vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: NY

Complaint narrative:
I am submitting this fifth formal removal request to Experian, Equifax, and TransUnion regarding multiple inaccurate, misleading, and legally unverifiable items that continue to appear on my consumer credit reports despite prior disputes. These items have caused ongoing harm to my credit profile and reflect repeated failures to comply with federal consumer protection laws governing accuracy, verification, and permissible reporting. 
First, you are reporting the late-closed account XXXX XXXX XXXX XXXX XXXX XXXX  with a balance owed of {$2900.00} on Experian, even though this account has not been properly verified following my prior disputes. In addition, XXXX XXXX XXXX XXXX XXXX continues to be reported on Experian with a {$0.00} balance, yet the presence of this account with prior late information remains misleading and unsupported by lawful verification. The continued reporting of these items violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) for failure to conduct a reasonable reinvestigation, FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for reporting information that is inaccurate or misleading, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) for failure to ensure maximum possible accuracy. 
You are also reporting XXXX XXXX XXXXXXXX XXXX as a charged-off account with a {$0.00} balance on Experian, Equifax, and TransUnion. Despite multiple disputes, no lawful documentation has been produced to validate the charge-off status or justify the continued reporting of this account. The ongoing inclusion of this account violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and FCRA 623 ( a ) ( 1 ) ( A ), and further violates 15 U.S.C. 605B / 15 U.S.C. 1681c-2, as unverifiable and inaccurate information is being maintained on my credit file. 
Additionally, XXXX XXXX, reporting as a collection agency for Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX with a balance of {$5800.00} on TransUnion, has failed to provide proper validation of this alleged debt. The continued reporting of this collection account violates FDCPA 807 15 U.S.C. 1692e for false or misleading representations and FDCPA 809 15 U.S.C. 1692g for failure to provide proper debt validation, as well as 15 U.S.C. 605B / 15 U.S.C. 1681c-2, since the debt remains unverified and disputed.

Finally, my credit report continues to reflect unauthorized and impermissible inquiries, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, both reporting on Experian. I did not provide permissible purpose or authorization for these inquiries, and their continued reporting violates FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ).

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 2025-12-22 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: SC

Complaint narrative:
I am submitting to follow up on my previous complaint submitted under my rights as outlined in the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). As previously stated, I have identified multiple inaccuracies, unauthorized entries, and unverifiable accounts on my credit report, all of which are significantly impacting my creditworthiness. Additionally, I am concerned that some of these issues may be the result of a mixed file or have originated due to the exposure of my data in various national data breaches. 
XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$62.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$2300.00} Date Opened:XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Furthermore, I request that I be provided with written results of the reinvestigation, including copies of all documentation used to verify the disputed items, as required by federal law. I also expect prompt action under the FCRA and FDCPA to remove any false or misleading collection activity from my credit file, as outlined in FDCPA 807-809.Thank you for your attention to this matter. I trust that the CFPB will ensure my rights are upheld and that my credit report is corrected as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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 writing to formally file a complaint against XXXX XXXX regarding inaccurate credit reporting that I believe violates my rights under the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act. 

During the COVID-19 pandemic, I entered into a payment accommodation/forbearance with one or more of my creditors as permitted under the CARES Act. At the time the accommodation was granted, my account ( s ) were current. Under Section 4021 of the CARES Act, furnishers of credit information are required to report accounts as current if they were current before the accommodation and remain in accommodation. 

Despite this protection, XXXX  has reported late payments on my consumer credit report for the period during which my account ( s ) were covered by a COVID-19 related accommodation. This reporting is inaccurate, misleading, and inconsistent with federal law. 

I have disputed this information with XXXX, yet the inaccurate late payment reporting has remained on my credit file. As a result, I have suffered harm to my credit profile, including negative impacts on my credit score and financial opportunities. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and require XXXX  to : 1. Correct or remove any late payment notations reported during the CARES Act accommodation period.

2, Ensure compliance with the CARES Act and the Fair Credit Reporting Act ( FCRA ).

