vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 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: MI

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 id-entity 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 complete and accurate.

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 2025-11-29 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: LA

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX Balance {$35.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX {$0.00}

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 2025-11-29 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that you will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that you will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : 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 non-monetary relief
Consumer complaint received 2025-11-29 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: FL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NV

Complaint narrative:
I surrendered my vehicle to an auto shop in XX/XX/XXXX after mechanical failure. I notified the lender ( XXXX XXXX ) of the surrender and the vehicles exact location. The auto shop confirms the vehicle was left there and that XXXX XXXX never picked it up. 

Even though I no longer had the vehicle after XX/XX/XXXX, XXXX XXXX continued to report the account as XXXX  days late every month through XXXX, XXXX, XXXX, XXXX, and into XXXX. This is inaccurate rolling delinquency reporting under the Fair Credit Reporting Act ( FCRA ), because no payments were missed after the vehicle was surrendered. 

The Date of First Delinquency shown on my XXXX  report is XX/XX/XXXX, meaning the derogatory event is more than XXXX XXXX XXXX. However, XXXX XXXX refuses to acknowledge the surrender date or provide the correct final status date, charge-off date, or inactive date, all of which are required for XXXX  mortgage XXXX. 

When I contacted XXXX XXXX, they stated they had no record of the vehicle being picked up and would only provide payment history, not the information XXXX  needs. They also reported the account as if it remained delinquent for years after surrender, which is not accurate. 

I am requesting that XXXX XXXX provide the correct final account status date, reflect the XX/XX/XXXX surrender, and correct the inaccurate rolling late 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 2025-11-29 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: MI

Complaint narrative:
Consumer Reporting Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which violates 15 U.S.C. 1681b ( 2 ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under 15 U.S.C. 1681c-2. The accounts being reported do not belong to me.

The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under 15 U.S.C. 1692f, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated 15 U.S.C. 1692e by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law. 

I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate and unlawful.

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 2025-11-29 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: MI

Complaint narrative:
Consumer Reporting Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which violates 15 U.S.C. 1681b ( 2 ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under 15 U.S.C. 1681c-2. The accounts being reported do not belong to me.

The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under 15 U.S.C. 1692f, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated 15 U.S.C. 1692e by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law. 

I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate and unlawful.

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-29 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: 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 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal XXXX ID : XXXX I made a purchase using PayPal on XX/XX/XXXX for {$620.00}. I received word that the XXXX didnt go through due to insufficient funds. I then instructed PayPal not to attempt a redraw within XXXX business days, as per their policies, and they informed me they were unable to avoid the redraft. 

I then competed another PayPal transaction on XX/XX/XXXX for the same {$620.00} to the same vendor using an alternate payment method that went through given the vendor required urgent payment and indicated that PayPal had not sent them money. 

I used the online chat provided by PayPal who instructed me to call customer support. I did so on XX/XX/XXXX and the PayPal representative told me that there would only be a charge to me for {$620.00}. 

Despite informing me otherwise, PayPal charged me the {$620.00} on two separate occasions, the exact opposite of what their own representative explicitly told me wouldnt happen.

I opened a case with PayPal to resolve the matter given their own representative indicated Id only be charged a single {$620.00} ; PayPal denied my claim within six minutes of submission as per email timestamps.

The call I had with their representative lasted five minutes and was likely recorded. I have a hard time believing PayPal actually conducted an investigation into my claim, to include reviewing the audio from my entire call into customer supoort, and PayPal did the exact opposite of what their own employee told me theyd do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: SC

Complaint narrative:
Multiple accounts on my credit file were corrected or removed between XXXX XXXX XXXX including XXXX XXXX XXXX XXXX ( collection closed ), XXXX XXXX ( collection closed ), and XXXX XXXX XXXX  ( incorrect remark removed ). These changes happened only after I disputed them several times, because the furnishers failed to provide any lawful verification, validation, or documentation connecting the accounts to me. 

The sudden closure or removal of these items after disputes indicates the information previously furnished was inaccurate, incomplete, or unverifiable, which is a violation of FCRA 611 and 623.

