vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

1. Under 15 USC 1666B this is a billing error, always paid as agreed on time, this is an error this account in violation. 
XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report.

2. Under 15 USC 1666B this is a billing error, account credit limit is incorrect, this is an error this account in violation. 
XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Credit limit : XXXX XXXX. Under 15 USC 1666B this is a billing error, account balance is incorrect, this an error this account in violation. 
XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account balance : XXXX Please correct/update this inaccurate information on my credit report.

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 2025-06-14 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: NJ

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

1. Under 15 USC 1666B this is a billing error, always paid as agreed on time, this is an error this account in violation. 
XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report.

2. Under 15 USC 1666B this is a billing error, account credit limit is incorrect, this is an error this account in violation. 
XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Credit limit : XXXX XXXX. Under 15 USC 1666B this is a billing error, account balance is incorrect, this an error this account in violation. 
XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account balance : XXXX Please correct/update this inaccurate information on my credit report.

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 2025-06-14 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: FL

Complaint narrative:
Equifax needs to delete this XXXX account immediately. I have already sent in documentation which I am providing yet again. I will be filing a lawsuit against Equifax for their blatant disregard and the violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: GA

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 seven 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 non-monetary relief
Consumer complaint received 2025-06-14 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: DE

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. 

XXXX - XXXX XXXX XXXX  XXXX List of Unauthorized Inquiries : 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 seven 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 non-monetary relief
Consumer complaint received 2025-06-14 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In XXXX, my XXXX XXXX  credit card account was closed due to inactivity. The account was last active in XX/XX/XXXX and should have been removed from my credit report after the standard 7-year reporting period, which ended in XXXX. However, I recently discovered that XXXX XXXX updated the account in XXXX, which caused it to reappear on my credit report with an inaccurate status. 

This update is unfair and misleading, as it artificially extends the reporting timeline of a closed account beyond what is allowed under the Fair Credit Reporting Act ( FCRA ). I disputed the account with TransUnion, but the dispute was denied.

I am requesting the CFPB to review this issue and require XXXX XXXX  to correct or remove the outdated information from my credit report.

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 2025-06-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. Your cooperation and prompt attention are greatly appreciated. ACCOUNT NUMBER XXXX FROM XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
Someone used my personal information to lease an XXXX package from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I knew nothing about this until I received a letter from a law fi rm in XX/XX/XXXX stating that I was being sued for the charge and the accrued interest ( {$7300.00} ). The purchaser used an email address with my name and birth year ( XXXX ) to lease the XXXX package in the amount of {$1500.00} with a rental period of 11 months. I never received payment requests from XXXX XXXX XXXX XXXX and did not know about this fraudulent purchase until I received the letter and the supporting documents from the attorney. The IP address for the purchase was XXXX. The purchaser also had my birth date and at least the last XXXX digits of my social security, as indicated in the rental-purchase agreement sent to me by the law fi rm. The court date for this case is on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
In XX/XX/year>, my husband and I requested a Forbearance with the understanding it will assist us with our mortgage payments since we were facing a temporary hardship in the household. We completed the packet with the understanding it will modify the loan for possibly six ( 6 ) months and the outstanding amount will be placed at the back of the loan. We asked if this would negatively affect our credit, and the representative stated no. During the process, we didn't have to pay our mortgage if we couldn't. Also, we would continue to show on time. Keep in mind, we have NEVER been late with our payments. However, when the process we were reported negatively for XXXX, XXXX, and XXXX. Which was NOT what we were told. We were given options to make 3 on time payments and the past due would be placed at the back of the loan. Needless to say, no real modification took place and we did NOT get the help we were seeking.

