 ( b ), 611, and 623 ( a ) ( 1 ) ( A ), which require that all information furnished to consumer reporting agencies be accurate, verified, and reported only for a permissible purpose. 

The following accounts remain in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this XXXX expedited follow-up complaint to formally dispute multiple credit inquiries appearing on my consumer credit report without my authorization or knowledge. After reviewing my report, I identified numerous inquiries made by entities with whom I have no active accounts, applications, or permissible business relationships. These include, but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquiries were not initiated XXXX authorized by me and violate FCRA XXXX ( a ) ( 15 U.S.C. 1681b ( a ) ), which limits the furnishing of consumer reports to permissible purposes only, such as a credit application initiated by the consumer or other legally authorized uses. Additionally, FCRA 604 ( f ) ( 15 U.S.C. 1681b ( f ) ) prohibits obtaining a consumer report without a legally valid reason. Unauthorized access also violates FCRA 619 ( 15 U.S.C. 1681q ), which criminalizes obtaining consumer information under false pretenses.Under FCRA 611 ( 15 U.S.C. 1681i ), I am entitled to a reasonable reinvestigation of any disputed information. If any inquiry can not be verified as authorized or legitimate, it must be permanently removed from my credit file. Furthermore, FCRA 607 ( b ) requires credit reporting agencies to maintain maximum possible accuracy, and failure to remove unauthorized inquiries constitutes ongoing inaccuracy and misrepresentation of my credit history.

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 2025-10-28 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: NY

Complaint narrative:
I tried to contact the companies they said someome was on my account i never authorized and they said they couldn't do anything about it seems like fraud to me

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 2025-10-28 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: TX

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I previously submitted a written dispute to BANK OF AMERICA dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. 
Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), BANK OF AMERICA has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since BANK OF AMERICA did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure BANK OF AMERICA XXXX immediate compliance with FCRA requirements. BANK OF AMERICA 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 2025-10-28 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: MA

Complaint narrative:
I am sending to formally dispute several items listed on my credit report that I believe are inaccurate, unverifiable, or improperly reported. These discrepancies misrepresent my credit history and have negatively affected my creditworthiness.Pursuant to the Fair Credit Reporting Act ( FCRA ), I respectfully request a full reinvestigation of the items listed below and prompt correction or removal of any data found to be inaccurate or unverifiable. 
. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Date OpenedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Date OpenedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Date OpenedXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$160.00} Date OpenedXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$110.00} Date Opened:XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$170.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$720.00} Date OpenedXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$270.00} Date OpenedXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$150.00} Date OpenedXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$95.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$98.00} Date OpenedXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$100.00} Date OpenedXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$110.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$81.00} Date Opened:XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$130.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$87.00} Date Opened:XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$130.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$760.00} Date OpenedXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$760.00} Date OpenedXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: MA

Complaint narrative:
I am sending to formally dispute several items listed on my credit report that I believe are inaccurate, unverifiable, or improperly reported. These discrepancies misrepresent my credit history and have negatively affected my creditworthiness.Pursuant to the Fair Credit Reporting Act ( FCRA ), I respectfully request a full reinvestigation of the items listed below and prompt correction or removal of any data found to be inaccurate or unverifiable. 
. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Date OpenedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Date OpenedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Date OpenedXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$160.00} Date OpenedXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$110.00} Date Opened:XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$170.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$720.00} Date OpenedXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$270.00} Date OpenedXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$150.00} Date OpenedXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$95.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$98.00} Date OpenedXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$100.00} Date OpenedXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$110.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$81.00} Date Opened:XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$130.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$87.00} Date Opened:XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$130.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$760.00} Date OpenedXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$760.00} Date OpenedXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
I am submitting this 3rd follow-up complaint regarding multiple entries on my credit report that appear to have been accessed or listed without my authorization or any legally permissible purpose. Despite my previous disputes, these accounts remain on my report, continuing to harm my creditworthiness and misrepresent my true financial standing.

This complaint is submitted pursuant to FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), which clearly states that consumer reporting agencies may not furnish consumer reports to any entity that does not have a permissible purpose. Upon review, I have identified the following entries as unauthorized or impermissibly accessed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$32000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Additional accounts as listed in previous correspondence attached ) FCRA 604 ( f ) ( 15 U.S.C. 1681b ( f ) ) : No consumer report may be furnished without a permissible purpose.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Agencies must maintain reasonable procedures to ensure maximum possible accuracy, including verifying the legal basis for access.

FCRA 609 ( a ) ( 15 U.S.C. 1681g ) : I am entitled to disclosure of sources and permissible purpose for each entry.

FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) : Any disputed item must be reinvestigated and corrected or removed if unverifiable, within 30 days.

FCRA 616617 ( 15 U.S.C. 1681no ) : Willful or negligent furnishing of information without permissible purpose creates civil liability.

These accounts were accessed or reported without authorization, and no documentation verifying a permissible purpose has been provided. The continued reporting of these items violates my rights under federal law and materially harms my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
THIS ACCOUNT IS FRAUDULENTLY ASSOCIATED WITH MY FILE

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