vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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 a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Eastern Revenue, Inc.
State: PA

Complaint narrative:
I recently disputed multiple inaccurate and incomplete accounts on my XXXX credit report in writing, citing my rights under the Fair Credit Reporting Act ( FCRA ) 1681i and 1681e ( b ). I specifically requested a reasonable reinvestigation and the Method of Verification under 1681i ( a ) ( 6 ) ( B ) ( iii ).

Experian and certain furnishers failed to provide admissible evidence that the accounts were accurate. Instead, they verified the accounts without supplying proof, despite my documented disputes and requests for validation. In some cases, the accounts show inconsistent dates of first delinquency, contradictory statuses ( e.g., charge-off and purchased by another lender ), and possible re-aging, which are clear violations of the FCRA.

For the collection accounts, the debt collectors failed to provide proper validation under the Fair Debt Collection Practices Act ( FDCPA ) 1692g ( b ), yet continued to report the debts to XXXX This is prohibited conduct. 

I am requesting that the CFPB investigate these violations, ensure all unverifiable information is deleted from my credit file, and require the furnishers and XXXX to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: PA

Complaint narrative:
I recently disputed multiple inaccurate and incomplete accounts on my XXXX credit report in writing, citing my rights under the Fair Credit Reporting Act ( FCRA ) 1681i and 1681e ( b ). I specifically requested a reasonable reinvestigation and the Method of Verification under 1681i ( a ) ( 6 ) ( B ) ( iii ).

Experian and certain furnishers failed to provide admissible evidence that the accounts were accurate. Instead, they verified the accounts without supplying proof, despite my documented disputes and requests for validation. In some cases, the accounts show inconsistent dates of first delinquency, contradictory statuses ( e.g., charge-off and purchased by another lender ), and possible re-aging, which are clear violations of the FCRA. 

For the collection accounts, the debt collectors failed to provide proper validation under the Fair Debt Collection Practices Act ( FDCPA ) 1692g ( b ), yet continued to report the debts to XXXX This is prohibited conduct. 

I am requesting that the CFPB investigate these violations, ensure all unverifiable information is deleted from my credit file, and require the furnishers and XXXX  to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: MD

Complaint narrative:
From XXXX, while permanently XXXX with {$0.00} income ( per SSA records ), multiple furnishers reported late payments, charge-offs, and collections, despite my inability to maintain financial contracts. I disputed these with all three bureaus and sent goodwill requests, but the inaccurate reporting remains. Some accounts were later paid or settled in good faith yet still show derogatory marks. Several unauthorized hard inquiries appeared in XX/XX/year>. These actions violate FCRA 623 ( a ) ( 1 ) ( A ), FCRA 623 ( a ) ( 5 ), FDCPA 807809, and may violate the ECOA. I request deletion or correction of all inaccurate accounts and inquiries.

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 2025-08-10 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: MD

Complaint narrative:
From XXXX, while permanently XXXX with {$0.00} income ( per SSA records ), multiple furnishers reported late payments, charge-offs, and collections, despite my inability to maintain financial contracts. I disputed these with all three bureaus and sent goodwill requests, but the inaccurate reporting remains. Some accounts were later paid or settled in good faith yet still show derogatory marks. Several unauthorized hard inquiries appeared in XX/XX/year>. These actions violate FCRA 623 ( a ) ( 1 ) ( A ), FCRA 623 ( a ) ( 5 ), FDCPA 807809, and may violate the ECOA. I request deletion or correction of all inaccurate accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor 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 badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian is an entity that must be checked into. I receive several alert thats my credit score has changed and then I click on it and open the app and nothing is updated and nothing has changed. Then when I just look at the app randomly, I see my score went down even though all the messages that are current show all my balances decreased. How does your score decrease when your balances decrease. I am extremely skeptical of this company and they need to be looked into asap.

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 2025-08-10 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-08-10 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: IN

Complaint narrative:
I have disputed these accounts with all three credit reporting agencies several times, and they keep coming back as verified, accurate accounts and they are not. I was finally forced to submit a ftc report to make sure that the credit reporting agencies, as well as the companies involved take the proper steps to remove the accounts from my report until they prove legitimacy all the way around. These accounts as they have been and are currently reporting have caused harm and hardship to me in acquiring the things I need to sustain a good living situation.

