vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: OR

Complaint narrative:
Unauthorized access to my credit report by several companies has directly resulted in harm to both my credit standing and XXXX XXXX. 
I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. 
Unfortunately, that assurance has not been honored, as these inquiries persist on my report. 
This failure to fulfill the commitment is unacceptable. 
The ongoing presence of these potentially fraudulent entries is deeply concerning and strongly indicates possible identity theft. 
This unresolved matter continues to cause significant emotional and financial distress.

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 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Viva Finance Inc.
State: CO

Complaint narrative:
On XX/XX/year>, I paid XXXXXXXX XXXX to a bill-payment service for a BASIC subscription, XXXX installment payments, and an advertised XXXX expedited bill payment service. The payment to the company was successfully processed the same day. 

The company stated that the bill would be reviewed and potentially paid immediately, or within XXXX to XXXX business days at the latest. As of XX/XX/XXXX, the bill in the companys system still showed as scheduled and pending, and there was no indication that any payment had been made to the biller. 

I contacted the companys customer service on XX/XX/XXXX to ask for a status update and received no response. I contacted them again on XX/XX/XXXX and still received no reply. I understand that normal processing can take time, but the company has not responded at all to any inquiries. 

Because I received no communication and the expedited service I paid for was not delivered, I became concerned that the service was not being provided as advertised. I reviewed publicly available complaints and found multiple reports from other customers describing similar issues with lack of communication and bills not being paid. 

At this point, the company has taken payment, has not fulfilled the service, and has not responded to any attempts to resolve the issue. I am seeking assistance in obtaining either confirmation that the bill was paid or a refund for the services that were not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
I am formally disputing the student loan accounts reported under my name due to material changes in federal student loan administration following the XXXX order issued by XXXX XXXX to abolish the XXXX Department of Education. This unprecedented action has created substantial uncertainty regarding the legitimacy, ownership, and enforceability of student loan debts that were previously under the purview of the Department of Education. 
Accounts in Dispute XXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are legally required to report only accurate and verifiable information. Given the federal dissolution of the agency responsible for these loans, the chain of custody, legal authority, and servicing legitimacy of these accounts are in question. There is no verified entity authorized to validate, collect, or report these debts. 
# # # Legal Basis for XXXX Deletion : XXXX. Lack of XXXX XXXX With the dissolution of the Department of Education, there is no legally valid entity that can verify the accuracy, ownership, or collection rights of these loans. 
XXXX. XXXX XXXX in XXXX XXXX The entity responsible for these loans no longer exists, rendering past reporting structures invalid. 
XXXX. Potential Violations of the FCRA XXXX unverifiable debts is a direct violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

I am demanding the immediate deletion of these accounts from my credit report. If these accounts are not removed, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiate legal proceedings as necessary to enforce my rights under federal 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 non-monetary relief
Consumer complaint received 2025-12-08 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:
I am formally disputing the student loan accounts reported under my name due to material changes in federal student loan administration following the XXXX order issued by XXXX XXXX to abolish the XXXX Department of Education. This unprecedented action has created substantial uncertainty regarding the legitimacy, ownership, and enforceability of student loan debts that were previously under the purview of the Department of Education. 
Accounts in Dispute : XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are legally required to report only accurate and verifiable information. Given the federal dissolution of the agency responsible for these loans, the chain of custody, legal authority, and servicing legitimacy of these accounts are in question. There is no verified entity authorized to validate, collect, or report these debts. 
# # # Legal Basis for XXXX Deletion : XXXX. Lack of Credible Verification With the dissolution of the Department of Education, there is no legally valid entity that can verify the accuracy, ownership, or collection rights of these loans.

