vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: MD

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Cr

edit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : 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 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 non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am disputing the inaccurate and inconsistent personal information reported on my credit file. The following variations and addresses have been reported, which are incorrect or outdated : Name Variations Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses Reported : XXXX XXXX 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 XXXXXXXX Correct Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This incorrect information can negatively impact my credit report and creditworthiness. Enclosed is a copy of my government-issued ID showing my correct legal name.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am disputing the inaccurate and inconsistent personal information reported on my credit file. The following variations and addresses have been reported, which are incorrect or outdated : Name Variations Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses Reported : XXXX XXXX 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 XXXXXXXX Correct Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This incorrect information can negatively impact my credit report and creditworthiness. Enclosed is a copy of my government-issued ID showing my correct legal name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
I am submitting this complaint to dispute numerous inaccuracies, conflicting information, and reporting errors that appear on my credit reports, which misrepresent my payment history, falsely portray delinquency, and materially harm my creditworthiness in direct violation of my rights under the Fair Credit Reporting Act ( FCRA 602 ( a ), 607 ( b ) 15 U.S.C. 1681e ( b ), 609 ( a ) 15 U.S.C. 1681g ( a ), 611 ( a ) 15 U.S.C. 1681i ( a ), 615 ( a ), and 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ). Specifically, the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reported with conflicting late payments across bureaus, including multiple inconsistent entries for XX/XX/XXXX through XX/XX/XXXX, while Equifax and TransUnion show XXXX in late days and balances that do not match my records, creating a false narrative of delinquency. Another account, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appears only on Equifax with inconsistent late payment entries from XX/XX/XXXX through XX/XX/XXXX, failing to match other bureaus ' reports, which violates the FCRAs requirement for maximum possible accuracy under 607 ( b ). The XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is reported with conflicting balances and late payment statuses across Experian, Equifax, and TransUnion, which is misleading and incomplete in violation of FCRA 605 ( a ) and 607 ( b ). Similarly, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account contains inconsistent late payment entries from XXXX through XX/XX/XXXX, and differing balances across bureaus, further demonstrating failures in accurate reporting. Additionally, the XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX account, reported as 30 days late from XXXX to XX/XX/XXXX across all bureaus, exhibits discrepancies in balance and late days. These accounts have not been reasonably reinvestigated under FCRA 611 ( a ), and furnishers have failed to provide accurate and verified data per FCRA 623 ( a ) ( 2 ). The inconsistencies across months, balances, and late days have materially harmed my credit profile, misleading creditors and violating 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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I found several items on my credit report that are inaccurate, fraudulent, or do not belong to me. These accounts and negative marks were reported without my authorization, and I have never opened or agreed to any of the accounts being listed. Some entries show incorrect balances, wrong dates, or payment histories that do not reflect my actual activity. 

When I discovered these issues during a recent review of my credit report, I attempted to resolve the matter by checking for any communication or verification from the companies involved, but none was provided. Because these items are incorrect and damaging to my credit, I am requesting that they be fully investigated and removed as required under the Fair Credit Reporting Act

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 2025-11-20 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: GA

Complaint narrative:
I am submitting this complaint regarding serious inaccuracies on my credit reports with Experian, TransUnion, and XXXX specifically concerning XXXX accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, that are being reported as Late Closed with a balance of {$0.00}. These accounts have been inaccurately labeled as late despite my consistent on-time payments, which is materially misleading to any entity reviewing my creditworthiness. Both Experian and TransUnion have mirrored this erroneous reporting, violating FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain reasonable procedures to ensure maximum accuracy of information. Furthermore, under FCRA 609 ( a ) 15 U.S.C. 1681g ( a ), I have the right to obtain a complete copy of my credit report and review it for errors. After exercising this right, I have identified these discrepancies. Pursuant to FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I am formally disputing the inaccurate reporting of these accounts and demand that the agencies investigate and remove these accounts from my credit reports within the statutory 30-day timeframe. Additionally, FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) requires furnishers like XXXX XXXXXXXX and XXXX to provide accurate information, and their misreporting of these accounts as late closed is a violation of this obligation. I expect their full cooperation in ensuring the complete removal of these accounts from my credit files.