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 2025-08-10 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: FL

Complaint narrative:
LexisNexis has been reporting a bankruptcy on my file. I have disputed this information multiple times, stating that it is inaccurate. Each time, instead of conducting a meaningful reinvestigation, they simply respond with the same electronic form letter stating that they have verified the information through XXXX 

XXXX is only a public court records database, and LexisNexis is relying solely on it without confirming the accuracy of the record with the original source the court itself. By doing this, they are not fulfilling their obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation and to verify disputed information directly with the original source. 

Despite my repeated disputes and the details I have provided, LexisNexis continues to respond with the same standard wording and makes no apparent change or correction to my file. This has left me with the same inaccurate record and no meaningful resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: CA

Complaint narrative:
Key Issues & Violations- Contradictory Status Reporting : XXXX consistently reported my account as " current '' for over a year, yet simultaneously sent pastdue emailswith no mailed or phone notices. This illogical contradiction only ended in XXXX, when a sudden 90-day delinquency was reported. Such contradictory data fails FCRAs maximum possible accuracy requirement. The CFPB has outlined that logically inconsistent account statuseslike an account being reported as current while showing past-due communicationsmust be flagged and corrected. This violates FCRA 607 ( b ). 

Failure to Provide Proper Notification : I received no formal delinquency noticesmailed or telephonedand never consented to email-only alerts. Under FCRA, furnishers must notify consumers clearly and timely when negative information is furnished. 

Negligence in Investigation & Enforcement of Rights : Although XXXX corrected the error, Experian and XXXX continue to carry false delinquent marks. FCRA mandates furnishers must conduct a reasonable investigation and update or delete inaccurate information across all CRAs. 

Legal Exposure Under FCRA : Under 15 U.S.C. 1681p, consumers may recover actual and statutory damages, plus attorneys fees. If conduct is willful, punitive damages may also apply. XXXX faces serious legal and financial liability if not promptly correcting these violations. 


Photo Documentation ( Explanation ) : Attached are screenshots from my Experian, XXXX XXXX XXXX reports, each showing my account history. Many entries are marked as paid and current, while one report shows a 90-day delinquency alongside the prior months marked as paid. This inconsistency is clear and highly contradictory. 

Importantly, no delinquency reporting or direct notificationsby letter or phone callwere ever sent to me during all of XXXX. Then, in XXXX, without any prior mailed or verbal notice, XXXX abruptly flagged my account as 90 days delinquent. This sudden, unexplained change is both deceptive and damaging. 

This contradictory reporting has severely harmed my credit and forced me to spend months trying to resolve the matter. It is evident that XXXX  reporting process is flawed, and this must be corrected immediately. 

In addition, I have XXXX XXXX reports ( XXXX XXXX XXXX  data ) confirming the paid status. These independent records further highlight the inaccuracy and inconsistency in XXXX reporting. XXXX XXXX is a reputable, free credit monitoring service that reflects real-time updates from the credit bureaus and does not impact credit scores.

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 2025-08-10 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: CA

Complaint narrative:
Key Issues & Violations- Contradictory Status Reporting : XXXX consistently reported my account as " current '' for over a year, yet simultaneously sent pastdue emailswith no mailed or phone notices. This illogical contradiction only ended in XXXX, when a sudden 90-day delinquency was reported. Such contradictory data fails FCRAs maximum possible accuracy requirement. The CFPB has outlined that logically inconsistent account statuseslike an account being reported as current while showing past-due communicationsmust be flagged and corrected. This violates FCRA 607 ( b ). 

Failure to Provide Proper Notification : I received no formal delinquency noticesmailed or telephonedand never consented to email-only alerts. Under FCRA, furnishers must notify consumers clearly and timely when negative information is furnished. 

Negligence in Investigation & Enforcement of Rights : Although XXXX corrected the error, XXXX  and Equifax continue to carry false delinquent marks. FCRA mandates furnishers must conduct a reasonable investigation and update or delete inaccurate information across all CRAs. 

