vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: LA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: CA

Complaint narrative:
On XX/XX/year>, EQUIFAX received my formal identity theft blocking request submitted under the Fair Credit Reporting Act ( FCRA ) 605B. This submission was not a standard dispute under 611, but a formal demand for the blocking of fraudulent information resulting from identity theft. My package included all documentation required under 605B ( b ) : A copy of my government-issued ID Proof of current address ( bank statement ) A copy of my Social Security card A completed and signed FTC Identity Theft Report The fraudulent account identified in my credit report is : XXXX Account XXXX. XXXX Date Opened XXXX, EQUIFAX confirmed receipt of my identity theft submission on XX/XX/year>, yet as of today ( well beyond 4 business days ), this fraudulent account remains on my credit report. This is a direct violation of FCRA 605B ( c ) ( 1 ) ( A ), which mandates that consumer reporting agencies must block all information resulting from identity theft within four business days after receiving proper documentation. Furthermore, EQUIFAX continued publication of information that it knows or should know to be false constitutes noncompliance with 623 ( a ) ( 1 ) ( A ), which prohibits furnishers or consumer reporting agencies from reporting information they know to be inaccurate. XXXX failure to implement the required block also enabled continued data furnishing in violation of 623 ( a ) ( 5 ) ( A ), which requires furnishers to properly identify, suppress, and cease reporting accounts that have been confirmed as resulting from identity theft. By not fulfilling its blocking duty under 605B, EQUIFAX effectively allowed furnishers to continue transmitting fraudulent data undermining the legal protections Congress established to safeguard victims of identity theft. As a result, my credit report remains distorted, my credit score is artificially suppressed, and I continue to face unjust denials of credit and reputational harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: QC HOLDINGS INC
State: NV

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated.

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor.

The name, address, and contact information of the original creditor for proper verification.

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 2025-12-15 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
So theres no way to just send a rebuttal to your response which makes absolutely no sense but this is the government so XXXX sending a brand complaint the last time I did this she responded by saying that your previous answer remains the same and that you found in my favor. What if that was the case then why do I have a balance of {$1500.00} when I should have a XXXX balance this was a fraudulent transactions you keep charging me late fees and now youre charging me a paper statement fee. I never asked you to send me paper statements never youre the one that just stop sending them via email. That was your decision not mine so I dont know why you think that you have the right to charge me for paper statements whenever I did not request them I was paperless, but I shouldnt be getting a statement at all at this point considering that you found in my favor and I have a XXXX balance, I didnt use the card all the transaction in the car to fraudulent. Im not gon na stop fighting this until I have a XXXX balance we can go on and on and on and on and on forever for all I care we can go to court, but believe me XXXX show up with all of my documentation. Ive kept everything I wasnt at any of these locations that the transactions were made at I can produce alibis. I have cameras in my house outside my house, cameras everywhere these days I can prove where I was at, and then on top of everything else I was a victim of a crime and you decided to close my account no explanation youve never given me an explanation, why you close my account I was a good customer. Never had any issues until this and now I have a problem and you dont like it that you might be on the hook because you should have a XXXX liability and all of a sudden you close my account like Im a criminal but Im not I think you forget Im the victim I made victim of a crime. Should I repeat that again? I am the victim of a crime you keep forgetting that someone else used my credit card. I should not be responsible for any of these charges, I should have a XXXX balance and I think you should explain yourself. Why are you closed my account? Theres absolutely no reason for you to do that.

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 2025-12-15 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: CA

Complaint narrative:
I am disputing a late payment on my credit report account ( XXXX ) with XXXX XXXX XXXX .I believe this is an error. Under FCRA section 611 ( 15 U.S.C 1681i ), I am entitled to dispute inaccurate information. please investigate and correct this mistake. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: CA

Complaint narrative:
I am disputing a late payment on my credit report account ( XXXX ) with XXXX XXXX XXXX .I believe this is an error. Under FCRA section 611 ( 15 U.S.C 1681i ), I am entitled to dispute inaccurate information. please investigate and correct this mistake. thank you

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 2025-12-15 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: PA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain items listed on my Equifax credit report. After reviewing my credit file, I identified several discrepancies that violate the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute : Personal Information : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/year> SSN : XXXX XXXX XXXX 1. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00} Date Opened : XXXX Discrepancy : This account is marked as " Charged off '' despite inconsistent reporting. This violates FCRA Section 1681e ( b ), which requires accurate and timely reporting of information. 
2. XXXX XXXXccount Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XXXX Discrepancy : The account is reported as " Purchased by another lender, '' which is inaccurate. This violates FCRA Section 1681e ( b ) for accurate reporting of credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: TX