I am requesting that the CFPB : 1. Ensure these furnishers do not reinsert the accounts without full certification 2. Require the f
urnishers to comply with all FCRA verification, accuracy, and reinsertion requirements 3. Ensure the credit bureau removes any remaining derivative or inaccurate data 4. Review whether furnishers improperly reported unverifiable information I am seeking full correction of my credit report and enforcement of FCRA 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 non-monetary relief
Consumer complaint received 2025-11-29 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:
Experian and TransUnion furnishing reports unlawfully

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 2025-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Between XXXX XXXX XXXX I sent a total of {$2500.00} via XXXX ( {$1000.00} + {$1000.00} + {$500.00} ) to a seller who contacted me through the XXXX marketplace. The seller identified himself as XXXX XXXX ( XXXX ) but also used the name XXXX XXXX  His contact information was phone number XXXX and email address XXXX. 

He promised to immediately ship a XXXX XXXX XXXX XXXX necklace and bracelet set after receiving payment. After I sent the money, he provided a fake XXXX tracking number and a fake XXXX  receipt. The tracking number has never existed, and the receipt was fabricated. The seller stopped responding entirely after receiving my payments. 

I later discovered multiple other victims who were scammed by this same individual using the same method. Some of those victims are XXXX customers, and XXXX refunded their XXXX fraud claims after reviewing the same scam pattern and the same type of evidence. Bank of America, however, denied my claim even though the circumstances are identical. 

On XX/XX/year>, I reported this fraud to Bank of America and submitted all evidence, including : the scammers phone number, email, and XXXX ; screenshots of our messages ; the fake XXXX tracking number and fake receipt ; all XXXX payment confirmations ; screenshots of the XXXX XXXXisting ; and my police report.

I called Bank of America multiple times, requested a fraud supervisor, faxed documents several times, and visited a branch in person. Despite my efforts and clear proof, Bank of America denied my claim without providing a reasonable or detailed explanation. 

In addition to contacting Bank of America, I also filed reports with : FTC Report Number XXXX ; FBI IC3 ( Internet Crime Complaint Center ) ; XXXX XXXX XXXX XXXX XXXX ) fraud report submitted ; and XXXX Police Department Case # XXXX. 

I also requested information from Bank of America about why my claim was denied and how my evidence was evaluated, but the bank did not provide this information. 

This is a documented fraud involving fake documents, a non-existent tracking number, multiple victims, and law-enforcement involvement. XXXX has already refunded other victims of this exact same scam, but Bank of America has failed to properly review my evidence or follow consumer-protection standards. I am requesting that CFPB require Bank of America to reopen and properly review my fraud claim and issue a refund of {$2500.00}.

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 2025-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
I am filing this complaint because American Express misrepresented the credit limit offered to me during my Business card application and later suspended both my Business and Personal accounts without any valid justification. Their actions have caused significant harm to my business operations. 

For approximately XXXX years, I held an American Express XXXX XXXX card under my company and consistently spent around {$20000.00} per month, with all payments made in full and on time. Last month, I canceled that card because its ownership could not be transferred after a partnership change. 

This month, I applied again for the same card under the same company. During the application call, the agent clearly informed me that my approved credit limit would be {$10000.00} and American Express has the recording of this conversation. 
However, when I attempted to make a purchase of less than {$6500.00} with a long-term supplier, the transaction was declined. When I contacted American Express to understand the issue, I was informed contrary to what was promised that my limit was only {$3500.00}. 

I proceeded to call American Express multiple times. In every single attempt, the representatives refused to transfer me to a supervisor. I was treated disrespectfully, given contradictory information, and spent hours trying to resolve an issue that their company created. 

After all of this, American Express not only failed to correct the problem but also suspended my Business card and suspended my Personal card, even though I had made an extra payment to maintain a positive balance. No explanation or justification was provided for these suspensions. 

This situation has harmed my business, damaged long-term supplier relationships, and represents a clear case of misrepresentation, unfair and deceptive practices, and failure to provide the credit terms that were promised at the time of application. 

I am requesting that the CFPB investigate this matter and require American Express to : Honor the originally promised or the same limit of the card before.

Restore full access to my Business and Personal cards immediately. 
Provide a formal explanation for the account suspensions. 
Correct all negative operational and financial impacts caused by their actions. 

Consumer Information : Name : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX Credit Card Business : XXXX Credit Card personal : XXXX Credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation