vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: DE

Complaint narrative:
Experian I want to see my credit report on experian. 
I am unable to register my account online I raised complaint on their portal and they did not revert I want to see my credit report but experian does not respond Email : XXXX Member id : XXXX Mobile : XXXX I want to see my credit report online but unsble to login or register. Experian help line has no human person to help. 

Please ask them to give me register my account and give me login id and password. 

There are numerous other complaints on online portal like XXXX on similar issue. Experian is among three reputed credit beureu and they should at least reply ticket or issue on their portal

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 2025-10-16 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:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
This matter is currently being disputed and failure to disclose the current nature of the account is a credit reporting error along with dispute of account accuracy and aggravated identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I am the victim of a payment app fraud scheme through XXXX A user named XXXX XXXX sent me several payments between [ insert approximate dates ] and told me to send the same amounts back because she said XXXX wasnt allowing her to transfer money to her card. I returned every payment immediately and kept none of the funds. 

She later filed chargeback disputes with her bank, claiming those original payments were unauthorized. As a result, XXXX  has frozen my account and shows a negative balance of {$670.00}. I have screenshots of our messages ( including one where she says Its not me. XXXX did it. Its the credit card doing it and Im taking care of it ), as well as matching transaction records showing I returned all funds. 

I have contacted XXXX XXXX team multiple times and have not received a resolution. I have also filed a police report for fraud with my local department. I am requesting that XXXX restore my account, remove the negative balance, and properly investigate this case as fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-16 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:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It doesnt accurately reflect my financial values.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: AZ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: WA

Complaint narrative:
I need to emphasize that this complaint is not a mistake. My credit report contains clear inaccuracies that fail to meet the required standard of maximum possible accuracy. These ongoing errors are causing me significant distress and negatively impacting my financial stability.

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 2025-10-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I previously filed a CFPB complaint against Experian regarding unauthorized credit inquiries appearing on my personal credit report. I requested documentation verifying permissible purpose under FCRA 604 ( a ) ( 3 ) proof that I granted written authorization for these inquiries.

Experian failed to provide any such documentation and instead issued a generic closed with explanation response, repeating FCRA language without validating the specific inquiries in question. This does not satisfy their legal duty under FCRA 611 ( a ) to conduct a reasonable investigation and provide evidence supporting the accuracy of disputed information.

I am submitting this follow-up complaint because Experian has not demonstrated compliance with the FCRA or produced any proof that I authorized these inquiries. I am requesting CFPB intervention to compel Experian to complete a proper reinvestigation and provide verifiable proof of authorization or delete the inquiries from my file.

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 2025-10-16 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:
Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Name : - XXXX XXXX XXXX Name : - XXXX XXXX XXXX, XXXX XXXX : - XXXX XXXX XXXXXXXX XXXX, XXXX XXXX LA XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX COLLECT - XXXX RM - 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 2025-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I checked my credit report, which I acquired from your organization on XX/XX/year>, and I noticed several unauthorized inquiries had been made : Request for Investigation of Unauthorized Inquiry Transunion XXXXXXXX XXXX XXXXXX/XX/year> I contacted the creditor, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

I demand the inquiries be removed from my Transunion 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 2025-10-16 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: CA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX 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 2025-10-16 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:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2025-10-16 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: MO

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and XXXX that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Freeway Funding, Inc.
State: CA

Complaint narrative:
I purchased XXXX through XXXX  XXXX  XXXX. It needed major repairs within XXXX of purchase, every time I took it to the shop.I was told to surrender it back that it was a lemon so I did so XXXX  The collection is constantly going up, on top of that whoever they sold the car to is getting tickets in my name on a daily.The company has since been closed down.I can not talk to anyone

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My credit report includes late payment entries that I believe are incorrect. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, only accurate, complete, and verifiable information should be reported. I request that these entries be investigated, and if they can not be validated, they must be updated or eliminated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, GA XXXX SSN ( Last XXXX ) : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To Whom It XXXX Concern, Subject : * * Formal Dispute of Inaccurate Account Reporting under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i * * I am writing to dispute inaccurate information that appears on my credit report. The account in XXXX listed as : * * Creditor Name : * * Chrysler Capital ( XXXX ) * * Account Type : * * Auto Loan * * Account Status : * * Closed / Profit and Loss Write-Off * * Reported Balance : * * {$39000.00} * * Date Closed : * * XX/XX/XXXX This account is reporting an incorrect balance and inaccurate status. The balance should not be reported as {$39000.00} on a closed and written-off account. This discrepancy constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires that all information reported to credit bureaus be complete and accurate. 
I am requesting a thorough investigation into this matter. Please verify the accuracy of all data associated with this account. If Chrysler Capital can not verify this information as fully accurate, I request that this account and all related negative information be * * deleted from my credit report * * with immediate effect. 
Please provide written confirmation of your receipt of this dispute and the results of your investigation, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, within 30 days. 
Thank you for your prompt attention to this matter. 
Sincerely, __________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, GA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WESBANCO BANK, INC.
State: OH

Complaint narrative:
I had a joint account with my son for about 15 years and the banks have changed the names 3-4 times. This time just as the XXXX WAS BEING BOUGHT BY WESBANCO -- -We were told that the signature cards had to be redone and the accounts had to be transferred to the new system. I am a XXXXXXXX XXXX and I went to the bank to sign the new cards and get several of our accounts both personal and business transferred over to WESBANCO. 
DECEPTION ; XXXX XXXX XXXX XXXX XXXX the assistant manager did all the paper work for the transfer of accounts and made me sign the new cards XXXX XXXX XXXXsaying its just routine NOTHING TO WORRY ABOUT? -- -We trusted a local bank that we had good relations for all these years -- The business and a personal joint account with my wife went well as we get our XXXX payments into this account. 
When XXXX presented the joint account with my son XXXX. I saw a negative balance and questioned it ; XXXX XXXX said not to worry HE WOULD TAKE CARE OF IT -- It may be due to the transition? I called him several times and his answer was he is working on it?. My son also talked to the WESBANKO branch manager in XXXX and he could not help him either. THIS BANK IS A FRADULANT BANK OPERATING TO DECIEVE SENIORS AND IS NOT TRUST WORTHY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: AL

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, CHALLENGED OR NOT.

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 2025-10-16 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: WA

Complaint narrative:
Unauthorized access to my credit report by multiple companies has directly harmed both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That commitment has not been honored, as these inquiries still remain. This failure to take corrective action is unacceptable. 

The continued presence of these potentially fraudulent entries is deeply concerning and strongly indicates possible identity theft. This unresolved issue continues to cause ongoing emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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 writing to advise that I am a victim XXXX XXXX For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that 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 XXXXXX/XX/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