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 2025-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
My cash app was canceled all of a sudden and Im banned from having another one. Ive never done anything wrong. I have made four different complaints to contest it and they told me I would get a reason and theyve never given me one. I have never done anything wrong The only thing I could think of is maybe when I was joking around or when I was getting my survivors benefits, they were seen all that money going in and they thought it was I dont know illegal I guess but it was my survivors benefits, which I no longer get now my daughter is about to go off the college and I desperately need my cash app, but they refuse to give me a reason why or to reinstate it but I promise you I did nothing amigo. I am a mother of two children. Im not even supposed to have their miracles. My husband passed away and this. Im just beside myself. Something has to be done. I have never done anything wrong or illegal on this site And if I have to, I will retain a lawyer. Which I shouldnt have to they should have to pay for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
called several times after attempting to use { Pay Pal card ) could not use at ATM, grocery store, or department stores. can not use online, card was linked to XXXX XXXXXXXX account. Card receipt showed XXXXXXXX XXXX and several stars after the word. but would not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I'VE SUBMITTED MULTIPLE DISPUTES OVER THE COURSE OF A FEW MONTHS REGARDING THE SAME INACCURATE AND MISLEADING INFORMATION WITH NO METHOD OF VERIFICATION, DESCRIPTIONS OF THE PROCEDURES, ALL OF THE DOCUMENTS RETRIEVED DURING THE INVESTIGATIONS THAT PROVES THE INFORMATION IS ACCURATE, NO VALIDATION OF THE ACCOUNTS/DEBT, AND/OR AUDIT TRAILS. EXPERIAN IS VIOLATING THE LAWS AND MY RIGHTS AS A CONSUMER. THEY KEEP SENDING ME STALL LETTERS OR STATING THAT IM NOT MYSELF OR CREDIT REPAIR COMPANY. I'VE PROVIDED MY STATE ID, U.S PASSPORT, FTC REPORT, POLICE REPORTS, PROOF OF ADDRESS, GENERAL STATE OF ATTORNEY COMPLAINTS, AND XXXX  COMPLAINTS. EQUIFAX HAS TAKEN LONGER THAN THE 60 DAY TIMEFRAME THEY GET TO INVESTIGATE MY DISPUTES. PURSUANT TO 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), EXPERIAN HAS REFUSED AND VIOLATED THE LAW WITH NO PROOF OF A DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF INFORMATION. PURSUANT TO 15 USC 1681i ( a ) ( 7 ), EXPERIAN, MUST PROVIDE WRITTEN DESCRIPTION BY NO LATER THAN 15 DAYS AFTER RECEIVING THIS OR THEY ARE IN VIOLATION OF ANOTHER LAW AND MY CONSUMER RIGHT. IF NO PROOF OF INVESTIGATION HAS BEEN SENT WITHIN 15 DAYS, EXPERIAN MUST OBEY THE LAW AND REMOVE THE INACCURATE ACCOUNTS WHICH IS US BKPT CT NV XXXX XXXX REF # XXXX AND XXXX XXXX  XXXX XXXX ACCOUNT # XXXX OR THEY ARE AGAIN VIOLATING THE LAW AND MY RIGHTS. PURSUANT TO 15 U.S.C. 1681i ( 5 ) ( B ) ( ii ), EXPERIAN DID NOT SEND ANY WRITTEN INFORMATION REGARDING XXXX XXXX ACCOUNT # XXXX AND XXXX XXXX ACCOUNT # XXXX THAT THEY REINSERTED ON MY CREDIT REPORT WITHOUT ANY NOTIFICATION TO ME. XXXX AND XXXX NEED TO BE REMOVED FROM MY CREDIT FILE FOR VIOLATING MY CONSUMER RIGHT AND THE LAW. I HAVE KEPT RECORD OF ALL MY DOCUMENTS AND WILL TAKE THIS TO COURT FOR MONETARY DAMAGES IF ERRORS AREN'T FIXED. EXPERIAN HAS A LONG HISTORY OF NEGLIGENCE AND A PART OF THE REASON THIS HAS HAPPENED IS BECAUSE OF THEIR SHAM INVESTIGATIONS OF CONSUMER REPORTS, WHICH HAS CONTRIBUTED TO INACCURATE ACCOUNTS I'VE ALREAD DISPUTED MULTIPLE TIMES. I DEMAND THE ACCOUNTS BE DELETED AND REMOVED. PURSUANT TO FCRA 605B 15 USC 1681 1681c-2 I AM REQUESTING EXPERIAN BLOCK THIS INFORMATION APPEARING ON MY CREDIT REPORT THATS THE RESULT OF INACCURATE INFORMATION ( US BKPT CT NV XXXX XXXX XXXX XXXX XXXX, XXXX ACCOUNT XXXX XXXX, XXXX ACCOUNT # XXXX, AND XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX FROM MY CONSUMER REPORT. EXPERIAN HAS BEEN TAKING ADVANTAGE OF ME AND I AM BUILDING A CASE AGAINST EXPERIAN TO PURSUE LEGAL ACTION, REMEDY FOR THEIR SHAM INVESTIGATIONS AND AND VIOLATING THE LAWS. I LOOK FORWARD TO TAKING THIS TO COURT.

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 2025-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
I had {$150.00} in my PayPal account. My account was limited, and PayPal informed me that the funds would be held for 180 days. However, after only about 34 months, I logged into my account and found that the entire {$150.00} had been stolen by PayPal without any prior warning, explanation, or email notification. 

There were no disputes, chargebacks, refund requests, or unresolved issues on my account. My balance was clean and legitimate. I never received any policy violation notice or communication regarding the removal of the funds. 

PayPal stated clearly that the funds would be held for 180 days. Instead, they were taken much earlier, and without any explanation, which raises serious concerns about transparency and fairness. 

I am requesting a full explanation and the immediate return of my money. This practice is unfair, possibly unlawful, and violates fundamental consumer protection principles. 
PayPal email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: NJ

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

1. Under 15 USC 1666B this is a billing error, always paid as agreed on time, this is an error this account in violation. 
XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report.

2. Under 15 USC 1666B this is a billing error, account credit limit is incorrect, this is an error this account in violation. 
XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Credit limit : XXXX XXXX. Under 15 USC 1666B this is a billing error, account balance is incorrect, this an error this account in violation. 
XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account balance : XXXX Please correct/update this inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had things on my report I dont know where came from

Company response to consumer: Closed with explanation