2. Material Change in Federal Oversight The entity responsible for these loans no longer exists, rendering past reporting structures invalid. 
3. Potential Violations of the FCRA Reporting unverifiable debts is a direct violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 
I am demanding the immediate deletion of these accounts from my credit report. If these accounts are not removed, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiate legal proceedings as necessary to enforce my rights under federal 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 2025-12-08 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:
I am formally disputing the student loan accounts reported under my name due to material changes in federal student loan administration following the XXXX order issued by XXXX XXXX to abolish the XXXX Department of Education. This unprecedented action has created substantial uncertainty regarding the legitimacy, ownership, and enforceability of student loan debts that were previously under the purview of the Department of Education. 
Accounts in Dispute : XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are legally required to report only accurate and verifiable information. Given the federal dissolution of the agency responsible for these loans, the chain of custody, legal authority, and servicing legitimacy of these accounts are in question. There is no verified entity authorized to validate, collect, or report these debts. 
# # # Legal Basis for XXXX Deletion : XXXX. Lack of XXXX XXXX With the dissolution of the Department of Education, there is no legally valid entity that can verify the accuracy, ownership, or collection rights of these loans. 
XXXX. XXXX XXXX in XXXX XXXX The entity responsible for these loans no longer exists, rendering past reporting structures invalid. 
XXXX. Potential Violations of the FCRA XXXX unverifiable debts is a direct violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 
I am demanding the immediate deletion of these accounts from my credit report. If these accounts are not removed, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiate legal proceedings as necessary to enforce my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NJ

Complaint narrative:
I am writing to express my deep concern regarding the disputed accounts currently appearing on my credit report. I have raised these inaccuracies multiple times and consistently requested thorough investigations. However, despite my continued efforts, I have not received a resolution or seen any meaningful progress. These erroneous accounts are having a serious impact on my credit standing and are creating significant barriers in my everyday life. The consequences of these reporting errors have caused ongoing hardship, and I am left with no alternative but to urgently seek your assistance in resolving this matter. I respectfully request a comprehensive investigation into each disputed account and that immediate corrective action be taken to update my credit report accordingly. Restoring the accuracy of my credit file is essential to regaining control over my financial future. I urge you to treat this matter with the highest priority and take swift, decisive action. Thank you for your prompt attention and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: GA

Complaint narrative:
Both the bureau and furnishers are in violation of XXXX XXXX. XXXX ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-12-08 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: FL

Complaint narrative:
I am filing this formal complaint against the credit reporting agencies ( Equifax, Experian, and TransUnion ) and the listed furnishers for reporting inaccurate, unverifiable, and misleading information on my consumer report. Despite my repeated disputes, these errors continue to cause ongoing harm and violate my rights under the Fair Credit Reporting Act ( FCRA ). 

Below are the items that must be thoroughly investigated and corrected immediately : XXXX. Wrong / Fraudulent Addresses Reported The following addresses do not belong to me, and I have no association or residency history with them. These must be removed as they indicate potential identity theft or mixed-file issues : XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX Address These addresses are inaccurate, harmful, and violate FCRA 604 & 607 ( b ). I request their immediate deletion. 

XXXX. XXXX XXXX XXXX XXXXXXXX ( Account # XXXX ) Charge Off * Date Opened : XX/XX/XXXX Reported Balance : {$9200.00} Status : Charge Off I have no knowledge of this account and never authorized or opened it. This furnisher has failed to provide any documentation proving this account belongs to me. 
Under FCRA XXXX & XXXX, an account that can not be verified must be deleted. 
I am requesting its complete removal from all reports. 

XXXX. XXXX XXXX ( Account # XXXX ) Late Payment * * Date Opened : XX/XX/XXXX Balance Owed : {$430.00} Status : Late Payment The reported late payment is 100 % inaccurate. I have never made a late payment on this account, and the furnisher has not produced valid proof to support this negative status. 
This violates FCRA XXXX ( b ) ( " maximum possible accuracy '' ). 
I request that the inaccurate late payment history be corrected immediately. 

XXXX. XXXX Hard Inquiry Date : XX/XX/XXXX Nature : Hard Inquiry I did not authorize this inquiry. 
An unauthorized inquiry is a direct violation of FCRA 604, as no permissible purpose exists. 
Please remove this unauthorized and fraudulent inquiry immediately. 

Requested Action by CFPB I request that the CFPB require the listed furnishers and credit bureaus to : Conduct a full and lawful investigation as required under FCRA 611. 

Provide proof of verification including signed applications, contracts, or original documents. 

