vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: CBC Companies, Inc.
State: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: AZ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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
Consumer complaint received 2025-11-26 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
State: NC

Complaint narrative:
I am a PayPal user, and my account was permanently limited. I provided valid tracking and fulfilled all orders, yet my funds are being held for 90 days. 

There is no dispute or issue with my transactions, and withholding my funds is unreasonable and unfair. I request immediate release of the funds. 

I have attempted to resolve this with customer service, but they refuse to release the funds. I am seeking assistance to ensure my funds are released without further delay. 

Desired Outcome : Immediate release of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
XXXX XXXX Dispute of Erroneous Information and XXXX XXXX XXXX remove : permanently delete erroneous information from my XXXX consumer credit report XXXX XXXX XXXX XXXX XXXX  XXXX [ XXXX ] and Fair Credit Reporting Act [ FCRA ]. 
As follow up to my phone conversation with a representative of Lexis Nexis XXXX Solutions on Wednesday morning, XX/XX/year>. I am still waiting for a formal reply, acknowledgment, that the XXXX ( XXXX ) specific erroneous items on my consumer credit profile- which I disputed, and requested be permanently deleted ; as set forth in my written correspondence dated XX/XX/year>, mailed the same day. Along with a duplicate of the same letter mailed the following day, XX/XX/year> ; has not been done. I have still not heard from anyone at Lexis Nexis about my written or my verbal conversation about the inaccurate and erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: DE

Complaint narrative:
I am disputing the following accounts due to errors or outdated information. Please review and correct them immediately. If they can not be verified, they must be removed from my credit report. 

Charged Off Accounts XXXX XXXXXXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$150.00} Late Payments XXXX XXXX XXXXXXXX, Account Number XXXX XXXXXXXXXXXX XXXX, Account Number XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine. 
Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with XXXX XXXX compliance standards. 
This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial well being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: MS

Complaint narrative:
I am filing this complaint because XXXX  is reporting several inaccuracies on my credit report. Attempts to resolve these issues through XXXX dispute system have been unsuccessful. I am requesting a proper reinvestigation and correction under the FCRA. 

1. Charged-Off Accounts With Incorrect/Incomplete Reporting The following accounts show {$0.00} balances but are still reported as charged-off or with inconsistent data. I request verification or correction : XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} 2. Unverified Hard Inquiry The following inquiry is appearing on my report without my consent or permissible purpose : XXXX XX/XX/XXXX XXXX request proof of authorization or removal. 

3. Incorrect Late Payment Reporting The following account shows late payments I dispute as inaccurate : XXXX XXXX Acct : XXXX Please conduct a full reinvestigation and correct or delete the inaccurate information.

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 2025-11-26 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: PA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-26 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:
Dear Sir/Madam, I am submitting this dispute regarding the following accounts, which I believe contain inaccuracies and need to be corrected. The following accounts are being disputed for various reasons, including discrepancies in the reported status and inaccurate or incomplete information. Please review the details provided below for each credit bureau : INQUIRIES : XXXX XXXX  - Date : XX/XX/XXXX Dispute Reason : This inquiry was made without my authorization, and I request it be reviewed for accuracy and removed if it was not authorized. 

XXXX XXXX - Date : XX/XX/XXXX Dispute Reason : I do not recall authorizing this inquiry and request verification that it was made with my consent. 

XXXX  - Date : XX/XX/XXXX Dispute Reason : This inquiry was made without my consent, and I request it be reviewed for accuracy.

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 2025-11-26 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I sent out several letters to TransUnion and one each to the unknown creditors the first week of XX/XX/year>. I checked the post office tracking online and know they all received the letters. One of the creditors acknowledged the error and immediately had their account removed from all bureaus as shown below. HOWEVER. Instead of TransUnion Doing ANYTHING at all requested in my letters they instead sent a stall postcard stating they did not think it was me although all letters contained copies of my state issued commercial drivers license, proof of my address from my bank and a copy of my social security card. The odd part is THEY DID ADD my corrected name but nothing else. They also sent the postcard to a business PO BOX That I asked to be removed because IT IS NOT MY HOME ADDRESS. ALSO I am named after my father XXXX XXXX XXXX ) without the second at the end ( i.e. XXXX XXXX XXXX ) so my name written without the salutation IS MY DAD NOT ME!!!!

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 2025-11-26 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 filing this complaint because TransUnion is reporting multiple accounts with errors, as well as possible duplicate or inconsistent information. 

Accounts in Dispute XXXX XXXX XXXX XXXXXXXX Reported since XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Reported since XX/XX/XXXX Balance : {$590.00} XXXX XXXX XXXX XXXXXXXX Reported since XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported XX/XX/XXXX Balance : {$440.00} The information shown by TransUnion does not match the other XXXX, especially with duplicated or conflicting account details. I am asking for a full reinvestigation and correction of any inaccurate 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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because Experian is reporting an account that I believe is inaccurate. I am requesting a full reinvestigation under the Fair Credit Reporting Act. 

Account in Dispute XXXX Acct : XXXX Reported XXXX Balance : {$81.00} This information appears incorrect, and I am requesting that Experian verify the accuracy directly with the furnisher. If the account can not be fully validated, I am asking that it be corrected or removed.

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 2025-11-26 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: CBC Companies, Inc.
State: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: LA

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 4 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 30 days 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.

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 2025-11-26 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: LA

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 4 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 30 days 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$6300.00}, XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1500.00}XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$1300.00}, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX {$140.00}

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 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I had a charge for {$2300.00} on my card that i did not make. I have called, emailed.

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 2025-11-26 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
This is not my account I never had a account with navy federal this account was opened fraudulent I was incarcerated when this account was opened I will be submitting documents

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: AL

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 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went to the local Chase bank in XXXX XXXX and created a new checking and credit card for my new e-retail business. We elected to open the 2 % pay in full card as it had the highest cash back offering. I used it to charge XXXX then paid it off with sales. The account paid off the first round but stalled on the second and I noticed that it did not clear very fast. After XXXX days, I login to see the card is terminated. The issue is it also terminated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and XXXX  ) and XXXX of my credit cards on another company of mine which I've had some of these cards for decades. They all carried low balances and half were in regular use. 

Termination reason given by Chase was improper use of card. 

Chase also XXXX  out all my rewards points which as far as I'm concerned is basically theft. 

After the accounts were closed, I still paid XXXX to the revolving e-retail business card as well as the full balance statements for all other ones as this is the right thing to do. 

But I can't believe we've come to an age of AI and offshoring that consumers are treated like trash and no prior relationship built up for years matters. 

At any time at the discretion of AI, Chase can close all of your accounts, reducing XXXX credit lines and stealing all rewards points. All the time invested with the bank tossed out with no recourse except to talk to the resolution team located in XXXX who can barely speak XXXX. 

There was a time when loyalty and doing the right thing matters.

Company response to consumer: Closed with explanation