3. Provide written confirmation that my credit report has been accurately updated. 

Thank you for your time and assistance in this matter. I appreciate your efforts to protect consumers and enforce federal consumer financial laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: PA

Complaint narrative:
I disputed inaccurate and unverifiable information on my credit report under the Fair Credit Reporting Act. The credit bureau responded that the information was verified, but failed to explain the method of verification or provide documentation. This does not meet FCRA requirements. I am requesting deletion of the unverifiable accounts. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: PA

Complaint narrative:
I disputed inaccurate and unverifiable information on my credit report under the Fair Credit Reporting Act. The credit bureau responded that the information was verified, but failed to explain the method of verification or provide documentation. This does not meet FCRA requirements. I am requesting deletion of the unverifiable accounts. 

XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-12-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
On XX/XX/year> PayPal asked me to provide information for items I had sold personally on XXXX. They asked for a picture of my ID, tracking numbers and asked if I owned a business. They said if I did own a business to please describe it to them and asked if I had a manufacturer. I explained on their form that I do own a business and provided my website and explained I owned a boutique and I get my items imported. I also sell on XXXX and XXXX. Any items I sell on XXXX are from my own children 's wardrobe. I have a state tax number and a federal tax ID number. I provided all tracking numbers and all information that was requested. They told me it could be up to XXXX business days before I would hear of a resolution. The following day XX/XX/year> they let me know that my account was permanently deactivated because I didn't follow their terms of service. I read through them many times and I didn't break any of their rules. I tried to call multiple times and was sold a supervisor would return my call. I never received a call back. I called again and finally got someone on the phone to talk to and all they told me was that they couldn't provide a reason for this and there was no way for a resolution. They are withholding the amount in my account for up to XXXX  days. I have never had a dispute filed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 


XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: NY

Complaint narrative:
I am submitting this correspondence as a formal and comprehensive request for reinvestigation regarding the accuracy, completeness, and characterization of several accounts currently reporting on my credit file. I routinely monitor my credit reports to ensure that all information being furnished reflects a complete, fair, and accurate representation of my financial history. During my most recent review, I identified several accounts that are reporting late payment indicators in a manner that does not fully or properly reflect the true status, resolution, or performance of these accounts under their respective agreements. 
Below, I am providing additional context and detail for each account requiring correction. I am requesting that each be updated to accurately reflect paid as agreed consistent with the actual nature of the accounts. 
XXXX XXXX XXXX Balance : {$1000.00} Late XXXX days XX/XX/year> XXXX XXXX Balance : {$1900.00} XXXX XXXX SERVICES XXXX Balance : {$0.00} AFFIRM XXXX XXXX XXXX : {$0.00} AFFIRM XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} The Fair Credit Reporting Act ( FCRA ) was enacted to protect consumers by requiring credit reporting agencies to maintain maximum possible accuracy. Under FCRA XXXX ( XXXX XXXX. XXXX ), Additionally, FCRA XXXX ( a ) ( XXXX ) imposes a continuing duty on furnishers to correct and update information that is determined to be inaccurate or incomplete, while FCRA XXXX ( b ) requires furnishers to conduct a reasonable investigation once a dispute is received. The billing protections outlined in XXXX U.S.C. XXXX and XXXX further support the correction of account-related inaccuracies and the proper handling of account status during review.

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 2025-12-22 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: MD

Complaint narrative:
To Whom It May Concern : No third-party company is involved so please dont respond with a stall letter or a generic reply.

This dispute is coming from me, the actual consumer, and it needs to be handled seriously and according to the law.

I am writing to demand the immediate deletion of fraudulent accounts and inquiries that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts and inquiries is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Legal Framework Violated : 15 USC 1681b ( c ) Furnishing Reports Without Consumer Authorization As per the statute, consumer reporting agencies are prohibited from furnishing records of inquiries connected to credit or insurance transactions that I, the consumer, did not initiate. The following inquiries must be removed from my report without delay : 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of two years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing.