Delete all unverifiable, inaccurate, and fraudulent information listed above. 

Provide me with updated credit reports reflecting these corrections. 

These reporting errors are causing significant harm to my creditworthiness, financial opportunities, and personal security. I am requesting CFPB enforcement to ensure my consumer rights are protected. 

Thank you for your attention to this matter. I look forward to your prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: VA

Complaint narrative:
I am filing a complaint because multiple hard inquiries were added to my transunion credit report without my permission. These inquiries were made by banks on different dates, but I never authorized them to pull my credit report that many times. I provided permission for only XXXX credit check Capital XXXX bank XX/XX/year> XXXXXXXX XXXX ( Home shopping ) XXXX XXXX XXXX ( BANK ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Bank ) XXXX XXXXXXXX XXXX XX/XX/year> XXXXXXXX XXXX ( bank ) XX/XX/year> I contacted transunion and disputed the inquiries, but transunion verified them without providing any proof of my authorization or any documentation from the companies that pulled my credit. Transunion did not follow proper FCRA procedures and did not obtain written authorization showing that I approved these inquiries. 

These inquiries are harming my credit score and were not authorized by me. I am requesting CFPB assistance because transUnion failed to correct the issue.

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 2025-12-08 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: DC

Complaint narrative:
There is fraudulent collection account from the company XXXX XXXX XXXX on my credit report. This is not my debt. See attached. Please remove this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint is not a mistake. Multiple accounts on my credit report are inaccurate and fail to meet the maximum possible accuracy required by the FCRA ( 15 U.S.C. 1681e ( b ) ). These erroneous entries are materially misrepresenting my financial history, damaging my creditworthiness, and causing ongoing emotional and financial hardship. I take my credit seriously, and these persistent inaccuracies are creating tangible negative consequences during an already difficult time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC XXXXg, I request their deletion withinXX/XX/XXXX days. Relevant supporting documentation is enclosed.

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 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
XX/XX/year> I went on XXXX to purchase a pot set and used XXXX email thru PayPal to purchase and the payment was immediately blocked by PayPal and XXXX canceled my order ; the funds are still pending to this day and PayPal doesn't have an explanation. 

I have purchased the pot set with another card and the set was delivered. 

I have called XXXX and they said they immediately released the funds and PayPal is saying that's not true the merchant is still holding the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-12-08 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please delete these fraudulent accounts, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX PA XXXXTransUnion Consumer Solutions\nXXXX XXXX XXXX  PA XXXXSubject: Dispute of Inaccurate Information on My Credit Report\n\nDear TransUnion,\n\nI am writing to dispute the following inaccurate information on my credit report, which I found during a recent review of my report from TransUnion. This dispute is being submitted pursuant to my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, which mandates the reporting of accurate information by credit reporting agencies and furnishers of credit data.\n\nDisputed Account Details:\n\nXXXX 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 XXXXThis account is inaccurately reported. I am attaching supporting documentation to prove that the information is incorrect, including:\n\n-\tCopy of ID\n-\tSSN\n-\tProof of Address\n\nAccording to the FCRA, you are required to investigate my dispute within 30 days of receiving this letter. I also remind you that under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692, debt collectors and creditors must report accurate information and correct or delete incorrect data promptly.\n\nRequest for Action:\n1. Remove or Correct the Inaccurate Account: Please delete or correct this inaccurate information from my credit report across all relevant credit bureaus.\n2. Provide a Written Response: I expect a written acknowledgment of your receipt of this dispute within five (5) business days, and a final resolution within the legally mandated timeframe.\n3. Notify the Bureaus: If you determine that the account was reported incorrectly, please inform all three credit bureaus so they can update my report accordingly.\n\nFailure to comply with these federal laws may result in a complaint to the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and the State Attorney Generals Office.\n\nLegal Notice:\n\nPlease be advised that this letter serves as formal notice that I reserve my rights under all applicable federal and state consumer protection laws. If further inaccuracies or noncompliance are identified, I may pursue additional actions.\n\nThank you for your prompt attention to this matter. Please send any responses or updates to 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