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 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX I am not filing any complaints but want to take responsibility for my past actions towards Wells Fargo and XXXX banks XXXX 

I have in the past participated in fraudulent activities through my bank accounts. I have never faced justice for them. Acted as a XXXX middle man for minimal personal gain. Seems to be the trend. Wrong is wrong even if everyone is aware of it and most are doing it. In all I have gain I believe {$10000.00} from my scheme. For the most part I was protected by the bureau and I need to extend my gratitude to you for your shield. I apologize and ask for forgiveness. 

As a young adult around the wrong crowd you can easily get caught up in a speed chase to nowhere when slow and steady forever wins the race. I am grateful to be in this position with more wisdom and discernment. I am ready to face my actions if necessary. 
If red please evaluate my words and actions towards the law in general. Thank you for being part of my Growth. I can be reached at XXXX for any further questions or concerns about anything in connection to this matter. 

Have a great Thanksgivings ahead.

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 2025-11-20 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: Paypal Holdings, Inc
State: KS

Complaint narrative:
so recently I sign up for a paypal account and noticed after it being limited I contacted you guys thorough chat regarding if I could submit my photo id through the chat which confirmed I could so I did after I sent my photo id I was told that my account was permanently limited which I got an email stating Were unable to offer PayPal services for this account anymore We strive to provide our customers with seamless and user-friendly services. Unfortunately, sometimes were unable to offer services to an account for a variety of reasons, including local laws, our policies, or the policies of our partners. 
Why is this happening? 
After a review, we found unusual activity on this account that we cant support. 
What about funds left in my account? 
Before you can withdraw or transfer any remaining funds from your account, we need to hold them for up to 120 days to cover any financial liabilities. Well review the account periodically to see if we can release any funds sooner. Well email you the outcome of each review. 
What can I do with my account? 
Unfortunately, at this time most of your account features have been deactivated. which doesnt make since just because I had multiple accounts with you guys in the past which was a year ago stating that those past accounts had unusual activity on them which they didnt the last paypal account I had with you guys email associated with that account is XXXX one of the accounts you guys say is unusual activity just because I filed a dispute a that account for a transaction that I didnt authorize which regarded in the dispute getting declined and my account getting permanently limited.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : SBNA # XXXX -- Balance : {$8000.00} - Date Opened : XX/XX/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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: PA