15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within four business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies.

Fraudulent Accounts : 1. XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account 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 explanation
Consumer complaint received 2025-12-22 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: GA

Complaint narrative:
I am submitting this complaint because my credit history contains multiple inaccuracies and unverifiable information that misrepresent my financial standing. Specifically, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX reports a {$0.00} balance alongside a Chapter XXXX bankruptcy that was discharged with a filing date of XX/XX/year> and reported on XX/XX/year> ( Reference # : XXXX XXXX XXXX, yet subsequent reporting from various entities appears inconsistent. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX report activity or balances that do not reconcile with the discharged bankruptcy and raise questions about the accuracy and verification of these accounts. The conflicting information makes it impossible to confirm the validity of each entry, resulting in misleading and incomplete reporting that impacts my financial credibility. I am requesting a thorough review of all accounts and related bankruptcy information to ensure that all records are accurate, complete, and verifiable.

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 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I requested Coinbase to temporarily lock my account for security reasons. 
I am now attempting to reopen it but can not access any effective support. 
On XX/XX/year> and XX/XX/year>, phone support routed me in continuous loops without resolution, and chat sessions were repeatedly terminated. 
The internal complaint process is also inaccessible. 
I request CFPB assistance to require Coinbase to provide a working escalation path and restore access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: AL

Complaint narrative:
I Recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report ; they are hurting my ability to obtain credit

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 2025-12-22 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: CA

Complaint narrative:
Dear CFPB : I'm writing to bring to your attention a collection activity reported by XXXX XXXX to Transunion that is not my debt that I have no responsibility for and did not receive a service from XXXX XXXX. 

The account or debt is not mine and can not be reported on my credit report. I will be grateful if Transunion will delete this information from my credit report.

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 2025-12-22 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: NY

Complaint narrative:
I am submitting this fifth formal removal request to Experian, Equifax, and TransUnion regarding multiple inaccurate, misleading, and legally unverifiable items that continue to appear on my consumer credit reports despite prior disputes. These items have caused ongoing harm to my credit profile and reflect repeated failures to comply with federal consumer protection laws governing accuracy, verification, and permissible reporting. 
First, you are reporting the late-closed account XXXX XXXX XXXX XXXX XXXX XXXX  with a balance owed of {$2900.00} on Experian, even though this account has not been properly verified following my prior disputes. In addition, XXXX XXXX XXXX XXXX XXXX continues to be reported on Experian with a {$0.00} balance, yet the presence of this account with prior late information remains misleading and unsupported by lawful verification. The continued reporting of these items violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) for failure to conduct a reasonable reinvestigation, FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for reporting information that is inaccurate or misleading, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) for failure to ensure maximum possible accuracy. 
You are also reporting XXXX XXXX XXXXXXXX XXXX as a charged-off account with a {$0.00} balance on Experian, Equifax, and TransUnion. Despite multiple disputes, no lawful documentation has been produced to validate the charge-off status or justify the continued reporting of this account. The ongoing inclusion of this account violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and FCRA 623 ( a ) ( 1 ) ( A ), and further violates 15 U.S.C. 605B / 15 U.S.C. 1681c-2, as unverifiable and inaccurate information is being maintained on my credit file. 
Additionally, XXXX XXXX, reporting as a collection agency for Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX with a balance of {$5800.00} on TransUnion, has failed to provide proper validation of this alleged debt. The continued reporting of this collection account violates FDCPA 807 15 U.S.C. 1692e for false or misleading representations and FDCPA 809 15 U.S.C. 1692g for failure to provide proper debt validation, as well as 15 U.S.C. 605B / 15 U.S.C. 1681c-2, since the debt remains unverified and disputed.

Finally, my credit report continues to reflect unauthorized and impermissible inquiries, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, both reporting on Experian. I did not provide permissible purpose or authorization for these inquiries, and their continued reporting violates FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ).

Company response to consumer: Closed with non-monetary relief