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
On XX/XX/year> I purchased merchandise from a website called XXXX  using PayPal. The items delivered on XX/XX/year> were materially different from what was advertised and depicted. The products I received are not the same products shown in the advertised imagery, description or specifications. This constitutes deceptive advertising and fraudulent merchandise. 
On XX/XX/year> I requested a return shipping label so I could send the items back and receive a full refund. The seller refused and offered only a partial refund if I kept the fraudulent merchandise. I declined. I then opened a dispute with PayPal. 
PayPal denied buyer protection unless I return the merchandise to XXXX at my own cost. The shipping cost ranges from {$50.00} to {$200.00}, and my total purchase amount was {$190.00}. PayPal is requiring international return shipping at the buyers expense even when the merchandise was materially not as described and fraudulently represented. 
PayPal has now closed the dispute because I did not provide tracking, even though I informed them that shipping costs exceed the value of the order. Requiring the consumer to incur international shipping costs in order to receive a refund for fraudulent merchandise is not a fair resolution and undermines consumer protection principles. 
I have filed complaints with the FTC and with the Arizona Attorney Generals Office because the merchandise sold was deceptive, the seller refused to provide a prepaid return label, and PayPal refused to provide appropriate buyer protection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-15 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: NJ

Complaint narrative:
I am submitting this complaint with absolute certainty and significant frustration. My credit report contains multiple accounts with errors that I can no longer ignore, as they have been negatively impacting my credit score and interfering with my ability to achieve financial stability and financial freedom. These inaccuracies have caused ongoing hardship and must be addressed immediately.

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 2025-12-15 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: FL

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 XXXX 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 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 2025-12-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Home Depot credit Citibank credit card has removed the option to allocate portions of your payment to specific promotional balances. Home Depot credit card offers no interest for 6-24 months on most of your purchases. They used to allow the customer to select which promotional balance to pay first in order to meet these promotional deadlines and avoid interest chargers. They have since removed this feature in the middle of me paying off several promotions. I believe this was done intentionally so they can allocate your payment away from you upcoming promotional deadlines and trick you into paying interest. I believe this is a bit of false advertising and deceptive to lock you into a large debt by promoting a no interest plan, but make it very difficult to actually pay off this balance within the allotted timeframe.

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 2025-12-15 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: NY

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: River Heights Capital LLC
State: AL

Complaint narrative:
I have contacted XXXX XXXX XXXX by email and by phone to try and get the loan number and the amount due numerous times but they have not sent me any information on this. I provided them with my contact information and address where to send this. I also provided them with my name and the name of my daughter who purchased the motorcycle. I co-signed with her to buy the motorcycle. I am trying to refinance my home in order to pay this. My refinance will not go through until this is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a consumer actively working to correct and rebuild my credit. I have reviewed my credit reports and found multiple inaccurate, unverifiable, and improperly reported items. I have previously disputed these matters with the credit reporting agencies, yet they remain unresolved. I am requesting the CFPBs assistance to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

Disputed Charged-Off / Derogatory Accounts XXXX  Account XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX Account XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX  Account XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX  XXXX Account XXXX XXXX ( XX/XX/XXXX ) XXXX Account XXXX XXXXXXXX ( XX/XX/XXXX ) BANKRUPTCY Case XXXX XXXXXXXX ( XX/XX/XXXX ) These accounts contain inaccurate, inconsistent, or incomplete reporting. TransUnion has not provided adequate verification including payment history, balance accuracy, or legal authority to report. Any bankruptcy reporting must be accurate and compliant with FCRA reporting standards. 

Disputed Late Payments XXXX XXXX Account XXXX XXXXXXXX XXXX  Account XXXX XXXX XXXX XXXX Account XXXX XXXX These late payments are inaccurately reported and do not reflect my true payment behavior. TransUnion has failed to properly investigate or correct these errors.

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 2025-12-15 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.

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 2025-12-15 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental  anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: NJ

Complaint narrative:
My credit report shows multiple inquiries that I do not recognize. I did not apply with these companies, nor did I authorize them to access my credit file. This is a direct violation of my rights as a consumer, which I take very seriously. With the level of stress I already manage, these unauthorized inquiries have added an unnecessary burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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