vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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:
This complaint is a follow-up to the dispute letter already sent to Equifax on XX/XX/year>. That letter challenged XXXX XXXX  XXXX accounts that should not be reporting at all : XXXX XXXX XXXX  XXXX Acct # XXXX XXXX  XXXX Acct # XXXX These accounts were supposed to be removed under a previous agreement, yet they are still showing on the Equifax credit file with information that is clearly inaccurate and inconsistent. The dispute letter explained the errors in detail, including incorrect dates, balances, account statuses, and Metro-2 reporting issues. It also pointed out that these XXXX accounts are reporting differently across the different credit bureaus, which is a major red flag that the data isnt reliable. 

Equifax was asked to provide proper verificationsuch as a copy of the original signed application, a full and itemized payment history, proof that they have a permissible purpose to report the accounts, and documentation like a Form 1099-C if the accounts were charged off. None of that has been provided. No meaningful investigation was done. The accounts remain unchanged even though the information is unverified. 

Under the Fair Credit Reporting Act, anything thats inaccurate, incomplete, or cant be verified is supposed to be deleted. Instead, the accounts are still being reported, and the situation is continuing to hurt credit scores, cause denials for better terms, and create ongoing stress trying to fix something that should have been removed already.

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 2025-11-25 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: GA

Complaint narrative:
This complaint is a follow-up to the dispute letter already sent to Equifax on XX/XX/year>. That letter challenged XXXX XXXX  XXXX accounts that should not be reporting at all : XXXX XXXX XXXX  XXXX Acct # XXXX XXXX  XXXX Acct # XXXX These accounts were supposed to be removed under a previous agreement, yet they are still showing on the Equifax credit file with information that is clearly inaccurate and inconsistent. The dispute letter explained the errors in detail, including incorrect dates, balances, account statuses, and Metro-2 reporting issues. It also pointed out that these XXXX accounts are reporting differently across the different credit bureaus, which is a major red flag that the data isnt reliable. 

Equifax was asked to provide proper verificationsuch as a copy of the original signed application, a full and itemized payment history, proof that they have a permissible purpose to report the accounts, and documentation like a Form 1099-C if the accounts were charged off. None of that has been provided. No meaningful investigation was done. The accounts remain unchanged even though the information is unverified. 

Under the Fair Credit Reporting Act, anything thats inaccurate, incomplete, or cant be verified is supposed to be deleted. Instead, the accounts are still being reported, and the situation is continuing to hurt credit scores, cause denials for better terms, and create ongoing stress trying to fix something that should have been removed already.

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 2025-11-25 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 am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: VA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXXXXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-11-25 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: CA

Complaint narrative:
This account does not belong to me and is being reported inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
I am submitting this complaint because my credit file continues to report unauthorized and inaccurate information that I did not open, authorize, or consent to, and that I timely disputed. 
I have supporting documentation, including an FTC report ( Report/Confirmation : XXXX, dated XX/XX/XXXX ). 
Despite this documentation and repeated disputes, the credit file still reflects the following disputed items that must be blocked/deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This reflects noncompliance with the FCRAs requirements to conduct a reasonable reinvestigation ( 15 U.S.C. 1681i ) and to block/delete fraudulent/unverifiable information upon receipt of an FTC report ( 15 U.S.C. 1681c-2 / FCRA 605B ).

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 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
They are a 3rd party requesting money i don't owe to them and have failed to provide proof this is my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX 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

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 2025-11-25 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 am disputing inaccurate and unverifiable information appearing on my Equifax credit file under my rights provided by the Fair Credit Reporting Act ( FCRA ). Please investigate the following items for accuracy and completeness. 

Charged-off accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries to review : XXXX XX/XX/XXXX Please verify these items for accuracy and lawful reporting. If any can not be fully verified with documentation from the original creditor, they should be promptly deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: NY

