vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 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: IL

Complaint narrative:
A transaction on XX/XX/scrub>/2025 of {$63.00}, from a purchase I made via PayPal is listed and cleared. PayPal claims they didn't receive the funds and put my account in the negative. I've been calling since XX/XX/scrub>/2025 and everyone gives me a different story. I've been given nothing but the runaround with each agent I talk to. They said if I added the funds, that would fix it. Nope. Now I have {$63.00} twice charged to my bank account. All I'm asking is for them to put my account to XXXX and I'm good. Can't get help from any of their staff. Honestly I understand system glitches can happen but they've been horrible and completely rude and unhelpful about the situation. I'm considering PayPal alternatives. I definitely encourage others to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-01 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Relations XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX Date : XX/XX/XXXX To Whom It May Concern, I am submitting this formal dispute of several inaccurate and unverifiable items currently appearing on my TransUnion credit file. As you are aware, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 requires that consumer reporting agencies maintain only accurate and verifiable information. Any item that can not be fully verified with proper documentation must be deleted.

The following accounts are being disputed : 1. XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Reported as Paid in Full but also listed as Charge-Off. This is contradictory, misleading, and factually inaccurate. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Reported as a Collection for {$110.00}. No verifiable proof of the debt, assignment, or balance has been provided. 
XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Reported as a Collection for {$530.00}. This debt is unverifiable without original contract, billing history, and proof of legal assignment. 

Legal Basis for Deletion : FCRA 1681e ( b ) : Requires maximum possible accuracy in consumer reporting.

FCRA 1681i ( a ) : Mandates reinvestigation and deletion of unverifiable or inaccurate information.

FDCPA 809 ( b ), 15 U.S.C. 1692g ( b ) : Requires debt collectors to provide full validation of alleged debts before reporting or collecting.

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 2025-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
b'this is a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Citi XXXX  XXXX and most importantly a Civil Rights complaint against aformentioned services.\nThe services and merchandise occurred between XXXX and XXXX. There was an earlier purchase but I don\'t have the dates. \nSo, over a XXXX  to XXXX  year period I purchased and returned 3 prs of hearing aids with many visits made to correct defects and all this time, my hearing was very poor and I felt very anxious, depressed and isolated-very much alone. iN HINDSIGHT, THIS IS WHAT XXXX  INTENDED. i AM XXXX  YEARS OLD AND EDUCATED, altho my typing says otherwise. Each visit and "correction" produced no improvement as one appointment led to another fix and on and on for probably XXXX  years, with my health deteriorating more and more.\nAs for Citi XXXX, I tried to file a complaint for a XXXX sevice and got an error message\nstating that the Mosa date of sevice was too old to process. I\'ve contacted citi in the past and was sent through an endless loop of departments. \nMosa is a fraudulent company with a captive audience of unaware seniors. Best, XXXX  I need to add that the current management seems to be elder fiduciaries as the company should have been all along.'

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 2025-09-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Harpeth Financial Services, LLC
State: KS

Complaint narrative:
My uncle is a XXXX XXXX  and would not leave me alone about giving him money. He also just happens to be my payee. So I had asked him for the bank information to complete for verification after I told him I was getting a loan we had gotten into a really bad argument because he wanted me to give him XXXX of the money I was getting so that way he could use the money on irresponsible things and possibly things that would kill him. So I told him no and he sends me the paperwork that was actually a different bank that he had altered trying to get back at me for not giving him any money. He really messed it up for me because I really needed this loan and it would have helped me. I would have been grateful if I got it. I hope we can come to some sort of resolution because I love that company and I will refer many of my friends if they will just make it right

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XX/XX/XXXXDate : XX/XX/XXXX ACCOUNTS XX/XX/XXXX Account Number : XXXXXX/XX/XXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-01 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: Credit Fresh Holdings Inc
State: WA

Complaint narrative:
The derogatory rating currently on my account has created substantial financial difficulties and emotional stress that continue to affect my daily life. This negative mark has already caused concrete harm by leading to the denial of a recent loan application and triggering increased interest rates on my existing credit accounts, resulting in higher monthly payments and additional financial burden. The ongoing presence of this derogatory information severely limits my access to favorable credit terms and financial opportunities, creating a cycle of financial hardship that impacts my ability to meet my obligations and achieve my financial goals.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: IL

Complaint narrative:
I am submitting this complaint to report violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. by the major credit reporting agencies TransUnion, Experian, and Equifax and certain furnishers of data XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  ). 
I have disputed the following information with the credit bureaus, and the response from each has failed to comply with FCRA procedural requirements, including : Failure to conduct a reasonable reinvestigation under 1681i ( a ) after receiving my disputes, Failure to verify the information using proper documentation as required under 1681s-2 ( b ), Continued reporting of inaccurate or misleading data, in violation of 1681e ( b ). 
Despite my dispute letters and documentation, I received only vague responses like verified as accurate with no explanation of what was verified or how. No supporting documentation, account-level proof, or identity verification was provided, which violates the FCRA 's mandate for reasonable procedures and maximum possible accuracy.

Details by Bureau : TransUnion Is reporting a bankruptcy record allegedly that XXXX pulled from XXXX without verifying identity or legal accuracy. 
These accounts continue to show derogatory statuses despite the lack of verified documentation. 
Experian Is reporting XXXX XXXX, XXXX, and XXXX  accounts with inaccurate late payments. 
No verification documents were provided in response to my disputes, and Experian continues to report the same tradelines despite my request for procedural evidence. 
Equifax Is reporting a XXXX account with both late payments and a charge-off status, despite no verification of this reporting. 
Equifax has not provided evidence of a reasonable reinvestigation or source documentation.

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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I submitted my first complaint on XX/XX/year>, explaining the issues I found on my credit report that I believe were inaccurate or unfair. I requested verification and documentation from the original creditor to support the disputed accounts. The company responded on XX/XX/year>, which was past the 30-day investigation deadline, but did not provide the requested proof or proper verification of the accounts. I am still disputing the accuracy of these items and requesting proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: NJ

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-09-01 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXX/XX/XXXX Date Opened : XX/XX/year>, Balance : {$1500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: MA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: MD

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: NY

Complaint narrative:
I am requesting a thorough investigation into several negative accounts that are appearing on my credit reports. There are multiple inaccuracies, and I need each of these accounts to be properly verified. If the accounts can not be fully verified, I am asking that they be deleted immediately. These errors are affecting my credit standing, and I would like this matter resolved as quickly as possible.

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 2025-09-01 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: IL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-09-01 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: IL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
Several companies appear on My report of services I never used or signed up for and never went including XXXX  XXXX  etc Or arrangements to close a account And the company did not keep to agreement etc

Company response to consumer: Closed with explanation