Complaint narrative:
I am writing to formally dispute multiple inaccuracies appearing on my credit reports, which, after careful review, have been identified as misrepresenting my verified financial history, account statuses, and personal credit responsibility. My reports indicate late-closed accounts, including XXXX ending XXXX with a balance of {$0.00} and XXXX XXXX XXXX ending XXXX with a balance of {$2000.00}. All of these accounts were paid in full and closed in accordance with the original agreements. However, they are reported inconsistently, with inaccurate closure dates, balances, or statuses across the three credit bureaus. The misreporting of these accounts creates an erroneous impression that I have outstanding or mishandled obligations, which could negatively impact my ability to obtain credit, secure housing, or participate in financial opportunities. These inaccuracies violate FCRA 623 ( a ) ( 5 ) and 623 ( a ) ( 1 ) ( A ), requiring furnishers to report accurate dates, balances, and account statuses, and I request immediate reinvestigation and correction with all verified information reflected consistently across Experian, Equifax, and TransUnion. 
Additionally, multiple charge-off accounts are reported with misleading balances, omitted information, or conflicting bureau representation. XXXX ending XXXX, XXXX ending XXXX, and XXXX ending XXXX were deleted from Equifax but still appear inaccurately elsewhere XXXX creating a fragmented credit picture. XXXX ending XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ending XXXX, XXXX ending XXXX, are reported inconsistently in balance or account status. Some accounts, such as XXXX XXXX balances, are missing entirely in Experian and TransUnion, further misrepresenting my payment history and creating the false appearance of unaddressed debt. These errors suggest delinquencies or mismanagement that do not exist, which constitutes false, misleading, and unfair reporting under FDCPA 807, 808, and 809. I request that each charge-off account be verified with the original creditor, and all balances, status information, and dates of last activity be updated accurately across all three bureaus to reflect my true financial history. 
Furthermore, several collection accounts appear with inaccurate balances or incomplete reporting, which further distorts my credit profile. XXXX XXXX ending XXXX shows a balance of {$740.00}, XXXX shows {$520.00}, XXXX shows {$1300.00}, XXXX shows {$12000.00}, XXXX shows {$680.00}, XXXX shows {$2800.00}, and XXXX shows {$7800.00}. Additionally, XXXX XXXX XXXX ending XXXX shows {$300.00}, while XXXX XXXX XXXX ending XXXX with {$300.00} is not reported in Equifax or TransUnion, and XXXX XXXX XXXX ending XXXX shows {$580.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
I am writing to formally dispute multiple inaccuracies appearing on my credit reports, which, after careful review, have been identified as misrepresenting my verified financial history, account statuses, and personal credit responsibility. My reports indicate late-closed accounts, including XXXX ending XXXX with a balance of {$0.00} and XXXX XXXX XXXX ending XXXX with a balance of {$2000.00}. All of these accounts were paid in full and closed in accordance with the original agreements. However, they are reported inconsistently, with inaccurate closure dates, balances, or statuses across the three credit bureaus. The misreporting of these accounts creates an erroneous impression that I have outstanding or mishandled obligations, which could negatively impact my ability to obtain credit, secure housing, or participate in financial opportunities. These inaccuracies violate FCRA 623 ( a ) ( 5 ) and 623 ( a ) ( 1 ) ( A ), requiring furnishers to report accurate dates, balances, and account statuses, and I request immediate reinvestigation and correction with all verified information reflected consistently across Experian, Equifax, and TransUnion. 
Additionally, multiple charge-off accounts are reported with misleading balances, omitted information, or conflicting bureau representation. XXXX ending XXXX, XXXX ending XXXX, and XXXX ending XXXX were deleted from Equifax but still appear inaccurately elsewhere XXXX creating a fragmented credit picture. XXXX ending XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ending XXXX, XXXX ending XXXX, are reported inconsistently in balance or account status. Some accounts, such as XXXX XXXX balances, are missing entirely in Experian and TransUnion, further misrepresenting my payment history and creating the false appearance of unaddressed debt. These errors suggest delinquencies or mismanagement that do not exist, which constitutes false, misleading, and unfair reporting under FDCPA 807, 808, and 809. I request that each charge-off account be verified with the original creditor, and all balances, status information, and dates of last activity be updated accurately across all three bureaus to reflect my true financial history. 
Furthermore, several collection accounts appear with inaccurate balances or incomplete reporting, which further distorts my credit profile. XXXX XXXX ending XXXX shows a balance of {$740.00}, XXXX shows {$520.00}, XXXX shows {$1300.00}, XXXX shows {$12000.00}, XXXX shows {$680.00}, XXXX shows {$2800.00}, and XXXX shows {$7800.00}. Additionally, XXXX XXXX XXXX ending XXXX shows {$300.00}, while XXXX XXXX XXXX ending XXXX with {$300.00} is not reported in Equifax or TransUnion, and XXXX XXXX XXXX ending XXXX shows {$580.00}.

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 2025-11-20 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
I am filing once again to demand the immediate and permanent removal of an inaccurate and unverifiable charge-off reported on my TransUnion credit report, specifically XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$820.00}, which continues to appear despite my previous five removal requests. This persistent reporting is misleading, unverifiable, and directly violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2, and FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] due to the absence of a 1099-C for debts over {$600.00}. The continued presence of this account on my credit report misrepresents my credit history and causes significant harm, including undue stress, potential denial of credit, increased interest rates, and overall negative impact on my financial opportunities. Despite my prior five removal requests, the account remains inaccurately listed, demonstrating repeated noncompliance with federal credit reporting requirements and a failure to remove unverifiable information as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief