vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint to dispute the following items on my credit report with Experian. I believe these entries are either incorrect or incomplete and should be investigated further. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX : XX/XX/XXXX Balance : {$400.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX : XX/XX/XXXX Balance : {$820.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$350.00XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXXC Account Number : XXXX Date XXXX XXXX XX/XX/XXXX Balance : {$16000.00} XXXX XXXX XXXX  Account Number : XXXX Date XXXX XXXX XX/XX/XXXX Balance : {$380.00} Late Payments : XXXX XXXX XXXX  Account Number : 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 2025-11-11 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: MN

Complaint narrative:
CREDIT BUREAUS ADVISED THAT A CHARGE OFF STATUS WAS GOUNG TO BE REMOVED BY XXXX XXXX. I NEED THIS CORRECTED WITH ALL CREDIT BUREAUS IMMEDIATELY!!! 

I was told by XXXXXXXX XXXX XXXX XXXXXXXX that my account was accidently Charged Off for a {$50.00} balance that was never owed. However, XXXX XXXX  has ruined my credit by reporting me as a Charge Off anyway. I always have perfect credit and need this corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U. S. Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: Paypal Holdings, Inc
State: HI

Complaint narrative:
I am filing a complaint against PayPal regarding an unauthorized cryptocurrency transaction on my account that was mishandled and closed in favor of the seller, despite clear evidence that I did not authorize or initiate the payment. 

On XX/XX/year>, I reported an unauthorized cryptocurrency transaction from my PayPal account totaling {$2000.00}. The funds were converted into cryptocurrency and sent to a party I do not recognize and did not approve. 

I immediately filed a dispute through PayPals Resolution Center and fully cooperated with their investigation. My XXXX ID is XXXX. 

Despite my clear explanation that the crypto transfer was unauthorized and the fact that cryptocurrency transactions are irreversible once sent PayPal closed the case on XX/XX/year>, in favor of the seller, without providing a proper explanation or refund. 

This decision is unacceptable, as PayPal failed to protect my account from unauthorized access and did not take appropriate measures for such a high-value crypto transaction. Since reporting the issue, I have contacted PayPal multiple times for clarification or escalation, but their responses have been dismissive and unhelpful. 

PayPals handling of this matter has caused significant financial loss and stress. Their decision to close the case without fully investigating or acknowledging the unauthorized nature of the crypto transfer demonstrates a failure in both customer protection and transaction security.

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

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CA

Complaint narrative:
I take full responsibility for the missed payment and sincerely apologize for the oversight. This payment delay was not intentional and occurred due to medical emergency. Since then, I have made every effort to ensure all payments are made on time, and my account has remained in good standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-11-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following items on my Equifax credit report. These accounts have inaccuracies and I request a thorough review of the reported information. 

Charged-Off Accounts : XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} Inquiries : XXXX XXXX XXXX - Date : XX/XX/XXXXXXXX XXXX - Date : XX/XX/XXXXXXXX XXXX  - Date : XX/XX/XXXX Late Payments : XXXX - Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
Im asking for help because Ive tried several times to fix a clear error Equifax is reporting about my XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and Im not getting a fair resolution. I first disputed this on XX/XX/XXXX, and Ive followed up since then, but the problem remains : Equifax keeps showing a charge-off over and over again every month from XX/XX/XXXX through XX/XX/XXXX, as if I were being charged off repeatedly. Thats not how a charge-off works, and it makes my credit look much worse than it should. Ive provided my information and asked Equifax to do a real review within the 30-day window the law allows, and either verify the account correctly or fix/delete what cant be verified. Instead, I keep getting a verified response without any meaningful explanation, while the same repeated charge-off entries stay on my report. Its now been more than 70 days since my first dispute and this is hurting my credit and my ability to move forward financially. Im not looking for anything specialjust a fair reinvestigation and an accurate report. Im asking the CFPB to require Equifax to ( 1 ) conduct a proper reinvestigation, ( 2 ) remove the repeated monthly charge-off reporting and correct the payment history, or delete the information if they cant verify it, and ( 3 ) provide me a clear explanation of how they verified the data. Thank you for helping ensure my credit report is accurate and fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which is a violation of FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : 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 non-monetary relief
Consumer complaint received 2025-11-11 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am reporting repeated and unlawful re-insertion of fraudulent collection accounts after a documented data breach compromised my personal information. 

Following the breach, multiple collection agencies began reporting the same XXXX XXXX XXXX XXXX accounts under different names and account numbers, causing duplicate tradelines and a credit score drop of nearly XXXX points overnight. 

Despite my previous disputes and an official police identity-theft report ( XXXX XXXX Police Department Report XXXX XXXX ), the credit bureaus continue to allow these accounts to reappear, violating their duty under the Fair Credit Reporting Act ( FCRA ). 


XXXX XXXX XXXX XXXX XXXX XXXX ( original creditor ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each of these companies has reported or attempted to collect on the same alleged debts, changing balances and account identifiers to bypass prior deletions. This constitutes debt recycling and false furnishing of information under the FCRA and FDCPA. 


FCRA Violations XXXX. 605B ( 15 U.S.C. 1681c-2 ) Failure to block identity-theft-related accounts within XXXX business days of receiving a valid police report. 
XXXX. 611 ( a ) ( 5 ) ( B ) Re-insertion of previously deleted accounts without required written notice within XXXX business days. 
XXXX. 611 ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation of disputed data. 
XXXX. 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate or unverifiable information after notice of dispute. 


Impact on Me My credit score dropped nearly XXXX points overnight due to duplicate collection tradelines. 
Ive experienced repeated credit denials and emotional XXXX. 
Ive had to spend months disputing the same false data caused by the data breach, even after law enforcement documentation confirmed the fraud. 


Supporting Evidence XXXX XXXX Police Report XXXX XXXXXXXX ( Identity Theft / Data Breach Fraud ) Screenshots showing duplicate XXXX XXXX XXXX tradelines ( {$10000.00} and {$580.00} ). 
Prior dispute confirmations and reinsertion without written notice. 
Letters from XXXX, XXXX, XXXX, and XXXX showing conflicting balances and ownership claims. 
Documentation of XXXX score drop overnight on TransUnion via 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 2025-11-11 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: Absolute Resolutions Corp.
State: SC

Complaint narrative:
I am reporting repeated and unlawful re-insertion of fraudulent collection accounts after a documented data breach compromised my personal information. 

Following the breach, multiple collection agencies began reporting the same XXXX XXXX XXXX XXXX accounts under different names and account numbers, causing duplicate tradelines and a credit score drop of nearly XXXX points overnight. 

Despite my previous disputes and an official police identity-theft report ( XXXX XXXX Police Department Report XXXX XXXX ), the credit bureaus continue to allow these accounts to reappear, violating their duty under the Fair Credit Reporting Act ( FCRA ). 


XXXX XXXX XXXX XXXX XXXX XXXX ( original creditor ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Absolute Resolutions Investments LLC XXXX XXXX XXXX XXXX XXXX XXXX Each of these companies has reported or attempted to collect on the same alleged debts, changing balances and account identifiers to bypass prior deletions. This constitutes debt recycling and false furnishing of information under the FCRA and FDCPA. 


FCRA Violations 1. 605B ( 15 U.S.C. 1681c-2 ) Failure to block identity-theft-related accounts within four business days of receiving a valid police report. 
2. 611 ( a ) ( 5 ) ( B ) Re-insertion of previously deleted accounts without required written notice within five business days. 
3. 611 ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation of disputed data. 
4. 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate or unverifiable information after notice of dispute. 


Impact on Me My credit score dropped nearly XXXX points overnight due to duplicate collection tradelines. 
Ive experienced repeated credit denials and emotional distress. 
Ive had to spend months disputing the same false data caused by the data breach, even after law enforcement documentation confirmed the fraud. 


Supporting Evidence XXXX XXXX Police Report # XXXX ( Identity Theft / Data Breach Fraud ) Screenshots showing duplicate Absolute Resolutions Investments tradelines ( {$10000.00} and {$580.00} ). 
Prior dispute confirmations and reinsertion without written notice. 
Letters from XXXX, XXXX, XXXX, and XXXX showing conflicting balances and ownership claims. 
Documentation of XXXX score drop overnight on XXXX  via XXXX XXXX .

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

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: GA

Complaint narrative:
Bull City Financial Solutions placed a collection account on my XXXX report without providing any validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). I was never given a written validation notice or a chance to dispute the debt as required under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This agency is using false, misleading, and deceptive means to collect a debt and has no authority to furnish information to any credit bureau without providing all required disclosures. 

Bull City Financial Solutions is violating 12 CFR 1006.34 ( b ) ( 5 ), 1006.34 ( c ) ( 4 ) ( i ), 1006.34 ( d ), and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). I dispute owing any and all debts to this company. I am requesting full debt validation, a copy of the purchase or assignment agreement between them and the original creditor, and proof that they are licensed and bonded. 

I am also revoking all permission for Bull City Financial Solutions to contact me by phone, text, or email. They may only communicate by mail. I request the CFPB to investigate these violations, have this tradeline deleted from all credit bureaus, and ensure the company complies with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank took {$450.00} dollars fromy account they credited some of those transactions but the didn't honor the rest of them I ask them why would they credit some but not all of them since I didn't do it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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 writing to dispute the following charged-off accounts that are incorrectly reported on my credit report. I request that these accounts be reviewed and corrected, as they do not reflect accurate or complete information. 

Charged Off Accounts : XXXXXXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$1800.00} Inquiries : No inquiries to dispute. 

Late Payments : XXXX XXXX Account Number : XXXXXXXX XXXX, Account Number : XXXX Thank you for your prompt attention to this matter.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This late payment mark is incorrect and does not align with my actual payment history. I have been diligent in making timely payments, and I request an update to ensure accuracy in my records.

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 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one credit card was charged almost {$400.00} by some shoe company. Soon as I saw the charge that I did not recognize, Ive never done business with this company. I disputed it. Capital One promptly sent me a new card and then sent me a letter, denying my case, saying they found insufficient evidence of fraud. 

This is not possible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Bloomingdales/CBNA citibank there reporting on XXXX XXXX XXXX  I never opened an account with them i believe its fraud identity theft or mistaken identity. I would like it removed/deleted its affecting my credit score and financial goals. Ive tried to dispute multiple times they keep leaving it there. Account says opened XXXX XXXX XXXX XXXX XXXX XXXX credit limit XXXX closed. I call the number on the report it says macys im confused. that number reporting is 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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

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