vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 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: CA

Complaint narrative:
I am an Equifax XXXX XXXX consumer, and I am filing this complaint because inaccurate and unverifiable information continues to be reported on my credit file despite multiple formal disputes. The furnishers and credit reporting agencies have failed to comply with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. 

Specifically, the following accounts are being willfully and inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX Both accounts contain false, misleading, and unverifiable data, including contradictory reporting across bureaus, inconsistent payment histories, and incorrect derogatory statuses. Despite several disputes and requests for validation, the furnishers have continued to report this information without providing any proper verification or evidentiary documentation. 

Additionally, my credit file contains incorrect personal information, including wrong names, addresses, and dates of birth, which I have repeatedly demanded be deleted. These errors violate my consumer rights and raise serious concerns about data integrity and identity contamination especially given that my personal information was compromised during the Equifax XXXX XXXX. 

This pattern of noncompliance and disregard for FCRA obligations demonstrates negligence and willful misconduct by both the furnishers and the reporting agencies. Their continued furnishing of unverifiable data is causing ongoing harm to my creditworthiness, financial opportunities, and reputation.

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 2025-10-07 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: TX

Complaint narrative:
FCRA 604, 609, 611 ; XXXX XXXX ( XXXX XXXX XXXX. XXXX et seq. ) ; 15 USC 1681 ( s ) -2 ; 15 USC 1681e ( b ) ; 15 USC 1681i ( 5 ) ( a ) ; 15 USC 1681i ( 7 ) Victim of XXXX  Data Breach ( Case No. XXXX ) ; XXXX  XXXX & XXXX XXXX  15 U.S.C . 1681s-2 ( b ) & 15 U.S.C. 1681e ( b ) I, XXXX XXXX, a XXXX  XXXX, has been impacted by XXXX  XXXX and other data breaches and declare under penalty of perjury ( 28 U.S.C. 1746 ) that the following is true and correct II. Identity Theft and Fraudulent Reporting a. All of the erroeneous derogatory information listed below were without my authorization, consent, or signature, either electronic or wet-ink and is erroneous, inaccurate. 

b. The data breaches exposed my Social Security number, enabling repeated fraudulent activity and causing significant harm to my credit files. 

I write as a documented victim of identity theft arising from both the XXXX  and XXXX XXXX  data breaches. Your agency continues to furnish and report demonstrably fraudulent trades lines.Without my authorization, the following fraudulently information is on my credit file. I have never provided any permission for access to my credit files, nor applied for these loans and for accounts to be established in my name. 

Experian Information Solutions XXXX is illegally reporting these XXXX INACCURATE XXXX  accounts : XXXX. XXXX XXXX XXXX # XXXX Bal $ XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX/ # XXXX $ XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX # XXXX : $ XXXX XX/XX/XXXX XXXX. XXXX XXXX # XXXX Bal : $ XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX. XXXX Bal : $ XXXX Opened : XX/XX/XXXX CRITICAL FACTS I. XXXX XXXX : XXXX ( 6 plus years of frivolous accounts ) II. All Balances : Inflated with unverifiable interest calculations III. Documentation Status : ZERO original documents exist IV. Creditor Status : CAN NOT verify any of these account VIOLATION 1 : 15 U.S.C. 1681e ( b ) - REASONABLE PROCEDURES Experian Plc. FAILED to maintain reasonable procedures by : a ) Reporting 5 accounts WITHOUT any supporting documentation b ) Continuing to report DISPUTED information without verification c ) Using AUTOMATED systems without human oversight d ) IGNORING obvious data integrity failures VIOLATION 2 : 15 U.S.C. 1681i - INVESTIGATION PROCEDURES Experian XXXX dispute investigations are FRAUDULENT : a ) Form letter responses claiming verified WITHOUT investigation b ) PREDETERMINED outcomes regardless of dispute legitimacy c ) REFUSAL to delete unverifiable accounts 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 explanation
Consumer complaint received 2025-10-07 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: FL

Complaint narrative:
Subject : Request for Deletion of Account and Outdated Addresses To Whom It May Concern, I am writing to formally request the deletion of the following account from my XXXX  credit file, along with any outdated addresses associated with it : Account Details : Company : XXXX XXXX XXXX Account Number ( Partial ) : XXXX Status : Deleted per CFPB Case # XXXX Per the CFPB confirmation dated XX/XX/year>, this account has been agreed to be deleted from the credit bureaus. Therefore, it must be removed from my file in full. 

Additionally, I request the removal of all previous addresses, names, or other identifying information associated with this account. My current and only correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please confirm in writing once these updates and deletions have been completed. 

Sincerely, 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 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I settled my Bank of America credit card after a verbal pay-for-delete promise made by a Bank of America representative before I paid. I was explicitly told that if I settled the account, the negative tradeline would be removed from my credit reports. Relying on that promise, I completed the settlement. 

Despite this, the account is now reported as Paid in settlement with a write-off, harming my credit. My Experian report shows : Bank of America XXXX updated XX/XX/XXXX Paid in settlement. {$1600.00} written off. On record until XX/XX/XXXX. 

This representation induced my payment and is misleading/unfair. Im requesting that Bank of America ( 1 ) honor the pay-for-delete agreement and request deletion with the CRAs, or ( 2 ) provide the call recording or internal notes documenting the settlement terms that contradict the promise.

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 2025-10-07 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: DE

Complaint narrative:
I am filing an updated complaint regarding a judgment from XXXX XXXX  handled by XXXX XXXX XXXX. I have new evidence that the law firms service of papers was improper and that XXXX continues to inaccurately report the debt, causing ongoing harm to my credit and housing opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: OK

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-10-07 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: OK

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-10-07 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: GA

Complaint narrative:
As per 15usc 1611 XXXX XXXX  and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any 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 clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-10-07 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: MD

Complaint narrative:
As per 15usc 1611 Experian XXXX XXXX XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc Better Business Bureau. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

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 2025-10-07 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

Complaint narrative:
I am a long-time PayPal user with a fully verified personal account. On XX/XX/XXXX, PayPal permanently limited my account without identifying any violation of their Acceptable Use Policy. I have always complied with every review request over the years, and the same documents that were previously accepted were suddenly rejected this time without explanation.

I use PayPal for legitimate purposes only, mainly to receive and send payments related to my online work and personal transactions. I do not sell restricted products or engage in any prohibited activities.

When I called PayPal support after receiving the limitation notice, I was told the decision was final, and there was no appeal process available. They could not provide a specific reason, transaction, or policy section that I allegedly violated.

This situation is causing me financial harm because I can not access my balance, continue my work, or resolve the issue directly with PayPal. All I am asking is for a proper review of my account, a clear explanation of what triggered this action, and either restoration of my account or the release of my funds according to their policies.

I am located outside the U.S., which makes it difficult to resolve this matter through normal channels. I am requesting XXXX  assistance to help facilitate communication with PayPal so my case can be reviewed fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST MERCHANTS CORPORATION
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX, First Merchants Bank assessed about {$800.00} in overdraft fees while I repeatedly sought help. I made numerous calls ( e.g., XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX ) and branch visits ( XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Online banking/phone transfers werent working ; the website was down XXXX before a flight. The branch XXXX was unavailable or canceled meetings, and on XX/XX/XXXX a main-office rep told me not to visit the branch. I asked the bank to stop posting items that would create overdrafts and to help transfer funds ; fees continued. I was told I couldnt close my account unless I paid the disputed fees and that my record would be notified if I left. I dispute these fees and request a full reversal and the ability to close my accounts without penalty. Documentation attached ( call logs, appointment timeline, outage evidence ).

Company response to consumer: Closed with explanation