Complaint narrative:
in XXXX my PayPal account was hacked. the hacker added a new email and phone number, and transferred {$200.00} from my linked bank to a crypto account. i immediately contacted PayPal, the representative advised me to reverse the transaction. unfortunately, this resulted in funds being sent to the hackers debit/credit card. Meanwhile, i was able to recover the {$200.00} from my bank. now, PayPal is holding me responsible for that amount. i believe the issue arose due to the unauthorized access and the guidance i received from PayPal. I'm seeking assistance to resolve this fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Someone used a variation of my email by adding a. ( period ) into my gmail address to create a paypal account- I was recently hacked and lots of my passwords were stolen and this is one of the things that the scammer/hacker is doing is creating accounts using a variation by adding the. ( period ) into my gmail and i get the emails from this because my email is XXXX and so when they created an account called XXXX i got the emails and i quickly called paypal and i did not confirm it yet i was told that it was confirmed, I am requesting that paypal shut this variation of my account and tell me who it was associated with and what paypal is doing to make sure this doesnt happen again. 
In short i will explain again that when someone has a gmail account- gmail doesnt considers it all the same email no matter where you put a. ( period ) in the username but paypal doesnt and it allowed/allows someone to create an account that is connected to MY email and its UNACCPETABLE and i emailed with paypal and the people responding are just not understanding and fixing this. 
Thanks so much

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: VA

Complaint narrative:
I am submitting this dispute statement with the Consumer Financial Protection Bureau ( CFPB ) in regard to discrepancies in my credit report. After carefully reviewing my credit file, I have identified certain accounts and inquiries that I believe are inaccurately reported or misrepresented. The following accounts and inquiries are in dispute, and I request an immediate investigation to ensure that all inaccuracies are corrected and that my credit report reflects the true status of my credit history. 

Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX started first claim. Talked to a guy in the fraud department .. he clearly stated that my money will be refunded.The next day when I called back I spoke to a lady and she said that my money XXXX  be refunded.I have emails to items were stated declined by the bank but the merchant was still capable and able to draft the money from my account.

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 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
In XX/XX/year>, I paid {$7500.00} through my PayPal balance for an online business coaching program that was advertised as a multi-month service with deliverables extending well beyond XXXX  days. The seller did not deliver the services as promised, failed to build or provide the program I paid for, and later locked me out of the platforms I had paid to access. 

When I questioned the lack of deliverables, the seller sent hostile messages telling me to XXXX XXXX XXXX refused further service, and removed my access completely. I have screenshots showing this behavior, as well as proof that nothing was delivered. 

On XX/XX/year>, I submitted a dispute to PayPal. They denied the case within about XXXX hours and stated that the service was provided, despite my evidence showing the seller refused service and did not provide the program. 

PayPal appears to have relied on an internal XXXX limitation policy, a policy that was not disclosed when I made the transaction and is not appropriate for disputes involving long-term service contracts. This was never communicated to me prior to purchase or during the dispute process. 

I appealed and submitted extensive evidence, including : -Screenshots of the seller refusing service and cutting off access, telling me to XXXX XXXX  and XXXX XXXX  when I asked for what was promised. 
-Proof I was locked out of the website I paid for. 
-Bank statements showing XXXX  months of website hosting fees for a site the seller never built. 
-Proof of paid advertising expenses I invested based on the sellers direction, with no deliverables provided. 
-Screenshots showing no program build-out or service delivery. 
Despite this, PayPal denied the appeal again with the same statement : service was provided. 

There is no indication they reviewed the evidence or the nature of the long-term service agreement. 
I am requesting that PayPal be required to properly review this dispute based on the evidence of non-delivery and refusal of service, rather than relying on an undisclosed internal time-limit policy that prevented a fair evaluation of my case. 

XXXX failure to disclose dispute limitations, combined with the lack of meaningful review, has resulted in significant financial harm and violates reasonable expectations of transparency and fair dispute resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: CT

Complaint narrative:
I am submitting this complaint intentionally and not in error. My credit report contains inaccuracies that lack assurance of maximum accuracy. These errors are causing significant distress and negatively impacting my life in profound ways during challenging times. Correcting or removing them would provide substantial relief.

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 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: OH

Complaint narrative:
on XX/XX/year> I initiated an ACH withdrawal on the crypto.com app for {$1000.00} from my checking account at XXXX to be deposited in my crypto.com account. This method had been set up previously and had been successful on other transactions. XXXX immediately withdrew the funds and posted the transaction. Crypto.com immediately FAILED the deposit and did not credit the funds. I contacted both institutions and they both said that the funds should appear back in my XXXX account within XXXX business days. The funds never came. I filed a dispute with XXXX and they provided a trace number of XXXX. That did not help crypto.com find the money. I then was provided an ID number for transaction from XXXX of XXXX. Still no resolution. I want to find my {$1000.00} Repeatedly crypto.com keeps deferring me back to XXXX and there has been no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please treat this as my official dispute of the accounts noted. I have no association with them and did not authorize their creation. I respectfully request that they be reviewed and removed. Relevant documents are attached.

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