vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: NC

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous 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 non-monetary relief
Consumer complaint received 2025-10-30 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: NC

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On or about XX/XX/year>, an unauthorized XXXX XXXX Transfer transactions for {$1800.00} USD occurred on my PayPal account. My phone and wallet were stolen and the unauthorized transaction was made without my consent.

I contacted PayPal and opened a dispute on XX/XX/year>. 
I submitted a police report confirming the theft and the unauthorized use.

During the dispute, the seller agreed to issue a refund, which I communicated to PayPal. Despite this, PayPal closed the case in the sellers favor on XX/XX/year>, citing not a billing issue, which is incorrect. This transaction was clearly unauthorized and supported by a police theft report.

PayPal then required an appeal, but their Resolution Center forced me to upload a file to continue, despite my evidence already being provided. PayPal is blocking proper review of my case and is preventing resolution.

I switched my case type to unauthorized transactions and filed the appeal.

PayPal has a history of denying all claims even with evidence, I believe they dont do real investigations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: NJ

Complaint narrative:
My phone broke and on XX/XX/year> and I have been unable to access my Cash App account, I did not remember login information and could not access my email as well. I contacted Cash App and they said I needed a new device to create a new account and try to transfer the account. I purchased a new phone, setup a new account, and called Cash App again, I was advised that I needed to upload an Identification to verify account. I uploaded my ID and then when I spoke to customer service they advised me they are unable to transfer my account due to security reasons and I can try again in 15 minutes. I have made several attempts with contacting them and having the account transferred. When I ask to speak to a supervisor or manager they say they have escalated my call to a manager and they only respond through email. When I get an email from the " manager '' its a generic email that tells me the same information they are unable to transfer my account due to security reasons and I am unable to reply back. This has been going on since XX/XX/year> and it is now XX/XX/year> and Cash app will not let me close the account and get the funds and are unable to transfer the account. Cash App will not give me the funds from my account totaling over {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
I have a collection that is being inaccurately reported in my credit report for XXXX, XXXX, XXXX for collection from XXXX XXXX. I have only had a XXXX account for the current home I rent at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. That lease started XX/XX/year> Before that I lived at XXXX XXXX XXXX XXXX XXXX XXXX for 48 years. Remove this XXXX XXXX  collections today it is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-10-30 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: NJ

Complaint narrative:
I am a victim of identity theft. Several fraudulent accounts were opened in my name without my authorization or consent. Despite having submitted my FTC Identity Theft Report ( No. XXXX ) and proof of identity, these accounts remain on my credit file, which constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The fraudulent accounts identified in my FTC report are as follows : XXXX XXXX  XXXX Acct. ending in XXXX Discovered XX/XX/XXXX {$3500.00} XXXX Acct. ending in XXXX Discovered XX/XX/XXXX {$47000.00} XXXX XXXX Acct. ending in XXXX Discovered XX/XX/XXXX {$0.00} XXXX XXXX  XXXX Acct. ending in XXXX Discovered XX/XX/XXXX {$5400.00} XXXX XXXX Acct. ending in XXXX Discovered XX/XX/XXXX {$0.00} These accounts were reported without my consent and continue to affect my creditworthiness. The credit bureaus and furnishers failed to comply with : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Obligation to block fraudulent accounts after receiving an identity theft report.

FCRA 611 ( 15 U.S.C. 1681i ) : Duty to reinvestigate and delete unverifiable information.

FCRA 623 ( a ) ( 1 ) ( A ) : Prohibition against reporting information known to be false.

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 2025-10-30 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: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four ( 4 ) business days. 


The following information on my credit report is the result of identity theft and must be frozen : XXXX - XXXX XXXX to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted EXPERIAN multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recovery Associates , LLC ( PRA ) is reporting a collection account to XXXX, XXXX, and XXXX  in the amount of {$1400.00}, allegedly related to a XXXX XXXX XXXX  account ending in XXXX. This account does not belong to me, and PRA has failed to provide any legitimate validation proving I owe this debt or that they have legal ownership of it.

The only documents PRA produced were a generic form letter from XXXX XXXX XXXX  and an internal PRA account summary. Neither contains my signature, personal identifiers, billing history, or any transaction records linking this alleged account to me. The XXXX  XXXX letter itself clearly states it is not an attempt to collect a debt and includes no verifiable identifying information. That letter can not serve as proof of ownership or liability under the Fair Debt Collection Practices Act ( FDCPA ).

Despite this, PRA continues to report the account to XXXX  as a valid collection with an open date of XX/XX/year>, which is misleading and constitutes re-aging of an account to make it appear new. PRA is the only company furnishing data on this account, so it is solely responsible for verifying accuracy under the Fair Credit Reporting Act ( FCRA ).

PRAs actions violate multiple federal laws, including FDCPA 1692g ( b ) for continuing collection and reporting without providing proper validation, FDCPA 1692e ( 2 ) ( A ) for misrepresenting the legal status of the debt, and FCRA 1681s-2 ( b ) for failing to conduct a reasonable investigation after disputes were filed.

The continued reporting of this unvalidated, unverified account has harmed my credit standing and caused ongoing financial damage. I am requesting immediate deletion of the PRA tradeline from all credit bureaus, written confirmation that it will not be resold or re-reported, and CFPB enforcement review for willful violations of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or discharged. Such actions violate the automatic stay and discharge injunction under bankruptcy law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
( ( NOTICE OF DISPUTE / NOTICE TO INTENT TO SUE XXXX  DAY NOTICE ) ) I dispute the adequacy of the companys Closed with explanation response dated XX/XX/year>. The CRA relied on furnisher verification without demonstrating a reasonable reinvestigation under FCRA 611 ( a ), failed to block identity-theft items upon receipt of my FTC/Police reports as required by 605B, did not provide the method of verification required by 611 ( a ) ( 6 ) ( B ) ( iii ), and failed to provide the reinsertion notice required by 611 ( a ) ( 5 ) ( B ) for the XXXX & XXXX, XXXX XXXX reinsertion items.

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 2025-10-30 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:
( ( NOTICE OF DISPUTE / NOTICE TO INTENT TO SUE XXXX  DAY NOTICE ) ) I dispute the adequacy of the companys Closed with explanation response dated XX/XX/year>. The CRA relied on furnisher verification without demonstrating a reasonable reinvestigation under FCRA 611 ( a ), failed to block identity-theft items upon receipt of my FTC/Police reports as required by 605B, did not provide the method of verification required by 611 ( a ) ( 6 ) ( B ) ( iii ), and failed to provide the reinsertion notice required by 611 ( a ) ( 5 ) ( B ) for the XXXX & XXXX, XXXX XXXX reinsertion items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it.

Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting this complaint against Equifax for their failure to correct inaccurate information on my credit report, despite multiple disputes and the submission of all necessary documentation. My dispute was filed with tracking number ( XXXX ), but the erroneous data remains on my credit file, causing significant financial harm and emotional distress. Upon reviewing my credit report, I noticed an incorrect late payment recorded on my XXXX XXXX XXXX  ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX  ), XXXX  XXXX ( Acct # XXXX XXXX XXXX XXXX XXXX ), and XXXX  ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX ). To clarify, I have never been late on these accounts. I am requesting that the status of these accounts be corrected to " Paid as Agreed '' or " OK, '' rather than deleted. I urge Equifax to make the necessary corrections and ensure that accurate, up-to-date reports are issued moving forward, without outdated or incorrect information. Because, it is really unacceptable that Equifax continues to report this inaccurate information, which violates the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and the Fair Credit Billing Act ( 15 U.S.C. 1666b ). While I have attempted to file an FTC Identity Theft report to support my case, the FTC website is currently down, preventing me from proceeding further.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: DC

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: NC

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year> I submitted a complaint to XXXX XXXX  account number XXXX company had incorrectly reported late payments while on a hardship. It was reported XXXX missed payments when I only had XXXX. Claim ID ( XXXX ) since then XXXX has updated my late payments to show 1 missed payment. However Transunion, Equifax, and Experian has not updated my scores as the mistake dropped my score XXXX points. I called customer service just to get even more frustrated as the representative I was speaking with had no knowledge of how to correct my error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
On XX/XX/year> I submitted a complaint to XXXX XXXX  account number XXXX company had incorrectly reported late payments while on a hardship. It was reported XXXX missed payments when I only had XXXX. Claim ID ( XXXX ) since then XXXX has updated my late payments to show 1 missed payment. However Transunion, Equifax, and Experian has not updated my scores as the mistake dropped my score XXXX points. I called customer service just to get even more frustrated as the representative I was speaking with had no knowledge of how to correct my error.

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 2025-10-30 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: MN

Complaint narrative:
XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Reported : XX/XX/year>, Balance : {$250.00} I am disputing this charged-off account due to what I believe to be inaccurate reporting of the balance and account status. The account reflects a balance of {$250.00}, which I do not believe is correct.

I request that Experian conduct a full investigation into the validity of this account by contacting the original creditor and verifying the reported balance and account status. If this account can not be verified or is found to be reported incorrectly, I ask that it be removed from my credit report, as it is not accurately reflecting my financial history. I also request written confirmation of the investigations results and any necessary updates to my report. 
Inquiries : XXXX XXXX, Date : XX/XX/year> I am disputing this inquiry, as I do not recall authorizing it.

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 2025-10-30 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: 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 response to consumer: Closed with non-monetary relief