Legal Exposure Under FCRA : Under 15 U.S.C. 1681p, consumers may recover actual and statutory damages, plus attorneys fees. If conduct is willful, punitive damages may also apply. XXXX faces serious legal and financial liability if not promptly correcting these violations. 


Photo Documentation ( Explanation ) : Attached are screenshots from my XXXX Equifax, and XXXX reports, each showing my account history. Many entries are marked as paid and current, while one report shows a 90-day delinquency alongside the prior months marked as paid. This inconsistency is clear and highly contradictory. 

Importantly, no delinquency reporting or direct notificationsby letter or phone callwere ever sent to me during all of XXXX. Then, in XXXX, without any prior mailed or verbal notice, XXXX abruptly flagged my account as 90 days delinquent. This sudden, unexplained change is both deceptive and damaging. 

This contradictory reporting has severely harmed my credit and forced me to spend months trying to resolve the matter. It is evident that XXXX reporting process is flawed, and this must be corrected immediately. 

In addition, I have XXXX XXXX reports ( XXXX XXXX XXXX  data ) confirming the paid status. These independent records further highlight the inaccuracy and inconsistency in XXXX reporting. XXXX XXXX is a reputable, free credit monitoring service that reflects real-time updates from the credit bureaus and does not impact credit scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
This debt does not belong to me and may be the result of an error or identity theft. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you : Cease all collection activities until you provide complete validation of this debt. 

Provide all supporting documentation, including any signed contract or agreement bearing my signature that proves I am legally responsible for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am a victim of identity theft. I recently discovered that my personal information has been used without my authorization to open fraudulent accounts and apply for services, including IT related services and other financial and accounts that I did not initiate.Upon reviewing my credit reports, I found multiple unauthorized inquiries that I did not recognize. After further investigation, I confirmed that my personal information was exposed in both the Equifax data breach and the XXXX data breach. These incidents released critical data such as my name, Social Security number, and date of birth making me vulnerable to identity theft.To formally address this, I have : Filed an Identity Theft Report with the appropriate law enforcement agency, Notified the credit bureaus of the fraudulent activity, Requested that they block and remove all unauthorized information. 
Despite my efforts, the fraudulent accounts and inquiries remain on my credit report, negatively impacting my credit profile. 
Section 605B ( 15 U.S. Code 1681c2 ) Block of information resulting from identity theft : I have submitted a valid Identity Theft Report, and under this section, the credit reporting agencies are required to block fraudulent information within 4 business days of receiving my request and supporting documentation. Section 611 ( 15 U.S. Code 1681i ) Dispute procedures : I have disputed the inaccurate and unauthorized items on my credit reports. The credit bureaus must conduct a reasonable reinvestigation within 30 days and correct or delete any inaccurate, incomplete, or unverifiable information. Section 602 ( 15 U.S. Code 1681 ) Congressional findings and statement of purpose : The FCRA was enacted to ensure fair and accurate credit reporting and to protect consumers from the misuse of personal information. The continued reporting of fraudulent information violates the spirit and intent of the law. 
Attachments : Identity Theft Report ( Filed with FTC ) Government-issued photo ID

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX EMPLOYEES FED - XXXX XXXX  - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
We had an unauthorized or fraudulent transaction on our PayPal account XX/XX/year>2025. We sent a payment of {$1900.00} to what we thought was a trusted business partner in XXXX XXXX ( we had done business with them on 5 separate occasions via PayPal ) but it turns out their email was likely compromised and someone impersonated them. 

We were corresponding about an invoice with this partner, and the fraudster inserted themselves into the email thread. The request looked legitimate same email signature, invoice format, and timing so we had no reason to doubt it. We now know that this payment did not go to our actual business partner. 

This appears to be a case of Business Email Compromise. The payment was made under false pretenses, and had we known the real situation, we never would have sent the funds. We'd like to open an investigation and see if a refund or recovery is possible. 

We can provide the original invoice, the email thread, and a statement from our partner confirming the fraud, if that helps your investigation. 

Furthermore, we had spoken to one PayPal manager who stated that this definitely meets the criteria of Fraud, and would be able to recover the money, but when the appeal system provided details, their explanation was a thin argument at best, that our IP address was consistent. That was all the information that was offered for the basis of turning down our appeal process.

Company response to consumer: Closed with explanation