vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
Pay-Pal Inc & XXXX XXXX  are affiliate Companies in that when Charges are made thru Pay-Pal they in turn send it to XXXX XXXX  so Payments XXXX XXXX extended for longer time periods. Buy Now pay later plans. 
I paid Pay Pal Off in XXXX to complete my Years of using them in a Buy Now Pay later plan. Towards the end of XXXX and into XXXX Some Hacker got into My XXXX account XXXX XXXX and started charging Airline tickets to XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX and XXXX  all airlines ticket places. 
I contacted paypal and let them know these ticket charges were not my charges. They redirected me to XXXX XXXX Fraud Dept, whom I explained these charges to and told them they were not my charges and what the amounts were each and every time a new airline ticket showed up. When the tickets showed up it was 3 at a time with the charges These charges ended up in over {$5000.00} and was all fraud by hackers. XXXX XXXX  made the credit and review and has come up with {$0.00} balance on the Fraud. 
Paypal has come back and said I owe a - {$230.00} for the same thing and want me to pay back this $ XXXX I have not received any Funds from PayPal or XXXX XXXX in which to return any $ $ to anyone. Fraud charges are not my responsibility according to XXXX XXXX  and paypal policy therefor creating a negative balance from reversal of fraud account is also Not my responsibility especially when No $ $ were given to me personally. Paypal is telling me they will turn it into collection if it is not paid back??? How does One get that taken care of when NO FUNDS have been given to me in any form of payment. One gal said that it was returned to my bank -- My bank shows {$0.00} so that statement is not true. I do not feel I have to pay back $ $ for clerical error due to Fraud charges not made by me. I did NOT give account access to anyone to make these charges and did not speak to any Flight service to make these charges, I have no plans of traveling anyplace least of ALL out of the country as that is where these tickets were for. Paypal reviewed that part. Now they have created a negative balance from the Fraud and want me to pay for the negative balance of {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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 the victim of identity theft and inaccurate reporting. I have filed an FTC Identity Theft Report ( Report No. XXXX ) and mailed a suppression/dispute package to Experian with supporting documentation. Despite this, Experian continues to report fraudulent and duplicate accounts. 
The following tradelines must be permanently blocked and deleted under FCRA 605B ( 15 U.S.C. 1681c-2 ) and corrected under 611 and 607 ( b ) : XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX ( # XXXX ) XXXX ( # XXXX ) XXXX XXXX XXXX ( # XXXX reported XXXX  times ) XXXX XXXX ( # XXXX reported XXXX  times ) These accounts are fraudulent, duplicated, or inaccurately reported. Some have been reinserted without proper notice, violating 611 ( a ) ( 5 ) ( B I am the victim of identity theft and inaccurate reporting. I have filed an FTC Identity Theft Report ( Report No. XXXX ) and mailed a suppression/dispute package to Equifax with supporting documentation. Despite this, Equifax continues to report fraudulent and duplicate accounts. 



The following tradelines must be permanently blocked and deleted under FCRA XXXX5B ( 15 U.S.C. 1681c-2 ) XXXX XXXX XXXX ( # XXXX ) XXXX  XXXX XXXX XXXX XXXX XXXX, # XXXX, # XXXX ) XXXX ( # XXXX and # XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX ( # XXXX ) These accounts are fraudulent, duplicated, or inaccurately reported. 

I am the victim of identity theft and inaccurate reporting. I have filed an FTC Identity Theft Report ( Report No. XXXX ) and mailed a suppression/dispute package to TransUnion with supporting documentation. Despite this, TransUnion continues to report fraudulent and duplicate accounts. 



The following tradelines must be permanently blocked and deleted under FCRA 605B ( 15 U.S.C. 1681c-2 ) : 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 ) These accounts are fraudulent, duplicated, or inaccurately reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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:
I am the victim of identity theft and inaccurate reporting. I have filed an FTC Identity Theft Report ( Report No. XXXX ) and mailed a suppression/dispute package to Experian with supporting documentation. Despite this, Experian continues to report fraudulent and duplicate accounts. 
The following tradelines must be permanently blocked and deleted under FCRA 605B ( 15 U.S.C. 1681c-2 ) and corrected under 611 and 607 ( b ) : XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX ( # XXXX ) XXXX ( # XXXX ) XXXX XXXX XXXX ( # XXXX reported XXXX  times ) XXXX XXXX ( # XXXX reported XXXX  times ) These accounts are fraudulent, duplicated, or inaccurately reported. Some have been reinserted without proper notice, violating 611 ( a ) ( 5 ) ( B I am the victim of identity theft and inaccurate reporting. I have filed an FTC Identity Theft Report ( Report No. XXXX ) and mailed a suppression/dispute package to Equifax with supporting documentation. Despite this, Equifax continues to report fraudulent and duplicate accounts. 



The following tradelines must be permanently blocked and deleted under FCRA XXXX5B ( 15 U.S.C. 1681c-2 ) XXXX XXXX XXXX ( # XXXX ) XXXX  XXXX XXXX XXXX XXXX XXXX, # XXXX, # XXXX ) XXXX ( # XXXX and # XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX ( # XXXX ) These accounts are fraudulent, duplicated, or inaccurately reported. 

I am the victim of identity theft and inaccurate reporting. I have filed an FTC Identity Theft Report ( Report No. XXXX ) and mailed a suppression/dispute package to TransUnion with supporting documentation. Despite this, TransUnion continues to report fraudulent and duplicate accounts. 



The following tradelines must be permanently blocked and deleted under FCRA 605B ( 15 U.S.C. 1681c-2 ) : 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 ) These accounts are fraudulent, duplicated, or inaccurately reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX XXXXs to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX XXXXs to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: NY

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: NY

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: MD

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 XXXX 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 non-monetary relief
Consumer complaint received 2025-09-22 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 disputing multiple accounts on my Experian credit report that I did not open. These accounts appear to be fraudulently opened in my name. I submitted disputes directly to Experian, but they responded that the accounts were verified as accurate, even though I have never opened or authorized these accounts. 

The accounts and corresponding dispute report numbers are : 1. XXXX XXXX XXXX XXXX ( Dispute Report : XXXX ) 2. XXXX XXXX XXXX XXXX ( Dispute Report : XXXX ) 3. XXXX XXXX XXXX XXXX ( Dispute Report : XXXX ) 4. XXXX XXXX XXXX XXXX ( Dispute Report : XXXX ) Experians responses indicate that the accounts were verified as accurate and some unrelated information was updated, but the fraudulent accounts themselves remain on my credit report. 

I am a victim of identity theft, and these accounts are not mine. I have not opened, authorized, or received any services from these companies. I request that Experian conduct a reasonable reinvestigation, remove these fraudulent accounts from my credit report, and provide me with an updated credit report reflecting the corrections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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:
I am disputing multiple accounts on my Experian credit report that I did not open. These accounts appear to be fraudulently opened in my name. I submitted disputes directly to Experian, but they responded that the accounts were verified as accurate, even though I have never opened or authorized these accounts. 

The accounts and corresponding dispute report numbers are : 1. XXXX XXXX XXXX XXXX ( Dispute Report : XXXX ) 2. XXXX XXXX XXXX XXXX ( Dispute Report : XXXX ) 3. XXXX XXXX XXXX XXXX ( Dispute Report : XXXX ) 4. XXXX XXXX XXXX XXXX ( Dispute Report : XXXX ) Experians responses indicate that the accounts were verified as accurate and some unrelated information was updated, but the fraudulent accounts themselves remain on my credit report. 

I am a victim of identity theft, and these accounts are not mine. I have not opened, authorized, or received any services from these companies. I request that Experian conduct a reasonable reinvestigation, remove these fraudulent accounts from my credit report, and provide me with an updated credit report reflecting the corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: PA

Complaint narrative:
i am submitting a complaint regarding inaccurate late payment reporting by XXXX. Federal law requires creditors to notify consumers of late payments at least 21 days before the billing due date. My payments that were due on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. was reported late without proper notice. I have contacted the creditor and disputed with the credit reporting agencies, but the issue remains unresolved. Please find attached my dispute letters and supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: PA

Complaint narrative:
i am submitting a complaint regarding inaccurate late payment reporting by XXXX. Federal law requires creditors to notify consumers of late payments at least 21 days before the billing due date. My payments that were due on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. was reported late without proper notice. I have contacted the creditor and disputed with the credit reporting agencies, but the issue remains unresolved. Please find attached my dispute letters and supporting documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief